AFL
Bearish signalScored 2026-09-22 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Aflac Incorporated
- Nom
- Aflac Incorporated
- Secteur
- Financial Services
- Industrie
- Insurance - Life
- Bourse
- NYSE
- Capitalisation
- $60.7B
- Employés
- 12,716
- PDG
- Daniel Paul Amos
- Site web
- https://www.aflac.com
- Marché
- BHFCNOFGGLHIGLNC
Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 13 801 titres (~1 631 253,93 $ US)
- Insiders
- Koide MasatoshiMOSKOWITZ JOSEPH L
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,254,860
Avg sell (VWAP, 90d window) $118.38 vs last close $113.72 (-3.9%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$74,460 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-16
- Liquidity
- Liquid $268,978,112/day · 20d vol
- Last synced
-
2026-09-25 21:10:03
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-16 | Koide Masatoshi | Sell · S | 10,000 | $118.04 | $1,180,400 | Form 4 |
| 2026-08-10 | MOSKOWITZ JOSEPH L | Sell · S · 10b5-1 | 600 | $124.10 | $74,460 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-08-10 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2026-01-29 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2025-07-25 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-03-10 | Carol Devine Miller | Purchase | $1,001 - $15,000 |
| 2024-01-10 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2023-10-31 | Ro Khanna | Sale | $15,001 - $50,000 |
| 2023-10-10 | Ro Khanna | Purchase | $15,001 - $50,000 |
| 2023-08-03 | Ro Khanna | Sale | $15,001 - $50,000 |
| 2023-01-11 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-09-29 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-08-01 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-07-19 | Ro Khanna | Purchase | $15,001 - $50,000 |
| 2022-05-23 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-05-10 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2022-05-05 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2022-02-22 | Marjorie Taylor Greene | Purchase | $1,001 - $15,000 |
| 2022-02-17 | John Henry Rutherford | Sale (Full) | $1,001 - $15,000 |
| 2022-01-21 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2021-04-09 | Sara Jacobs | Sale (Full) | $50,001 - $100,000 |
| 2020-07-28 | Carol Devine Miller | Sale (Full) | $1,001 - $15,000 |
| 2020-04-02 | Dean Phillips | Purchase | $1,001 - $15,000 |
| 2020-03-18 | Gilbert Ray Cisneros | Sale (Full) | $1,001 - $15,000 |
| 2017-07-17 | John Henry Rutherford | Purchase | $1,001 - $15,000 |
Signal
Bearish signalScored 2026-09-22 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
AFL presents a mixed-to-weak profile: while liquidity remains solid (score 85), deteriorating fundamentals (score 45) — marked by shrinking profit margins, declining interest coverage, and a negative PEG ratio —…
The first sentence of the analysis written for AFL on 2026-09-22 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Interesting trend — weekly bias down
- Financial indicators Supports a bullish reading. Current ratio 12.39 · operating margin 27%
Suggested stop 109.63, nearest stored support minus 0.5 ATR(3.6% under the last close). Reward/risk to the next stored resistance is 0.53. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 38.9% | 35.6% | 100.0% | 100.0% | 100.0% | |
| Ebit Margin | 26.7% | 33.5% | 27.9% | 25.4% | 24.2% | |
