AFL · Aflac Inc
Price
Snapshot
50 fields · last close| Market Cap | $60.15B |
| P/E | 12.37 |
| Float | 453.7M |
| Beta | 0.57 |
| Volatility | 14.2% |
| Exchange | NYSE |
| Sector | Insurance |
| Cap tier | Large cap |
| Macro sensitivity | Low |
| Clavix score | 86.2 |
| Price | 119.05 |
| Change | −0.77% |
| Prev Close | 119.97 |
| Open | 118.39 |
| Day Low | 117.58 |
| Day High | 119.97 |
| Avg Vol | 2 |
| Avg $ Vol | $203.8M |
| 52W High | 130.22 |
| 52W Low | 105.43 |
| 52W Pos | 54.9% |
| From High | −8.58% |
| From Low | +12.92% |
| Max DD 1Y | −14.18% |
| Spread | 0.10% |
| Liquidity | Normal |
| SMA 20 | +3.92% |
| SMA 50 | +2.15% |
| SMA 200 | +3.23% |
| RSI (14) | 66.6 |
| Vol 30D | 15.1% |
| Vol 90D | 17.6% |
| 1Y Range | 105–130 |
| Daily bars | 899 |
| Perf Week | +4.74% |
| Perf Month | +2.89% |
| Perf Quarter | −3.31% |
| Perf Half Y | +4.62% |
| Perf Year | +12.41% |
| Perf YTD | +7.99% |
| Prev Day | −0.77% |
| Clavix | A |
| Debt / Eq | 0.28 |
| Curr Ratio | 0.04 |
| Int Cover | 24.9× |
| FCF Margin | 14.9% |
| Rev Growth | −9.3% |
| Profit | Profitable |
| Leverage | Low |
| Sector rank | 2 / 31 |
What AFL does
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products.
It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan.
Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States.
The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans.
It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers.
Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Clavix risk grade
regraded every trading dayAFL grades A, 86.2 of 100. Steadiest on Price Stability (72), most exposed on News Sentiment (66, steady). 2 of the 4 weighted dimensions sit above the Insurance median. Ranks 2 of 31 in Insurance by Clavix score.
How rough the ride is
| AFL | Insurance median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 0.57 | 0.50 |
| Volatilityannualized | 14.2% | 12.5% |
| Max drawdown, past yearworst peak-to-trough fall | −14.2% | — |
| Typical daily movemedian absolute daily change | 0.69% | — |
| Days beyond ±3%of the last 252 sessions | 3 (1%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| AFL | Insurance median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 0.57 | 0.50 |
| Macro sensitivityrate, dollar and credit exposure bucket | Low | Low 74% of 31 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Insurance names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| AFL | |
|---|---|
| 1 week | +4.7% |
| 1 month | +2.9% |
| Year to date | +8.0% |
| 1 year | +12.4% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| AFL | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 7 Aug |
| Average score0 most bearish, 100 most bullish | 57 |
| Bullish · bearisharticles above 60 · below 40 | 18 · 5 |
| Directionarticles whose tone is improving vs worsening | 18 ↑ 5 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 31 Insurance names Clavix covers; the tick is the sector median.
Growth
| AFL | |
|---|---|
| Revenue growthyear over year | −9.3% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Insurance median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openAn analyst at DOWLING & PARTN raised their earnings-per-share estimate for Aflac's 2027 fiscal year to $7.65. The article is short and provides no further details.
Credit rating agency AM Best confirmed its strong ratings on Aflac Incorporated's main insurance subsidiaries, keeping their Financial Strength Rating at A+ (Superior) and Long-Term Issuer Credit Ratings at "aa" (Superior).
Wells Fargo cut its price target on Aflac shares from $122 to $116 and assigned an "equal weight" rating in a research note issued Monday. The article does not describe any development at Aflac itself.
Aflac is the exclusive launch partner for bswift's new AI carrier configuration tools, which use a system called Emma Intelligence to read Aflac plan documents and pre-build rates, rules, and eligibility structures for human review, in order to set up complex benefit plans faster.
Aflac is adopting bswift's AI-powered tools to make it easier to set up workplace benefits plans and to help more employees reach its voluntary insurance products. The article describes this as a step forward in how Aflac delivers and administers benefits.
Nearest peers by size
Insurance| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| AON | Aon PLC | B+ | $62.06B | 15.86 | 0.64 | Compare |
| ALL | Allstate Corp | A- | $62.68B | 4.71 | 0.14 | Compare |
| MET | MetLife Inc | A- | $64.03B | 17.66 | 0.79 | Compare |
| AJG | Arthur J. Gallagher & Co. | B+ | $65.33B | 41.61 | 0.50 | Compare |
| TRV | Travelers Companies Inc | A- | $81.25B | 9.79 | 0.42 | Compare |
| AIG | American International Group Inc | A- | $42.22B | 14.24 | 0.50 | Compare |
| MRSH | Marsh & McLennan Companies Inc | A- | $89.88B | 22.24 | 0.55 | Compare |
| PRU | Prudential Financial Inc | A- | $39.99B | 10.21 | 0.84 | Compare |
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