Aflac Inc (AFL)
Valor JustoFundamental
60
Preço
$111.78
Capitalização de Mercado
$56.93B
Parte 1 · Quanto vale a empresa
Visão Geral
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 17 de setembro de 2026 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.
Balanço & Liquidez
Receita
$18.07B
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$4.86B
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
-
Capital Próprio Total
$29.49B
Passivo Total
$86.98B
Rácio de Liquidez
0.04
Cobertura de Juros
-
Dívida/EBITDA
2.67
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Quanto pesa a dívida
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$144.00
Preço Atual
$111.78
Margem de Segurança
+22.4%
Intervalo de Valor Justo
$107.59 - $180.41
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
12.06
ROE
12.4%
Rácio P/B
1.85
P/FCF
-
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
-
WACC
6.5%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (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%
Reprovado (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
Indisponível (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-Score
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Moderada: alguma diferença entre lucros e caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 | - |
Risco de Auditoria
8
Risco do Conselho
5
Risco de Remuneração
6
Risco dos Direitos dos Acionistas
9
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-02-25
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-08-07
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-08-06
via SEC EDGAR
Histórico de Resultados
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