AFL
Financial ServicesAflac Incorporated · Insurance - Life · $60B
What is Aflac Incorporated?
Aflac Incorporated is a leading provider of supplemental health and life insurance, operating primarily in the United States and Japan. The company is best known for its distinctive duck mascot and workplace benefit products.
Aflac sells supplemental insurance policies that pay cash benefits directly to policyholders when illness or injury strikes. Revenue comes from premiums collected across two core segments — Aflac Japan and Aflac U.S. — distributed through employer groups, brokers, and independent agents.
Aflac was founded in 1955 and is headquartered in Columbus, Georgia.
- Cancer insurance
- Accident and disability coverage
- Critical illness and hospital indemnity plans
- Life insurance products
Is AFL a Good Stock to Buy?
UQS Score rates AFL as Good overall.
Aflac's Quality and Risk pillars both register as Good, reflecting a business model built on recurring premium income and disciplined underwriting. Valuation also comes in at a Good level, suggesting the stock is not stretched relative to its fundamentals.
The Growth pillar is rated Weak, pointing to limited near-term expansion momentum in a mature supplemental insurance market.
See the exact pillar breakdown and full financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does AFL pay dividends?
Yes — Aflac Incorporated pays a dividend.
Aflac pays a regular dividend, consistent with its long track record of returning capital to shareholders. The company's stable premium-based cash flows support ongoing dividend payments, making it a common holding for income-oriented investors.
When does AFL report earnings?
Aflac reports earnings on a quarterly cadence, typical for US-listed equities.
Aflac's results are shaped by claims experience, investment income, and currency movements between the US dollar and Japanese yen. Consistent underwriting discipline has generally supported steady profitability across both operating segments.
For the most recent quarter's results, visit Aflac's investor relations page directly.
AFL Price History
+128.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Aflac Incorporated?
Based on Aflac Incorporated's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Aflac do?
Aflac provides supplemental health and life insurance in the US and Japan. Its policies pay cash benefits directly to policyholders during a covered illness or injury, complementing primary health coverage. Products are sold through employers, brokers, and independent agents.
Does AFL pay dividends?
Yes, Aflac pays a regular dividend. The company has a long history of dividend payments supported by stable premium income. Income-focused investors often consider AFL for its consistent capital return track record.
When does AFL report earnings?
Aflac reports on a standard quarterly schedule. For confirmed dates and the latest results, check Aflac's official investor relations page.
Is AFL a good stock to buy?
UQS Score rates AFL as Good, with particularly strong marks in Quality, Risk, and Valuation. The Growth pillar is rated Weak, reflecting a mature market position. The full pillar breakdown is available to Pro members on UQS Score.
Is AFL overvalued?
AFL's Valuation pillar is rated Good, suggesting the stock is reasonably priced relative to its fundamentals. Whether that represents an opportunity depends on individual investment criteria — the complete analysis is available to Pro members.
What is AFL's market cap bracket?
Aflac is a large-cap company, placing it among the more established and widely followed names in the financial services sector.
Who founded Aflac?
Aflac was founded in 1955 by John B. Amos, Paul S. Amos, and Bill Amos in Columbus, Georgia, originally as the American Family Life Assurance Company.
Is AFL a long-term quality stock?
As a long-term quality indicator, AFL's Good UQS Score reflects stable underwriting, manageable risk, and reasonable valuation. The Weak Growth pillar is worth monitoring for investors with a long horizon. Pro members can view the full multi-pillar analysis.
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Pro Analysis
AFL — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 54.4 | 81.2 | 46.0 | 14.7 | 62.6 | 68.2 | +0.1 |
| May 22, 2026 | 54.3 | 81.2 | 46.0 | 14.7 | 62.6 | 68.0 | -0.1 |
| May 21, 2026 | 54.4 | 81.2 | 46.0 | 14.7 | 62.6 | 68.2 | +0.1 |
| May 20, 2026 | 54.3 | 81.1 | 46.0 | 14.7 | 62.6 | 68.2 | 0.0 |
| May 19, 2026 | 54.3 | 81.3 | 46.0 | 14.7 | 62.6 | 68.1 | -0.1 |
| May 18, 2026 | 54.4 | 81.3 | 46.0 | 14.7 | 62.6 | 68.6 | -0.1 |
| May 17, 2026 | 54.5 | 81.3 | 46.0 | 14.8 | 62.6 | 68.9 | -0.1 |
| May 16, 2026 | 54.6 | 81.3 | 46.0 | 14.8 | 62.6 | 69.3 | 0.0 |
| May 15, 2026 | 54.6 | 81.5 | 46.0 | 14.8 | 62.6 | 69.2 | 0.0 |
| May 14, 2026 | 54.6 | 81.5 | 46.0 | 14.8 | 62.6 | 69.5 | 0.0 |
AFL — Pillar Breakdown
Quality
— 81.2/100 (25%)Aflac Incorporated demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 14.7/100 (20%)Aflac Incorporated faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 62.6/100 (15%)Aflac Incorporated maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 69.6/100 (15%)Aflac Incorporated trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 46/100 (25%)Aflac Incorporated possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for AFL.
Score Composition
Financial Data
More Stock Analysis
How is the AFL UQS Score Calculated?
The UQS (Unified Quality Score) for Aflac Incorporated is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Aflac Incorporated's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Aflac Incorporated is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.