November 09, 2025 a 07:43 pm
AFL: Fundamental Ratio Analysis - Aflac Incorporated
Aflac Incorporated is a stable company with a robust presence in both the Japanese and U.S. insurance markets. Its focus on supplemental health and life insurance products offers a unique niche, enhancing its market resilience. The company's fundamentals suggest a balanced financial position, although there are areas for potential improvement.
Fundamentals Rating
Aflac has shown consistent financial health, scoring a B+ rating overall. Here's a breakdown of the evaluation:
| Category | Score | Visual |
|---|---|---|
| Discounted Cash Flow | 4 | |
| Return on Equity | 3 | |
| Return on Assets | 5 | |
| Debt to Equity | 2 | |
| Price to Earnings | 2 | |
| Price to Book | 2 |
Historical Rating
The historical performance of Aflac's stock showcases a steady trajectory with minor fluctuations:
| Date | Overall | DCF | ROE | ROA | Debt/Equity | P/E | P/B |
|---|---|---|---|---|---|---|---|
| 2025-11-07 | 3 | 4 | 3 | 5 | 2 | 2 | 2 |
| Previous | 0 | 4 | 3 | 5 | 2 | 2 | 2 |
Analyst Price Targets
Analysts have given a moderate outlook for Aflac with price targets reflecting cautious optimism:
| High | Low | Median | Consensus |
|---|---|---|---|
| 125 | 104 | 111 | 111.6 |
Analyst Sentiment
The consensus among analysts suggests holding the stock, favoring a cautious approach amidst stable performance:
| Recommendation | Count | Distribution |
|---|---|---|
| Strong Buy | 0 | |
| Buy | 9 | |
| Hold | 17 | |
| Sell | 4 | |
| Strong Sell | 0 |
Conclusion
Aflac Incorporated represents a stable investment in the insurance sector with strong market presence in Japan and the U.S. Despite its strengths, the company's performance is tempered by moderate valuation ratios and a conservative debt-to-equity position. The consensus recommendation to hold indicates cautious optimism, underscored by consistent performance. Investors might find value in its stability and manageable risk profile, making it an attractive option for risk-averse portfolios.
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