Fundamental analysis · SEC EDGAR · TTM through 31/03/2026

Fundamental analysis of Aflac Inc

AFL · NYSE · Financial

Fundamental quality

REASONABLE

73

out of 100

Breakdown by area

I.GrowthEPS growth: 7.4% · Revenue growth: -1.7%
38
II.ProfitabilityNet margin: 25.6% · ROE: 15.5%
85
III.Financial healthNet debt/EBITDA: -1.3x
95

Source: SEC EDGAR · TTM through 31/03/2026

The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its growth drags it down the most.

Strengths

  • High net margin (25.6%), a sign of a very profitable business.
  • Net cash position: more cash than debt.

Risks and weaknesses

  • Declining revenue (-1.7% annualized).

Historical evolution

YearRevenueNet incomeFree cash flowNet debt
2021$21,554M$4,231M-$5,051M
2022$19,140M$4,418M-$3,943M
2023$18,701M$4,659M-$4,306M
2024$18,927M$5,443M-$6,229M
2025$17,164M$3,646M-$6,245M

Between 2021 and 2025, revenue went from $21,554M to $17,164M (-20%) and net income went from $4,231M to $3,646M (-14%).

Annual figures in U.S. dollars per SEC filings. Net debt is total debt minus cash.

Frequently asked questions

Is Aflac Inc a profitable company?

Yes. Aflac Inc shows a net margin of 25.6% and an ROE of 15.5%, a sign of a profitable business.

Does Aflac Inc have a lot of debt?

No. Aflac Inc has a net cash position: more cash than debt.

Is Aflac Inc growing?

Its revenue has fallen 1.7% 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.

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).

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