July 23, 2026 a 06:00 pm
AFL: Fundamental Ratio Analysis - Aflac Incorporated
Aflac Incorporated demonstrates robust financial performance, supported by its diversified insurance offerings across Aflac Japan and Aflac U.S. divisions. The company's extensive distribution network bolsters market reach and growth potential. Despite competitive challenges within the insurance industry, Aflac remains a formidable player due to its comprehensive product portfolio.
Fundamental Rating
Aflac holds a strong fundamental position, indicated by its overall score of 'A-'. The company shows consistent performance across key financial metrics, reflecting solid business operations.
| Rating Category | Score | Visual |
|---|---|---|
| Discounted Cash Flow | 4 | |
| Return on Equity | 4 | |
| Return on Assets | 4 | |
| Debt to Equity | 3 | |
| Price to Earnings | 3 | |
| Price to Book | 2 |
Historical Rating
The historical rating shows that Aflac has maintained consistent scores over time, reflecting stable financial health.
| Date | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|
| 2026-07-23 | 4 | 4 | 4 | 4 | 3 | 3 | 2 |
| Previous | 4 | 4 | 4 | 4 | 3 | 3 | 2 |
Analyst Price Targets
Analysts project a median price target of $118 for Aflac, indicating potential for moderate growth. The consensus reflects a 'Hold' status.
| High | Low | Median | Consensus |
|---|---|---|---|
| $130 | $99 | $118 | $116.33 |
Analyst Sentiment
The sentiment analysis reveals a predominant 'Hold' consensus among analysts, with a notable number of 'Buy' recommendations.
| Recommendation | Number | Visual |
|---|---|---|
| Strong Buy | 0 | |
| Buy | 9 | |
| Hold | 18 | |
| Sell | 5 | |
| Strong Sell | 0 |
Conclusion
Aflac Incorporated represents a financially stable investment opportunity with a strong presence in both the Japanese and U.S. insurance markets. The company's solid financial metrics and diversified product offerings provide a foundation for steady growth. However, potential investors should weigh the competitive market landscape and global economic conditions. While analyst sentiment is varied, the overall consensus suggests a strategic 'Hold'. This position reflects Aflac's current market valuation and anticipated future performance.
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