| Ebitda Margin | 31.7% | 33.5% | 27.9% | 25.4% | 24.2% | |
| Operating Profit Margin | 26.6% | 33.5% | 27.9% | 25.4% | 24.2% | |
| Pretax Profit Margin | 26.0% | 33.5% | 27.9% | 25.4% | 24.2% | |
| Continuous Operations Profit Margin | 20.9% | 28.5% | 24.7% | 23.1% | 19.6% | |
| Net Profit Margin | 20.9% | 28.5% | 24.7% | 23.1% | 19.6% | |
| Bottom Line Profit Margin | 20.9% | 28.5% | 24.7% | 23.1% | 19.6% | |
| Current Ratio | 12.390 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Quick Ratio | 12.390 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Solvency Ratio | 0.052 | 0.060 | 0.044 | 0.040 | 0.034 | |
| Cash Ratio | 1.075 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Price To Earnings Ratio | 16.074 | 10.686 | 10.563 | 10.336 | 9.095 | |
| Price To Earnings Growth Ratio | -0.552 | 0.446 | 0.865 | 1.229 | -2.254 | |
| Forward Price To Earnings Growth Ratio | -0.552 | 0.446 | 0.865 | 1.229 | -2.254 | |
| Price To Earnings Diluted Ratio | 16.145 | 10.741 | 10.604 | 10.381 | 9.138 | |
| Price To Earnings Diluted Growth Ratio | -0.555 | 0.452 | 0.865 | 1.228 | -2.177 | |
| Price To Book Ratio | 1.982 | 2.211 | 2.237 | 2.268 | 1.183 | |
| Price To Sales Ratio | 3.352 | 3.017 | 2.610 | 2.385 | 1.826 | |
| Price To Free Cash Flow Ratio | 22.876 | 21.318 | 15.418 | 11.773 | 7.787 | |
| Price To Operating Cash Flow Ratio | 22.876 | 21.318 | 15.418 | 11.773 | 7.787 | |
| Debt To Assets Ratio | 0.072 | 0.064 | 0.058 | 0.056 | 0.051 | |
| Debt To Equity Ratio | 0.285 | 0.287 | 0.335 | 0.370 | 0.239 | |
| Debt To Capital Ratio | 0.222 | 0.223 | 0.251 | 0.270 | 0.193 | |
| Long Term Debt To Capital Ratio | 0.220 | 0.221 | 0.248 | 0.266 | 0.191 | |
| Financial Leverage Ratio | 3.949 | 4.505 | 5.764 | 6.541 | 4.738 | |
| Working Capital Turnover Ratio | 0.527 | 0.000 | 0.000 | 0.000 | 0.385 | |
| Operating Cash Flow Ratio | 0.440 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Sales Ratio | 0.147 | 0.142 | 0.169 | 0.203 | 0.234 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 21.082 | 27.629 | 23.892 | 19.549 | 17.777 | |
| Interest Coverage Ratio | 21.095 | 32.574 | 26.985 | 21.544 | 21.882 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.304 | 0.361 | 0.433 | 0.521 | 0.635 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 2.133 | 2.490 | 3.302 | 3.962 | 5.908 | |
| Dividend Payout Ratio | 0.329 | 0.200 | 0.207 | 0.222 | 0.202 | |
| Enterprise Value Multiple | 10.971 | 9.191 | 9.928 | 10.098 | 8.110 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 38.9% | ▲3.3% | ▼-36.0% |
| Ebit Margin | 26.7% | ▼-6.9% | ▼-0.9% |
| Ebitda Margin | 31.7% | ▼-1.9% | ▲3.1% |
| Operating Profit Margin | 26.6% | ▼-6.9% | ▼-0.9% |
| Pretax Profit Margin | 26.0% | ▼-7.5% | ▼-1.4% |
| Continuous Operations Profit Margin | 20.9% | ▼-7.5% | ▼-2.5% |
| Net Profit Margin | 20.9% | ▼-7.5% | ▼-2.5% |
| Bottom Line Profit Margin | 20.9% | ▼-7.5% | ▼-2.5% |
| Current Ratio | 12.390 | ▲12.390 | ▲9.912 |
| Quick Ratio | 12.390 | ▲12.390 | ▲9.912 |
| Solvency Ratio | 0.052 | ▼-0.007 | ▲0.006 |
| Cash Ratio | 1.075 | ▲1.075 | ▲0.860 |
| Price To Earnings Ratio | 16.074 | ▲5.388 | ▲4.723 |
| Price To Earnings Growth Ratio | -0.552 | ▼-0.998 | ▼-0.499 |
| Forward Price To Earnings Growth Ratio | -0.552 | ▼-0.998 | ▼-0.499 |
| Price To Earnings Diluted Ratio | 16.145 | ▲5.404 | ▲4.743 |
| Price To Earnings Diluted Growth Ratio | -0.555 | ▼-1.007 | ▼-0.518 |
