Aflac Inc
NYSE:AFL

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Aflac Inc
NYSE:AFL
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Price: 110.65 USD 0.2% Market Closed
Market Cap: 62B USD
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Intrinsic Value

The intrinsic value of one AFL stock under the Base Case scenario is 86.3 USD. Compared to the current market price of 110.65 USD, Aflac Inc is Overvalued by 22%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

AFL Intrinsic Value
86.3 USD
Overvaluation 22%
Intrinsic Value
Price
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Base Case
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Aflac Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Business Breakdown

Aflac Inc., founded in 1955 in Columbus, Georgia, has emerged as a formidable player in the supplemental insurance industry, providing peace of mind to millions of policyholders. What's unique about Aflac is its commitment to addressing the gaps that traditional health insurance leaves behind. By offering products that help cover expenses related to accidents, illnesses, and critical health events, Aflac empowers individuals and families to manage unforeseen financial burdens. With an innovative direct-to-consumer marketing approach and a strong brand recognition, symbolized by its iconic duck mascot, the company has built a loyal customer base in both the United States and Japan. This inter...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Aflac Inc

Cash & Short-Term Investments 5.6B
Insurance Receivable 814m
Deferred Policy Acquisition Cost 9.2B
PP&E 421m
Long-Term Investments 110B
Other Assets 2.4B
Insurance Policy Liabilities 91.8B
Long Term Debt 7.9B
Other Liabilities 4B
Earnings Calls

Aflac's third-quarter 2024 results showcased adjusted earnings per diluted share of $2.16, a 17.4% increase year-over-year. Notably, Japan's sales surged 12.3% thanks to the successful Tsumitas launch. While Japan's net earned premiums fell 10.5%, the overall benefit ratio improved significantly, with expectations of 62-63% for the full year. The U.S. segment recorded a 5.5% sales growth, bolstered by group life and disability insurance. Aflac remains committed to its robust capital strategy, including $500 million in share buybacks and a $0.50 quarterly dividend, positioning itself for sustained growth in both markets.

What is Earnings Call?

Wall St
Price Targets

AFL Price Targets Summary
Aflac Inc

Wall Street analysts forecast AFL stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for AFL is 104.7 USD with a low forecast of 90.9 USD and a high forecast of 130.2 USD.

Lowest
Price Target
90.9 USD
18% Downside
Average
Price Target
104.7 USD
5% Downside
Highest
Price Target
130.2 USD
18% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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0
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Previous Payment
-
Today
Next Payment
-
Today
Nov 13, 2024
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
Shareholder Yield

Current shareholder yield for AFL is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
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Highest
Buyback Yield
Lowest
Average
Highest

Ownership

AFL Insider Trading
Buy and sell transactions by insiders

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Period Sold Bought Net
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AFL News

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Profile

Aflac Inc Logo
Aflac Inc

Country

United States of America

Industry

Insurance

Market Cap

61.6B USD

Dividend Yield

1.74%

Description

Aflac, Inc. is a holding company. The company is headquartered in Columbus, Georgia and currently employs 12,447 full-time employees. The firm's insurance business is marketed and administered through, American Family Life Assurance Company of Columbus (Aflac) in the United States and through Aflac Life Insurance Japan Ltd. (ALIJ) in Japan. The firm's segments include Aflac Japan and Aflac U.S. Aflac Japan is designed to help consumers pay for medical and non-medical costs that are not reimbursed under Japan's national health insurance system. The company offers insurance products, such as cancer, medical, and income support insurance. Its protection products include Medical Insurance, Nursing Care Insurance, Income Support Insurance, whole life, GIFT, WAYS and Child Endowment. The firm designs the United States insurance products to provide supplemental coverage for people having medical or primary insurance coverage. Aflac U.S. products are distributed in the individual and group supplemental insurance markets.

Contact

GEORGIA
Columbus
1932 Wynnton Rd
+17063233431.0
www.aflac.com

IPO

1974-06-15

Employees

12 447

Officers

President, Chairman & CEO
Mr. Daniel Paul Amos
Executive VP & CFO
Mr. Max Kristian Broden
Executive VP, Global Chief Investment Officer & President of Aflac Global Investments
Mr. Bradley Eugene Dyslin C.F.A.
Executive VP & General Counsel
Ms. Audrey Boone Tillman Esq.
SVP of Financial Services & Chief Accounting Officer
Ms. Robin Littrell Blackmon CPA, CGMA
Senior VP & Counsel of Federal Relations
Mr. Bradley L. Knox
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Executive VP & CFO of Aflac Japan
Mr. Steven Kent Beaver
Senior VP & Chief Information Security Officer
Mr. Timothy L. Callahan CISM, CISSP, CRISC
Senior VP & Enterprise Corporate Actuary
Ms. Takeko Uemoto
Senior VP & CFO of Aflac U.S.
Mr. Frederic Jean Guy Simard F.S.A.
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See Also

Discover More
What is the Intrinsic Value of one AFL stock?

The intrinsic value of one AFL stock under the Base Case scenario is 86.3 USD.

Is AFL stock undervalued or overvalued?

Compared to the current market price of 110.65 USD, Aflac Inc is Overvalued by 22%.

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