AFL
AFLAC INCData updated: 2026-06-05 · Current price: $118.24
Composite Score: 57
HOLD
Score: 57 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
70
Growth
59
Valuation
17
Moat
35
Stability
80
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
12.4%
Quality threshold: > 15%
Gross Margin
68.9%
Quality threshold: > 40%
Rev. Growth (5yr)
0.0%
Quality threshold: > 5%
5-Year ROE: 12.4% → 20.9% → 21.2% → 18.8% → 13.0%|5-Year Gross Margin: 68.9% → 73.3% → 0.0% → 0.0% → 71.9%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
2.95
Quality threshold: < 0.5
FCF (5yr avg)
3.5B $
Quality threshold: > 0
Current Ratio
1.34x
Quality threshold: > 1.5
FCF Trend (B USD)
$2.6B2022
$2.7B2023
$3.2B2024
$3.9B2025
$5.1B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$3.6B
Net Income + D&A - CapEx
Current Price
$118.24
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett