Fundamental analysis · SEC EDGAR · TTM through 31/03/2026
AFL · NYSE · Financial
Fundamental quality
62
out of 100
Aflac Inc is a mature, stable business: it earns money solidly (net margin 25.6%) but grows slowly (-3.8% a year). On fundamental quality it scores 62 out of 100, profiling it as a company of reasonable quality. Its weakest area is its growth (revenue -3.8%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Aflac sells supplemental insurance: policies that pay cash directly to the insured for cancer or accidents, covering what health insurance doesn't. Its quirk: most of its business is in Japan, where its advertising duck is a celebrity.
EPS growth: 5.3% · Revenue growth: -3.8%
Net margin: 25.6% · ROE: 15.5%
Source: SEC EDGAR · TTM through 31/03/2026
The score includes +4 for dividend strength: 42 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength. Here its profitability weighs in its favor, while its growth drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 22,147 | 4,778 | — | 2,758 |
| 2021 | 21,554 | 4,231 | — | 2,905 |
| 2022 | 19,140 | 4,418 | — | 3,499 |
| 2023 | 18,701 | 4,659 | — | 3,058 |
| 2024 | 18,927 | 5,443 | — | 1,269 |
| 2025 | 17,164 | 3,646 | — | 2,164 |
Between 2020 and 2025, revenue went from $22,147M to $17,164M (-22%) and net income went from $4,778M to $3,646M (-24%). It has also reduced its net debt over the period.
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the quarter ended March 31, 2026, versus the quarter ended March 31, 2025 (SEC filings):
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$2.35
per share, yearly
32.9% of earnings
Payout
42 straight years raising it
Growth
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Aflac Inc cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Aflac Inc a good company to invest in?
In terms of business quality, Aflac Inc scores 62 out of 100 in our analysis, placing it as a company of reasonable quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Aflac Inc a profitable company?
Very. Aflac Inc shows a net margin of 25.6% and an ROE of 15.5%, typical of a highly profitable business.
Is Aflac Inc growing?
Its revenue has fallen 3.8% annualized in recent years.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Aflac Inc's filings on EDGAR
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