Deeper Dive: Understanding Aflac Inc (AFL) Through its Various Ratios

Kevin Freeman

For those desiring to outshine the market, the strategic selection of individual stocks is paramount. Well-chosen stocks have the potential to substantially boost your wealth.

The price of Aflac Inc (NYSE: AFL) closed at $108.88 in the last session, down -0.33% from day before closing price of $109.24. In other words, the price has decreased by -$0.33 from its previous closing price. On the day, 1.49 million shares were traded. AFL stock price reached its highest trading level at $110.05 during the session, while it also had its lowest trading level at $108.61.

Ratios:

We take a closer look at AFL’s different ratios to gain a better understanding of the stock. In the meantime, Its Debt-to-Equity ratio is 0.30 whereas as Long-Term Debt/Eq ratio is at 0.29.

Upgrades & Downgrades

In the most recent recommendation for this company, Mizuho on December 16, 2025, initiated with a Underperform rating and assigned the stock a target price of $104.

On January 23, 2025, BMO Capital Markets started tracking the stock assigning a Market Perform rating and target price of $111.

On October 09, 2024, TD Cowen started tracking the stock assigning a Hold rating and target price of $102.TD Cowen initiated its Hold rating on October 09, 2024, with a $102 target price.

Insider Transactions:

An investor can also benefit from insider trades by learning what management is thinking about the future direction of stock prices. A recent insider transaction in this stock occurred on Dec 12 ’25 when BEAVER STEVEN KENT sold 5,492 shares for $109.53 per share. The transaction valued at 601,520 led to the insider holds 38,368 shares of the business.

BEAVER STEVEN KENT bought 5,492 shares of AFL for $601,099 on Dec 12 ’25. On Dec 05 ’25, another insider, BEAVER STEVEN KENT, who serves as the EVP, CFO Aflac Japan of the company, sold 3,452 shares for $109.26 each. As a result, the insider received 377,166 and left with 43,860 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, AFL now has a Market Capitalization of 58232451072 and an Enterprise Value of 62280523776. As of this moment, Aflac’s Price-to-Earnings (P/E) ratio for their current fiscal year is 14.20, and their Forward P/E ratio for the next fiscal year is 14.85. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 5.89. For the stock, the TTM Price-to-Sale (P/S) ratio is 3.22 while its Price-to-Book (P/B) ratio in mrq is 2.00. Its current Enterprise Value per Revenue stands at 3.518 whereas that against EBITDA is 11.624.

Stock Price History:

The Beta on a monthly basis for AFL is 0.67, which has changed by 0.053931475 over the last 52 weeks, in comparison to a change of 0.19226205 over the same period for the S&P500. Over the past 52 weeks, AFL has reached a high of $115.83, while it has fallen to a 52-week low of $96.95. The 50-Day Moving Average of the stock is -1.44%, while the 200-Day Moving Average is calculated to be 1.80%.

Shares Statistics:

According to the various share statistics, AFL traded on average about 2.20M shares per day over the past 3-months and 1601410 shares per day over the past 10 days. A total of 525.71M shares are outstanding, with a floating share count of 468.36M. Insiders hold about 10.64% of the company’s shares, while institutions hold 60.85% stake in the company. Shares short for AFL as of 1767139200 were 7141610 with a Short Ratio of 3.25, compared to 1764288000 on 6792432. Therefore, it implies a Short% of Shares Outstanding of 7141610 and a Short% of Float of 1.37.

Dividends & Splits

The forward annual dividend rate for AFL is 2.32, which was 2.24 in the trailing 12 months. Against a Trailing Annual Dividend Yield of 0.02050531. The stock’s 5-year Average Dividend Yield is 2.19. The current Payout Ratio is 20.76% for AFL, which recently paid a dividend on 2025-11-19 with an ex-dividend date of 2026-02-18. Stock splits for the company last occurred on 2018-03-19 when the company split stock in a 2:1 ratio.

Earnings Estimates

. The current rating of Aflac Inc (AFL) is the result of assessments by 13.0 analysts actively engaged in evaluating its market dynamics.The consensus estimate for the next quarter is $1.79, with high estimates of $1.93 and low estimates of $1.61.

Analysts are recommending an EPS of between $7.7 and $7.54 for the fiscal current year, implying an average EPS of $7.62. EPS for the following year is $7.33, with 14.0 analysts recommending between $7.75 and $7.04.

Revenue Estimates

According to 3 analysts,. The current quarter’s revenue is expected to be $4.42B. It ranges from a high estimate of $4.55B to a low estimate of $4.3B. As of. The current estimate, Aflac Inc’s year-ago sales were $4.32BFor the next quarter, 3 analysts are estimating revenue of $4.47B. There is a high estimate of $4.47B for the next quarter, whereas the lowest estimate is $4.47B.

A total of 5 analysts have provided revenue estimates for AFL’s current fiscal year. The highest revenue estimate was $17.88B, while the lowest revenue estimate was $17.57B, resulting in an average revenue estimate of $17.71B. In the same quarter a year ago, actual revenue was $17.41BBased on 5 analysts’ estimates, the company’s revenue will be $17.69B in the next fiscal year. The high estimate is $18.12B and the low estimate is $17.18B.

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