AFLAC INC (AFL.DE) Fundamental Analysis & Valuation

FRA:AFL • US0010551028

Current stock price

90.74 EUR
-1.28 (-1.39%)
Last:

This AFL.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. AFL.DE Profitability Analysis

1.1 Basic Checks

  • AFL had positive earnings in the past year.
  • AFL had a positive operating cash flow in the past year.
  • In the past 5 years AFL has always been profitable.
  • In the past 5 years AFL always reported a positive cash flow from operatings.
AFL.DE Yearly Net Income VS EBIT VS OCF VS FCFAFL.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.41%, AFL is in the better half of the industry, outperforming 77.08% of the companies in the same industry.
  • AFL's Return On Equity of 14.53% is in line compared to the rest of the industry. AFL outperforms 52.08% of its industry peers.
  • The Return On Invested Capital of AFL (3.81%) is better than 83.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AFL is in line with the industry average of 3.90%.
Industry RankSector Rank
ROA 3.41%
ROE 14.53%
ROIC 3.81%
ROA(3y)3.83%
ROA(5y)3.43%
ROE(3y)20.97%
ROE(5y)18.03%
ROIC(3y)3.95%
ROIC(5y)3.48%
AFL.DE Yearly ROA, ROE, ROICAFL.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • AFL has a better Profit Margin (23.55%) than 93.75% of its industry peers.
  • AFL's Profit Margin has improved in the last couple of years.
  • AFL has a Operating Margin of 29.97%. This is amongst the best in the industry. AFL outperforms 91.67% of its industry peers.
  • AFL's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 29.97%
PM (TTM) 23.55%
GM N/A
OM growth 3Y11.49%
OM growth 5Y10.66%
PM growth 3Y13.73%
PM growth 5Y14.22%
GM growth 3YN/A
GM growth 5YN/A
AFL.DE Yearly Profit, Operating, Gross MarginsAFL.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. AFL.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AFL is destroying value.
  • AFL has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, AFL has less shares outstanding
  • Compared to 1 year ago, AFL has a worse debt to assets ratio.
AFL.DE Yearly Shares OutstandingAFL.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
AFL.DE Yearly Total Debt VS Total AssetsAFL.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

  • AFL has a debt to FCF ratio of 3.34. This is a good value and a sign of high solvency as AFL would need 3.34 years to pay back of all of its debts.
  • AFL's Debt to FCF ratio of 3.34 is in line compared to the rest of the industry. AFL outperforms 41.67% of its industry peers.
  • AFL has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.30, AFL belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.34
Altman-Z N/A
ROIC/WACC0.48
WACC8%
AFL.DE Yearly LT Debt VS Equity VS FCFAFL.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AFL.DE Yearly Current Assets VS Current LiabilitesAFL.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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4

3. AFL.DE Growth Analysis

3.1 Past

  • AFL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.70%, which is quite good.
  • The Earnings Per Share has been growing by 10.21% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 2.32% in the past year.
  • AFL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.26% yearly.
EPS 1Y (TTM)8.7%
EPS 3Y6.78%
EPS 5Y10.21%
EPS Q2Q%15.28%
Revenue 1Y (TTM)2.32%
Revenue growth 3Y-5.07%
Revenue growth 5Y-3.26%
Sales Q2Q%60.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.12% on average over the next years.
  • Based on estimates for the next years, AFL will show a small growth in Revenue. The Revenue will grow by 1.93% on average per year.
EPS Next Y6.54%
EPS Next 2Y1.32%
EPS Next 3Y2.93%
EPS Next 5Y4.12%
Revenue Next Year0.2%
Revenue Next 2Y-0.06%
Revenue Next 3Y0.44%
Revenue Next 5Y1.93%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
AFL.DE Yearly Revenue VS EstimatesAFL.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
AFL.DE Yearly EPS VS EstimatesAFL.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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3

4. AFL.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.43, which indicates a correct valuation of AFL.
  • Based on the Price/Earnings ratio, AFL is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of AFL to the average of the S&P500 Index (27.95), we can say AFL is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 14.59, the valuation of AFL can be described as correct.
  • AFL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. AFL is more expensive than 66.67% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AFL to the average of the S&P500 Index (38.68), we can say AFL is valued rather cheaply.
Industry RankSector Rank
PE 14.43
Fwd PE 14.59
AFL.DE Price Earnings VS Forward Price EarningsAFL.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • AFL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. AFL is cheaper than 68.75% of the companies in the same industry.
  • 72.92% of the companies in the same industry are cheaper than AFL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.03
EV/EBITDA 9.48
AFL.DE Per share dataAFL.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AFL does not grow enough to justify the current Price/Earnings ratio.
  • AFL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.2
PEG (5Y)1.41
EPS Next 2Y1.32%
EPS Next 3Y2.93%

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4

5. AFL.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.21%, AFL has a reasonable but not impressive dividend return.
  • AFL's Dividend Yield is slightly below the industry average, which is at 3.89.
  • AFL's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.21%

5.2 History

  • The dividend of AFL is nicely growing with an annual growth rate of 13.11%!
Dividend Growth(5Y)13.11%
Div Incr Years3
Div Non Decr Years3
AFL.DE Yearly Dividends per shareAFL.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • AFL pays out 28.14% of its income as dividend. This is a sustainable payout ratio.
  • AFL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.14%
EPS Next 2Y1.32%
EPS Next 3Y2.93%
AFL.DE Yearly Income VS Free CF VS DividendAFL.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
AFL.DE Dividend Payout.AFL.DE Dividend Payout, showing the Payout Ratio.AFL.DE Dividend Payout.PayoutRetained Earnings

