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0.10%
Aflac incorporated
0.53%
Avg of Sector
0.49%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical illness, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is based in Columbus, Georgia.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Aflac incorporated (AFL) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating AFL's short-term business performance and financial health. For the latest updates on AFL's earnings releases, visit this page regularly.
According to historical valuation range analysis, Aflac incorporated (AFL)'s current price-to-earnings (P/E) ratio is 10.6, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Aflac incorporated (AFL) reported an Operating Profit of 1.6B with an Operating Margin of 32.72% this period, representing a decline of 26.68% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Aflac incorporated (AFL) announced revenue of 4.9B, with a Year-Over-Year growth rate of -9.38%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Aflac incorporated (AFL) held Total Cash and Cash Equivalents of 6.25B, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Aflac incorporated (AFL) achieved the “three margins increasing” benchmark, with a gross margin of 59.91%%, operating margin of 32.72%%, and net margin of 28.17%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess AFL's profit trajectory and future growth potential.
According to the past four quarterly reports, Aflac incorporated (AFL)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 2.6. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Aflac incorporated (AFL)'s Free Cash Flow (FCF) for the period is 1.25B, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 1.42% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Aflac incorporated (AFL) has a Price-To-Earnings (PE) ratio of 10.6 and a Price/Earnings-To-Growth (PEG) ratio of -0.67. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.