AFL Fair Value Estimate
$158.8043.7% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
Aflac Inc
Exchange: NYSESector: Financial ServicesIndustry: Insurance - Life
Aflac Incorporated, a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products. 1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force. 2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español.
Did you know?
Profit margin of 21.2% — that's well above average.
Current Price
$110.48
+0.77%GoodMoat Value
$158.80
43.7% undervaluedProfile
Valuation (TTM)
Market Cap$57.90B
P/E15.88
EV$58.06B
P/B1.96
Shares Out524.11M
P/Sales3.37
Revenue$17.16B
EV/EBITDA12.64
Aflac Inc (AFL) Valuation
AFL Valuation Metrics
FCF$2.56B
FCF Growth Rate-11.87%
EPS Growth (CAGR)-11.87%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →AFL Valuation & Fair Value Analysis
Aflac Inc (AFL) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for Aflac Inc is $158.80. The current stock price is $110.48, suggesting the stock is 43.7% undervalued.
The price-to-earnings (P/E) ratio is 15.88. Price-to-book ratio is 1.96. Price-to-sales ratio is 3.37. Enterprise value to EBITDA is 12.64. PEG ratio is -0.68.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Aflac Inc's intrinsic value.