| Price To Book Ratio | 1.982 | ▼-0.229 | ▲0.006 |
| Price To Sales Ratio | 3.352 | ▲0.335 | ▲0.714 |
| Price To Free Cash Flow Ratio | 22.876 | ▲1.558 | ▲7.042 |
| Price To Operating Cash Flow Ratio | 22.876 | ▲1.558 | ▲7.042 |
| Debt To Assets Ratio | 0.072 | ▲0.008 | ▲0.012 |
| Debt To Equity Ratio | 0.285 | ▼-0.002 | ▼-0.018 |
| Debt To Capital Ratio | 0.222 | ▼-0.001 | ▼-0.010 |
| Long Term Debt To Capital Ratio | 0.220 | ▼-0.001 | ▼-0.009 |
| Financial Leverage Ratio | 3.950 | ▼-0.555 | ▼-1.150 |
| Working Capital Turnover Ratio | 0.527 | ▲0.527 | ▲0.345 |
| Operating Cash Flow Ratio | 0.440 | ▲0.440 | ▲0.352 |
| Operating Cash Flow Sales Ratio | 0.146 | ▲0.005 | ▼-0.032 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | 0.000 |
| Debt Service Coverage Ratio | 21.082 | ▼-6.548 | ▼-0.904 |
| Interest Coverage Ratio | 21.096 | ▼-11.478 | ▼-3.721 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.304 | ▼-0.057 | ▼-0.147 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Dividend Paid And Capex Coverage Ratio | 2.133 | ▼-0.358 | ▼-1.426 |
| Dividend Payout Ratio | 0.329 | ▲0.129 | ▲0.097 |
| Enterprise Value Multiple | 10.971 | ▲1.780 | ▲1.311 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $58.45B | $57.71B | $49.18B | $45.67B | $39.33B | |
| Enterprise value | $60.61B | $58.98B | $52.24B | $49.17B | $42.24B | |
| EV / Sales | 3.48x | 3.08x | 2.77x | 2.57x | 1.96x | |
| EV / Op. cash flow | 23.72x | 21.79x | 16.38x | 12.68x | 8.36x | |
| EV / Free cash flow | 23.72x | 21.79x | 16.38x | 12.68x | 8.36x | |
| EV / EBITDA | 10.97x | 9.19x | 9.93x | 10.10x | 8.11x | |
| Net debt / EBITDA | 0.39x | 0.20x | 0.58x | 0.72x | 0.56x | |
| Current ratio | 12.39x | 0.00x | 0.00x | 0.00x | 0.00x | |
| Income quality | 0.70x | 0.50x | 0.69x | 0.88x | 1.19x | |
| Graham number | $93 | $101 | $81 | $70 | $84 | |
| Graham net-net | -$29 | -$35 | -$44 | -$50 | -$30 | |
| Tax burden | 80.4% | 84.8% | 88.5% | 90.7% | 81.2% | |
| Interest burden | 97.5% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $66.14B | $0 | $0 | $0 | $0 | |
| Invested capital | $75.53B | $9.41B | $445.0M | $530.0M | $538.0M | |
| Return on assets | 3.1% | 4.6% | 3.7% | 3.4% | 2.7% | |
| Operating ROA | 4.0% | 5.3% | 4.1% | 3.4% | 3.2% | |
| Return on tangible assets | 3.4% | 5.0% | 3.7% | 3.4% | 2.7% | |
| Return on equity | 12.4% | 20.9% | 21.2% | 21.9% | 12.7% | |
| Return on invested capital | 3.4% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Return on capital employed | 4.2% | 5.5% | 4.2% | 3.7% | 3.3% | |
| Earnings yield | 6.2% | 9.4% | 9.5% | 9.7% | 10.8% | |
| Free cash flow yield | 4.4% | 4.7% | 6.5% | 8.5% | 12.8% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 15.5% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Intangibles / Total assets | 7.8% | 7.7% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 33d | 15d | 16d | 12d | 11d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 33d | 15d | 16d | 12d | 11d | |
| Cash conversion cycle | 33d | 15d | 16d | 12d | 11d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-21 Brokerages Set Aflac Incorporated (NYSE:AFL) Price Target at $116.62 Aflac Incorporated (NYSE: AFL - Get Free Report) has been given an average recommendation of "Hold" by the fourteen analysts that are covering the company, MarketBeat.com reports. Three investment analysts have rated the stock with a sell recommendation, seven have given a hold recommendation, three have issued a buy recommendation and one has assigned a strong
