Aflac Inc (AFL)
適正価値ファンダメンタル
60
株価
$111.03
時価総額
$56.93B
パート1 · 企業の価値
概要
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 2026年9月17日 with claude-haiku-4-5 — shared with all users
Through its Colonial Life brand, Unum sells accident, hospital indemnity, cancer and critical illness policies to employees at the workplace in the United States, the same worksite voluntary-benefits business that is Aflac U.S.
Its Group Benefits arm offers accident, critical illness and hospital indemnity cover to U.S. employers through the same brokers Aflac relies on, and it is also one of the foreign insurers selling health protection products in Japan.
Its Family Heritage and Liberty National divisions sell limited-benefit supplemental health cover, including cancer and critical illness, to middle-income American families and small-business employees.
One of Japan's largest life insurers, it sells medical and cancer cover — the "third sector" products from which Aflac draws most of its profits — to Japanese households through its own agents, bank branches and its Neo First Life arm.
Its life subsidiary, Tokio Marine & Nichido Life, specialises in "living protection" — medical and cancer policies for Japanese individuals — competing directly with Aflac Japan's core line.
After buying Allstate's Employer Voluntary Benefits business in April 2025, this insurer distributes supplemental accident, illness and life cover to millions of U.S. employees through workplace brokers.
貸借対照表と流動性
売上高
$18.07B
直近12か月（2026/6/30まで）
純利益
$4.86B
直近12か月（2026/6/30まで）
フリーキャッシュフロー
-
自己資本合計
$29.49B
負債合計
$86.98B
流動比率
0.04
利払い倍率
-
負債/EBITDA
2.67
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
負債の重さ
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$144.00
現在株価
$111.03
安全マージン
+22.9%
適正価値レンジ
$107.59 - $180.41
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
12.06
ROE
12.4%
P/B レシオ
1.85
P/FCF
-
粗利益率
-
ROIC
-
収益性レーダー
価値創造（経済的モート）
ROIC
-
WACC
6.5%
ROIC − WACC
-
ファンダメンタル分析基準
合格（12）
- EPS shows upward trend
- Price CAGR 12.73%
- P/B Ratio 1.85
- Debt/Equity ratio
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 16.4%
- Earnings Surprise avg 6.1%
- Share Dilution -5.4%
- Net Margin Trend 26.9% vs 15.3%
不合格（7）
- EPS CAGR 4.10%
- DCF valuation (Unknown)
- Revenue Growth 5Y -5.0%
- Analyst Consensus 13% Buy
- PEG Ratio 27.31
- Earnings Quality (OCF/NI) 0.54
- Piotroski F-Score 4/9
データなし（9）
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Operating Margin NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
中程度：利益とキャッシュの間にギャップがある
株式希薄化
株式を買い戻している。株主に友好的
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| Mr. Daniel Paul Amos | Chairman & CEO | 73 |
| Mr. Virgil Raynard Miller | President | 56 |
| Mr. Max Kristian Broden C.F.A. | Senior EVP & CFO | 46 |
| Mr. Bradley Eugene Dyslin C.F.A. | Executive VP & Global Chief Investment Officer | 59 |
| Ms. Audrey Boone Tillman Esq. | Senior EVP, & General Counsel | 60 |
| Ms. Robin Littrell Blackmon CPA, CGMA | Senior VP of Financial Services & Chief Accounting Officer | 61 |
| Mr. David A. Young | Vice President of Capital Markets | - |
| Mr. Bradley L. Knox | Senior VP & Counsel of Federal Relations | - |
| Mr. Steven Kent Beaver | Executive Vice President; Chief Financial Officer, Aflac Life Insurance Japan | 60 |
| Mr. Timothy L. Callahan CISM, CISSP, CRISC | Senior VP & Chief Information Security Officer | - |
監査リスク
8
取締役会リスク
5
報酬リスク
6
株主権利リスク
9
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
via SEC EDGAR
Latest News
Recent headlines for AFL, sourced from Markets Gazette.
- 5/21/2026NEUTRALAflac Follows Alphabet Into Japan’s Booming Yen Bond Market
Aflac Inc. has entered Japan's burgeoning yen bond market, successfully issuing ¥65.9 billion ($415 million) across four tranches. This move positions Aflac alongside other foreign entities capitalizing on Japan's credit market, which is experiencing increased activity. The issuance is a strategic financial maneuver for Aflac, aimed at diversifying funding sources and potentially leveraging favorable borrowing conditions in the Japanese market. While the issuance itself is a financial operation, its direct impact on Aflac's stock price is neutral, reflecting a standard corporate finance activity rather than a fundamental business development.
via Markets Gazette