Stock AFL AFLAC INCORPORATED
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Financials Aflac Incorporated

Equities

AFL

US0010551028

Life & Health Insurance

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
83.61 USD -0.14% Intraday chart for Aflac Incorporated +0.46% +1.35%
Apr. 15 Morgan Stanley Raises Price Target on Aflac to $84 From $80, Maintains Equalweight Rating MT
Apr. 11 Wells Fargo Cuts Price Target on Aflac to $81 From $83, Keeps Equalweight Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 38,830 31,238 38,627 44,731 48,211 48,110 - -
Enterprise Value (EV) 1 38,830 31,238 38,627 44,731 52,772 51,846 51,168 48,110
P/E ratio 11.9 x 6.67 x 9.14 x 10.9 x 10.6 x 13.3 x 12.4 x 11.9 x
Yield 2.04% 2.52% 2.26% 2.22% 2.04% 2.32% 2.44% 2.65%
Capitalization / Revenue 1.74 x 1.41 x 1.75 x 2.29 x 2.58 x 2.8 x 2.75 x 2.67 x
EV / Revenue 1.74 x 1.41 x 1.75 x 2.29 x 2.82 x 3.02 x 2.92 x 2.67 x
EV / EBITDA - - - - 10.3 x 18.8 x 19.5 x -
EV / FCF - - - - - 28.4 x 27.8 x -
FCF Yield - - - - - 3.52% 3.59% -
Price to Book 1.33 x 0.92 x 1.15 x 1.98 x 2.17 x 2.11 x 2.02 x 1.93 x
Nbr of stocks (in thousands) 734,018 702,445 661,528 621,789 584,380 575,408 - -
Reference price 2 52.90 44.47 58.39 71.94 82.50 83.61 83.61 83.61
Announcement Date 2/4/20 2/3/21 2/2/22 2/1/23 1/31/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 22,307 22,147 22,106 19,502 18,701 17,172 17,504 18,030
EBITDA 1 - - - - 5,126 2,753 2,630 -
EBIT 1 4,445 4,159 5,322 4,157 4,310 4,602 4,692 -
Operating Margin 19.93% 18.78% 24.07% 21.32% 23.05% 26.8% 26.81% -
Earnings before Tax (EBT) 1 4,445 4,159 5,322 4,604 5,262 4,476 4,555 4,566
Net income 1 3,304 4,778 4,325 4,201 4,659 3,569 3,639 3,638
Net margin 14.81% 21.57% 19.56% 21.54% 24.91% 20.78% 20.79% 20.18%
EPS 2 4.430 6.670 6.390 6.590 7.780 6.297 6.719 7.001
Free Cash Flow 1 - - - - - 1,823 1,839 -
FCF margin - - - - - 10.62% 10.51% -
FCF Conversion (EBITDA) - - - - - 66.22% 69.92% -
FCF Conversion (Net income) - - - - - 51.08% 50.53% -
Dividend per Share 2 1.080 1.120 1.320 1.600 1.680 1.936 2.043 2.217
Announcement Date 2/4/20 2/3/21 2/2/22 2/1/23 1/31/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 5,237 5,433 5,272 5,400 4,820 4,010 4,800 5,172 4,950 3,777 4,296 4,273 4,277 4,288 4,346
EBITDA 1 - - - - - - - - 1,499 947 706 701 684 662 673
EBIT 1 - 1,233 1,143 1,134 880 1,001 1,133 1,139 1,298 739 1,151 1,152 1,191 1,108 -
Operating Margin - 22.69% 21.68% 21% 18.26% 24.96% 23.6% 22.02% 26.22% 19.57% 26.79% 26.96% 27.85% 25.84% -
Earnings before Tax (EBT) 1 1,113 1,233 1,276 1,701 1,103 524 1,342 1,825 1,805 289 1,129 1,122 1,113 1,066 1,157
Net income 1 888 1,039 1,032 1,388 1,596 185 1,188 1,634 1,569 268 889.5 895.8 896.4 855.1 890.3
Net margin 16.96% 19.12% 19.58% 25.7% 33.11% 4.61% 24.75% 31.59% 31.7% 7.1% 20.7% 20.96% 20.96% 19.94% 20.49%
EPS 2 1.320 1.570 1.580 2.160 2.530 0.3000 1.940 2.710 2.640 0.4600 1.540 1.569 1.598 1.540 1.619
Dividend per Share 2 0.3300 0.3300 0.4000 0.4000 0.4000 0.4000 0.4200 0.4200 0.4200 0.4200 0.4720 0.4720 0.4720 0.4925 0.5275
Announcement Date 10/27/21 2/2/22 4/27/22 8/1/22 10/31/22 2/1/23 4/26/23 8/1/23 11/1/23 1/31/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - 4,561 3,736 3,058 -
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - 0.8898 x 1.357 x 1.163 x -
Free Cash Flow 1 - - - - - 1,823 1,839 -
ROE (net income / shareholders' equity) 12.6% 15.3% 12.9% 12.9% 13.8% 16.3% 15.2% 14.9%
ROA (Net income/ Total Assets) - 3.01% 2.49% 2.35% 3.61% 3.01% 3.05% -
Assets 1 - 158,927 173,596 178,424 129,230 118,456 119,521 -
Book Value Per Share 2 39.80 48.50 51.00 36.40 38.00 39.70 41.40 43.40
Cash Flow per Share - 8.320 7.460 6.080 - - - -
Capex 1 - - - - - 2,874 3,018 -
Capex / Sales - - - - - 16.74% 17.24% -
Announcement Date 2/4/20 2/3/21 2/2/22 2/1/23 1/31/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Aflac Incorporated

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
13
Last Close Price
83.61 USD
Average target price
84.54 USD
Spread / Average Target
+1.11%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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