AFLAC INC (AFL.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AFL - US0010551028 - Common Stock
92.04 EUR
-2.9 (-3.05%)
AFL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. AFL has an excellent profitability rating, but there are concerns on its financial health. AFL is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year AFL was profitable.
- In the past year AFL had a positive cash flow from operations.
- AFL had positive earnings in each of the past 5 years.
- Each year in the past 5 years AFL had a positive operating cash flow.
1.2 Ratios
- AFL has a better Return On Assets (3.41%) than 81.25% of its industry peers.
- 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.
- AFL has a better Return On Invested Capital (3.81%) than 85.42% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AFL is in line with the industry average of 2.70%.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of AFL (23.55%) is better than 91.67% of its industry peers.
- AFL's Profit Margin has improved in the last couple of years.
- The Operating Margin of AFL (29.97%) is better than 89.58% of its industry peers.
- AFL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- AFL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for AFL has been reduced compared to 1 year ago.
- The number of shares outstanding for AFL has been reduced compared to 5 years ago.
- Compared to 1 year ago, AFL has a worse debt to assets ratio.
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.
- Looking at the Debt to FCF ratio, with a value of 3.34, AFL is in line with its industry, outperforming 41.67% of the companies in the same industry.
- A Debt/Equity ratio of 0.30 indicates that AFL is not too dependend on debt financing.
- AFL has a Debt to Equity ratio of 0.30. This is amongst the best in the industry. AFL outperforms 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.48
WACC7.99%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 8.70% over the past year.
- Measured over the past years, AFL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.21% on average per year.
- AFL shows a small growth in Revenue. In the last year, the Revenue has grown by 2.32%.
- Measured over the past years, AFL shows a decrease in Revenue. The Revenue has been decreasing by -3.26% on average per year.
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
- Based on estimates for the next years, AFL will show a small growth in Earnings Per Share. The EPS will grow by 4.12% on average per year.
- The Revenue is expected to grow by 1.93% on average over the next years.
EPS Next Y5.24%
EPS Next 2Y1.56%
EPS Next 3Y3.01%
EPS Next 5Y4.12%
Revenue Next Year0.2%
Revenue Next 2Y0.17%
Revenue Next 3Y0.59%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 14.27 indicates a correct valuation of AFL.
- Based on the Price/Earnings ratio, AFL is valued a bit more expensive than 62.50% of the companies in the same industry.
- AFL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 14.38, the valuation of AFL can be described as correct.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AFL indicates a slightly more expensive valuation: AFL is more expensive than 66.67% of the companies listed in the same industry.
- AFL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 14.38 |
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.
- Based on the Price/Free Cash Flow ratio, AFL is valued a bit more expensive than 72.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.81 | ||
| EV/EBITDA | 9.39 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The decent profitability rating of AFL may justify a higher PE ratio.
PEG (NY)2.73
PEG (5Y)1.4
EPS Next 2Y1.56%
EPS Next 3Y3.01%
5. Dividend
5.1 Amount
- AFL has a Yearly Dividend Yield of 2.23%.
- With a Dividend Yield of 2.23, AFL pays less dividend than the industry average, which is at 4.19. 83.33% of the companies listed in the same industry pay a better dividend than AFL!
- AFL's Dividend Yield is a higher than the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
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
5.3 Sustainability
- AFL pays out 28.14% of its income as dividend. This is a sustainable payout ratio.
- The dividend of AFL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.14%
EPS Next 2Y1.56%
EPS Next 3Y3.01%
FRA:AFL (1/19/2026, 7:00:00 PM)
92.04
-2.9 (-3.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners58.94%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap48.24B
Revenue(TTM)17.70B
Net Income(TTM)4.17B
Analysts55.24
Price Target97.89 (6.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
Yearly Dividend1.66
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)0.5%
PT rev (3m)3.65%
EPS NQ rev (1m)-1.03%
EPS NQ rev (3m)-0.36%
EPS NY rev (1m)0.08%
EPS NY rev (3m)9.49%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)-1.72%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-3.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 14.38 | ||
| P/S | 3.17 | ||
| P/FCF | 21.81 | ||
| P/OCF | 21.81 | ||
| P/B | 1.96 | ||
| P/tB | 1.96 | ||
| EV/EBITDA | 9.39 |
EPS(TTM)6.45
EY7.01%
EPS(NY)6.4
Fwd EY6.96%
FCF(TTM)4.22
FCFY4.59%
OCF(TTM)4.22
OCFY4.59%
SpS29.04
BVpS47.06
TBVpS47.06
PEG (NY)2.73
PEG (5Y)1.4
Graham Number82.64
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.99%
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 Y5.24%
EPS Next 2Y1.56%
EPS Next 3Y3.01%
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 2Y0.17%
Revenue Next 3Y0.59%
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 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.
What is the profitability of AFL stock?
AFLAC INC (AFL.DE) has a profitability rating of 7 / 10.
Can you provide the financial health for AFL stock?
The financial health rating of AFLAC INC (AFL.DE) is 3 / 10.
Can you provide the expected EPS growth for AFL stock?
The Earnings per Share (EPS) of AFLAC INC (AFL.DE) is expected to grow by 5.24% in the next year.