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Aflac(NYSE) AFL

Market Cap$65.49BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1974)+721,938%
5 Year+162%
1 Year+30%
1 Month+7%
$127.32
-1.05%
-1.35Today
Aflac last closing stock price
MetricPriceDate
Last closeUSD 128.672026-07-29
Aflac stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.12%USD 123.582026-07-22
1 month+7.15%USD 120.082026-06-29
3 month+13.78%USD 113.082026-04-30
Year to date+17.91%USD 109.122025-12-31
1 year+30.35%USD 98.712025-07-29
3 year+89.56%USD 67.882023-07-28
5 year+162.15%USD 49.082021-07-30
Since inception+721,937.88%USD 0.021974-06-14

Aflac Financials at a Glance

Market Cap

$65.49BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$18.22B

Net Income (TTM)

$4.64B

EPS (TTM)

$8.81

P/E Ratio

14.60

Dividend

$2.38

Beta (Volatility)

0.54 (Low)

Price

$127.32

Volume

1,099,838.179

Open

$128.32

Previous Close

$128.67

Daily Range

$126.07 - $128.45

52-Week Range

$96.95 - $130.22

Estimated Earnings Date

Aug 6, 2026

AFL News

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Page 1

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About Aflac

Aflac helps people pay for costs that standard health insurance does not cover. It pays cash directly to customers when they get sick or hurt. This money helps families manage daily expenses while focusing on recovery.

What Aflac Offers

  • Aflac Japan Third-Sector: Supplemental products like cancer and medical insurance that cover out-of-pocket costs not met by Japan's national health system.
  • Aflac Japan First-Sector: Life insurance products including whole life, term life, and savings-type plans designed for post-retirement preparation.
  • Aflac U.S. Individual: Portable insurance policies for accidents, disability, and critical illnesses that stay with workers even if they change jobs.
  • Aflac U.S. Group: Network dental, vision, and disability insurance sold to employees through their workplace benefits programs.

New Products and Partnerships

  • Launched a new service-integrated cancer insurance product named Miraito in Japan in March 2025.
  • Introduced Anshin Palette in December 2025, a medical insurance product in Japan that lets customers customize their coverage levels.
  • Expanded the Tsumitasu insurance line in June 2024 to help Japanese customers build assets for nursing care and retirement.
  • Maintains distribution alliances with major entities including Japan Post Group, Dai-ichi Life, and Daido Life to reach more customers.

What Makes the Company Unique

The company uses its well-known duck icon to build brand awareness across two distinct regulatory environments in the United States and Japan. Its massive distribution network includes 20,000 postal outlets in Japan and thousands of independent agents and brokers in the U.S.

A Look at the Numbers

  • Revenue reached $4.9 billion in Q4 2025, down 10.9% from Q4 2024.
  • Net income was $1.4 billion in Q4 2025, a 27.5% decrease compared to the previous year.
  • Gross profit rose to $2.9 billion in Q4 2025, up 16.1% from Q4 2024.
  • Operating cash flow hit $315 million in Q4 2025, down 5.4% year-over-year.

The Bottom Line

Aflac has evolved from a small insurer into a dual-national leader in supplemental health protection. By balancing traditional insurance with new digital sales tools and customized products, it maintains a significant role in the financial lives of millions.

AI Generated • Apr 18, 2026

Industry

Insurance

Sector

Financials

Employees

12,716

CEO

Dan Amos

Website

www.aflac.com

Headquarters

Columbus, GA 31999, US

AFL Financials

Key Financial Metrics (TTM)

Gross Margin

47.76%

Operating Margin

30.97%

Net Income Margin

25.44%

Return on Equity

16.08%

Return on Capital

12.25%

Return on Assets

3.99%

Earnings Yield

6.85%

Dividend Yield

1.85%

Payout Ratio

25.80%

Stock Overview

Market Cap

$65.49BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

508.99M

Volume

1.10M

Avg. Volume

2.44M

Financials (TTM)

Gross Profit

$8.70B

Operating Income

$5.64B

EBITDA

$6.67B

Operating Cash Flow

$2.93B

Capital Expenditure

$0.00

Free Cash Flow

$2.93B

Cash & ST Invst.

$71.50B

Total Debt

$7.91B

Aflac Performance Analysis

Aflac annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 19,140,000,000-13.4%
20232023-12-31USD 18,701,000,000-2.3%
20242024-12-31USD 18,927,000,0001.2%
20252025-12-31USD 17,164,000,000-9.3%
Aflac sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3022.2%
Q32025-09-3013.6%
Q42025-12-312.1%
Q12026-03-31-11.9%
Aflac annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 6.938.4%
20232023-12-31USD 7.7812.3%
20242024-12-31USD 9.6323.8%
20252025-12-31USD 6.82-29.2%
Aflac sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301994.3%
Q32025-09-30177.5%
Q42025-12-31-15.9%
Q12026-03-31-23.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$4.32B

+25.0%

Gross Profit

$2.48B

+406.7%

Gross Margin

57.54%

N/A

Market Cap

$65.49BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$5.15M

N/A

Employees

12,716

N/A

Net Income

$1.02B

+3413.8%

EBITDA

$1.29B

+786.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$71.50B

-1.3%

Total Debt

$7.91B

+2.0%

Accounts Receivable

$1.64B

+83.7%

Inventory

$0.00

N/A

Long Term Debt

$7.91B

+2.0%

Short Term Debt

$0.00

N/A

Return on Assets

3.99%

N/A

Return on Invested Capital

5.22%

N/A

Free Cash Flow

$968.00M

+64.3%

Operating Cash Flow

$968.00M

+64.3%

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Questions About AFL

What is the current price of Aflac?

Aflac is trading at $127.28 per share.

What is the 52-week range for Aflac?

Over the past 52 weeks, Aflac has traded between $96.95 and $130.22.

How much debt does Aflac have?

As of the most recent reporting period, Aflac reported total debt of $7.91B.

How much cash does Aflac have on hand?

Aflac reported $5.65B in cash and cash equivalents in its most recent financial results.

What is Aflac’s dividend yield?

Aflac currently has a dividend yield of 1.85%.

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