- 2026-09-18 Aflac Incorporated $AFL Shares Sold by IFP Advisors Inc IFP Advisors Inc lowered its holdings in shares of Aflac Incorporated (NYSE: AFL) by 66.9% during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 3,084 shares of the financial services provider''s stock after selling 6,232 shares during the quarter. IFP Advisors Inc''s
- 2026-09-17 Bank of America Corp DE Takes $244.52 Million Position in Aflac Incorporated $AFL Bank of America Corp DE acquired a new position in Aflac Incorporated (NYSE: AFL) during the second quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor acquired 2,085,422 shares of the financial services provider''s stock, valued at approximately $244,516,000. Bank of America Corp
- 2026-09-16 Most Active Options Report: FPS, TEVA, AFL These three stocks are seeing some of the most unusual options volume today
- 2026-09-16 Post Holdings Co. Ltd. Japan Sells 13,300 Shares of Aflac (NYSE:AFL) Stock Aflac Incorporated (NYSE: AFL - Get Free Report) major shareholder Post Holdings Co. Ltd. Japan sold 13,300 shares of the company''s stock in a transaction dated Thursday, September 10th. The shares were sold at an average price of $114.32, for a total transaction of $1,520,456.00. Following the completion of the transaction, the insider owned 50,612,190 shares
- 2026-09-15 AFL and Alcyon Photonics Collaborate to Advance Next-Generation Fiber to PIC Coupling for AI Infrastructure SPARTANBURG, S.C. & MADRID--(BUSINESS WIRE)-- #WeAreAFL--AFL, an industry-leading manufacturer of fiber optic cables, connectivity, equipment and related services, and Alcyon Photonics, a leader in photonic integrated IP (intellectual property) and design, today announced a strategic collaboration to develop advanced, high-efficiency optical coupling solutions for next-generation fiber-to-PIC coupling supporting multi-core connectivity in AI and hyperscale data center applications.The collaboration combines.
- 2026-09-14 Jim Cramer Recommends Buying This Communication Services Stock, Calling It ‘Amazing'' On CNBC''s “Mad Money Lightning Round,” Jim Cramer recommended buying Sphere Entertainment Co. (NYSE:SPHR), calling it “amazing.”
- 2026-09-10 Aflac Incorporated (AFL) Presents at KBW Insurance Conference 2026 Transcript Aflac Incorporated (AFL) Presents at KBW Insurance Conference 2026 Transcript
- 2026-09-10 Baird Financial Group Inc. Buys 37,886 Shares of Aflac Incorporated $AFL Baird Financial Group Inc. raised its stake in Aflac Incorporated (NYSE: AFL) by 12.5% during the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor owned 341,431 shares of the financial services provider''s stock after buying an additional 37,886 shares during the
- 2026-09-09 Aflac commemorates National Childhood Cancer and Sickle Cell Disease Awareness Month Company''s 30-plus-year commitment results in major milestone, surpassing $200 million in contributions for treatment and research COLUMBUS, Ga., Sept. 9, 2026 /PRNewswire/ -- Aflac, a leading provider of supplemental health insurance and long-term supporter of families facing childhood cancer and blood disorders, is honoring National Childhood Cancer and Sickle Cell Disease Awareness Month by announcing that the company has surpassed the $200 million level of contributions to this cause.