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AFL.DE Fundamentals: All Metrics, Ratios and Statistics

AFLAC INC

FRA:AFL (1/23/2026, 7:00:00 PM)

90.74

-1.28 (-1.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-04
Inst Owners58.94%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap47.56B
Revenue(TTM)17.70B
Net Income(TTM)4.17B
Analysts55.24
Price Target97.89 (7.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.21%
Yearly Dividend1.62
Dividend Growth(5Y)13.11%
DP28.14%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.27%
Min EPS beat(2)3.7%
Max EPS beat(2)38.84%
EPS beat(4)2
Avg EPS beat(4)9.18%
Min EPS beat(4)-4.02%
Max EPS beat(4)38.84%
EPS beat(8)5
Avg EPS beat(8)8.24%
EPS beat(12)9
Avg EPS beat(12)10.33%
EPS beat(16)11
Avg EPS beat(16)8.31%
Revenue beat(2)1
Avg Revenue beat(2)1.13%
Min Revenue beat(2)-4.81%
Max Revenue beat(2)7.07%
Revenue beat(4)2
Avg Revenue beat(4)2.34%
Min Revenue beat(4)-21.36%
Max Revenue beat(4)28.46%
Revenue beat(8)4
Avg Revenue beat(8)0.43%
Revenue beat(12)7
Avg Revenue beat(12)1.66%
Revenue beat(16)11
Avg Revenue beat(16)2.22%
PT rev (1m)1.08%
PT rev (3m)1%
EPS NQ rev (1m)-0.8%
EPS NQ rev (3m)-0.24%
EPS NY rev (1m)1.24%
EPS NY rev (3m)10.47%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)-1.61%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-3.04%
Valuation
Industry RankSector Rank
PE 14.43
Fwd PE 14.59
P/S 3.2
P/FCF 22.03
P/OCF 22.03
P/B 1.98
P/tB 1.98
EV/EBITDA 9.48
EPS(TTM)6.29
EY6.93%
EPS(NY)6.22
Fwd EY6.85%
FCF(TTM)4.12
FCFY4.54%
OCF(TTM)4.12
OCFY4.54%
SpS28.34
BVpS45.92
TBVpS45.92
PEG (NY)2.2
PEG (5Y)1.41
Graham Number80.6187 (-11.15%)
Profitability
Industry RankSector Rank
ROA 3.41%
ROE 14.53%
ROCE 4.39%
ROIC 3.81%
ROICexc 4.03%
ROICexgc 4.12%
OM 29.97%
PM (TTM) 23.55%
GM N/A
FCFM 14.54%
ROA(3y)3.83%
ROA(5y)3.43%
ROE(3y)20.97%
ROE(5y)18.03%
ROIC(3y)3.95%
ROIC(5y)3.48%
ROICexc(3y)4.12%
ROICexc(5y)3.62%
ROICexgc(3y)4.23%
ROICexgc(5y)3.71%
ROCE(3y)4.56%
ROCE(5y)4.02%
ROICexgc growth 3Y16.53%
ROICexgc growth 5Y12.62%
ROICexc growth 3Y16.64%
ROICexc growth 5Y12.6%
OM growth 3Y11.49%
OM growth 5Y10.66%
PM growth 3Y13.73%
PM growth 5Y14.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.34
Debt/EBITDA 1.39
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 28.52
Cash Conversion 41.68%
Profit Quality 61.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8%
ROIC/WACC0.48
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)70.18%
Profit Quality(5y)90.4%
High Growth Momentum
Growth
EPS 1Y (TTM)8.7%
EPS 3Y6.78%
EPS 5Y10.21%
EPS Q2Q%15.28%
EPS Next Y6.54%
EPS Next 2Y1.32%
EPS Next 3Y2.93%
EPS Next 5Y4.12%
Revenue 1Y (TTM)2.32%
Revenue growth 3Y-5.07%
Revenue growth 5Y-3.26%
Sales Q2Q%60.73%
Revenue Next Year0.2%
Revenue Next 2Y-0.06%
Revenue Next 3Y0.44%
Revenue Next 5Y1.93%
EBIT growth 1Y11.33%
EBIT growth 3Y5.83%
EBIT growth 5Y7.05%
EBIT Next Year-7.19%
EBIT Next 3Y-1.6%
EBIT Next 5YN/A
FCF growth 1Y-24.1%
FCF growth 3Y-18.77%
FCF growth 5Y-13.08%
OCF growth 1Y-24.1%
OCF growth 3Y-18.77%
OCF growth 5Y-13.08%

AFLAC INC / AFL.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of AFLAC INC (AFL.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to AFL.DE.


Can you provide the valuation status for AFLAC INC?

ChartMill assigns a valuation rating of 3 / 10 to AFLAC INC (AFL.DE). This can be considered as Overvalued.


How profitable is AFLAC INC (AFL.DE) stock?

AFLAC INC (AFL.DE) has a profitability rating of 7 / 10.


What are the PE and PB ratios of AFLAC INC (AFL.DE) stock?

The Price/Earnings (PE) ratio for AFLAC INC (AFL.DE) is 14.43 and the Price/Book (PB) ratio is 1.98.


Is the dividend of AFLAC INC sustainable?

The dividend rating of AFLAC INC (AFL.DE) is 4 / 10 and the dividend payout ratio is 28.14%.