AFL

Aflac Incorporated

Financial ServicesInsurance - LifeNASDAQ

$112.42

-$5.14 (-4.58%)today

Conviction

0/ 10

Fair Value$113

Upside+0.52%

Signal0

Market Cap$58.0B

52W Range$96.95–$119.32

Next EarningsApr 29

Price History

FAIR VALUE ANALYSISMonte Carlo · 5,000 runs · 99% valid

Fair Value$98.43

Current Price$106.41

Upside / Down-7.5%

P(Undervalued)36.9%

P(20%+ Up)12.6%

P(15%+ Down)36.8%

Fair Value Distribution — percentile bands

36.9% of simulations place fair value above current price

WHAT IS PRICED IN

Revenue-Based Reverse DCF

-0.0%/yr

±4.8% · revenue growth to justify current price

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Quick Take

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products.

Trailing P/E16.2x

Forward P/E14.2x

P/S3.4x

EPS (TTM)$6.82

Analyst Target$113

Analyst Upside0.5%

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Bull Case

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Bear Case

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Research Feed

sec_10kMar 2

Conviction: unchanged

Aflac 2025 10-K: Supplemental Insurance Franchise with Japan Concentration

Supplemental insurance pure-play with proven business model. Japan dominance creates earnings quality but FX risk. U.S. growth story intact but competitive landscape intensifying. Recent cybersecurity...