November 20, 2025 a 08:00 am
AFL: Fundamental Ratio Analysis - Aflac Incorporated
Aflac Incorporated is a recognized leader in the supplemental insurance market with operations primarily in Japan and the U.S. The company has shown stability and consistent performance in its sector. With its robust distribution network and financial products, Aflac remains a strong contender in the insurance industry.
Fundamental Rating
Aflac's fundamental analysis shows a balanced distribution of scores across various financial metrics. Here's a deeper look at its rating:
| Category | Score | |
|---|---|---|
| Discounted Cash Flow | 4 | |
| Return on Equity | 4 | |
| Return on Assets | 5 | |
| Debt to Equity | 1 | |
| Price to Earnings | 2 | |
| Price to Book | 2 |
Historical Rating
The historical score comparison indicates consistency over time in Aflac's financial metrics:
| Date | Overall | Discounted Cash Flow | Return on Equity | Return on Assets | Debt to Equity | Price to Earnings | Price to Book |
|---|---|---|---|---|---|---|---|
| 2025-11-19 | 3 | 4 | 4 | 5 | 1 | 2 | 2 |
| Current | 3 | 4 | 4 | 5 | 1 | 2 | 2 |
Analyst Price Targets
Analysts' price target data reveals varied but cautiously optimistic valuation ranges for Aflac:
| High | Low | Median | Consensus |
|---|---|---|---|
| 125 | 104 | 111 | 111.6 |
Analyst Sentiment
Analyst recommendations for Aflac suggest a lean towards 'Hold' with the following distribution:
| Recommendation | Count | Distribution |
|---|---|---|
| Strong Buy | 0 | |
| Buy | 9 | |
| Hold | 17 | |
| Sell | 4 | |
| Strong Sell | 0 |
Conclusion
Aflac Incorporated presents a solid investment opportunity with consistent historical performance and stable financial ratings. While current analyst sentiment suggests a hold, the company's dominant market position and diverse product offering bolster its long-term prospects. Potential investors should weigh the moderate growth expectations against the robust financial health the company exhibits. However, external economic conditions and changes in insurance regulations may pose risks to continued performance.