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TipRanks
AFLAC Hold Rating Justified by Mixed Sector Indicators and EPS Concerns
Benzinga
Demystifying Aflac: Insights From 8 Analyst Reviews
Benzinga
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TipRanks
Analysts Are Bullish on Top Financial Stocks: AFLAC (AFL), Blue Owl Capital (OWL)
TipRanks
Bank of America Securities Remains a Buy on AFLAC (AFL)
Historical Prices for Aflac
| Date | Open | Close | Daily High | Daily Low |
|---|
Price change over selected period:0%0
Aflac Analyst Data
Total Analysts: 46
Buy Ratings: 21 Neutral Ratings: 23 Sell Ratings: 2
Analyst: {{ANALYST_DATA}}
Price-Target: {{PRICE_DATA}}
Rating: {{RATING_DATA}}
Price *Price Target
Lowest: 59.00 Median: 76.57 Highest: 100.00
*The average price target includes all analyst analysis, not just the most recent analysis presented in the chart.
Aflac Analyst Opinions
- All
- Buy
- Hold
- Sell
| Date | Analyst | Rating | Price | |||
|---|---|---|---|---|---|---|
| 07/02/24 | J.P. Morgan | Maintained Hold | $83 | neutral | ||
| 06/28/24 | Jefferies & Company Inc. | Maintained Hold | $83 | neutral | ||
| 06/28/24 | Piper Sandler | Maintained Buy | $100 | gut | ||
| 05/10/24 | Wells Fargo & Co | Maintained Hold | $82 | neutral | ||
| 04/15/24 | Morgan Stanley | Maintained Hold | $84 | neutral | ||
| 04/11/24 | Wells Fargo & Co | Maintained Hold | $81 | neutral | ||
| 04/10/24 | Keefe, Bruyette & Woods, Inc. | Maintained Hold | $87 | neutral | ||
| 04/05/24 | Piper Sandler | Maintained Buy | $95 | gut | ||
| 03/01/24 | Morgan Stanley | Maintained Hold | $80 | neutral | ||
| 02/06/24 | Wells Fargo & Co | Maintained Hold | $83 | neutral | ||
| 02/02/24 | Raymond James Financial, Inc. | Maintained Buy | $88 | gut | ||
| 01/10/24 | UBS | Maintained Hold | $84 | neutral | ||
| 01/09/24 | Goldman Sachs | Maintained Sell | $75 | schlecht | ||
| 01/04/24 | Evercore | Downgraded to Sell | $78 | schlecht | ||
| 11/15/23 | Morgan Stanley | Maintained Hold | $80 | neutral | ||
| 11/02/23 | J.P. Morgan | Maintained Hold | $80 | neutral | ||
| 09/26/23 | Raymond James Financial, Inc. | Maintained Buy | $83 | gut | ||
| 09/14/23 | Jefferies & Company Inc. | Maintained Hold | $74 | neutral | ||
| 08/18/23 | Morgan Stanley | Downgraded to Hold | $75 | neutral | ||
| 08/15/23 | Wells Fargo & Co | Maintained Hold | $78 | neutral | ||
| 08/09/23 | Citigroup Corp. | Maintained Hold | $76 | neutral | ||
| 08/02/23 | J.P. Morgan | Maintained Hold | $74 | neutral | ||
| 08/02/23 | Morgan Stanley | Maintained Buy | $74 | gut | ||
| 07/17/23 | Wells Fargo & Co | Maintained Hold | $71 | neutral | ||
| 06/09/23 | Keefe, Bruyette & Woods, Inc. | Maintained Hold | $74 | neutral | ||
| 06/05/23 | Bank of America Merrill Lynch | Maintained Buy | $77 | gut | ||
| 06/02/23 | Morgan Stanley | Maintained Buy | $71 | gut | ||
| 04/27/23 | Morgan Stanley | Maintained Buy | $70 | gut | ||
| 04/25/23 | Wells Fargo & Co | Maintained Hold | $73 | neutral | ||
| 04/12/23 | Morgan Stanley | Maintained Buy | $72 | gut | ||
| 02/24/23 | Morgan Stanley | Maintained Buy | $77 | gut | ||
| 02/02/23 | Morgan Stanley | Maintained Buy | $78 | gut | ||
| 01/30/23 | Raymond James Financial, Inc. | Maintained Buy | $77 | gut | ||
| 01/10/23 | Morgan Stanley | Maintained Buy | $76 | gut | ||
| 01/06/23 | J.P. Morgan | Maintained Hold | $66 | neutral | ||
| 11/18/22 | Piper Sandler | Maintained Buy | $80 | gut | ||
| 11/17/22 | Morgan Stanley | Maintained Buy | $72 | gut | ||
| 11/16/22 | Raymond James Financial, Inc. | Maintained Buy | $74 | gut | ||
| 11/16/22 | RBC Capital Markets | Maintained Hold | $72 | neutral | ||
| 11/02/22 | RBC Capital Markets | Maintained Hold | $68 | neutral | ||
| 11/01/22 | Morgan Stanley | Maintained Buy | $69 | gut | ||
| 10/31/22 | Raymond James Financial, Inc. | Maintained Buy | $70 | gut | ||
| 08/17/22 | Morgan Stanley | Maintained Buy | $67 | gut | ||
| 07/08/22 | Piper Sandler | Maintained Buy | $66 | gut | ||
| 07/06/22 | Evercore | Maintained Hold | $59 | neutral | ||
| 07/06/22 | Morgan Stanley | Maintained Buy | $66 | gut |
Aflac Estimates* in USD
| 2024 | 2025 | 2026 | |
|---|---|---|---|
| Revenue | 17,298 | 17,524 | 17,427 |
| Dividend | 1.97 | 2.07 | 2.22 |
| Dividend Yield (in %) | 2.20 % | 2.32 % | 2.49 % |
| EPS | 6.47 | 6.88 | 7.31 |
| P/E Ratio | 13.82 | 12.99 | 12.23 |
| EBIT | 4,775 | 4,799 | 4,887 |
| EBITDA | 5,413 | 5,508 | 5,432 |
| Net Profit | 3,813 | 3,658 | 3,671 |
| Net Profit Adjusted | 3,740 | 3,663 | 3,680 |
| Pre-Tax Profit | 4,775 | 4,547 | 4,584 |
| Net Profit (Adjusted) | 5,600 | 5,005 | 4,428 |
| EPS (Non-GAAP) ex. SOE | 6.47 | 6.88 | 7.31 |
| EPS (GAAP) | 7.77 | 7.01 | 7.20 |
| Gross Income | - | - | - |
| Cash Flow from Investing | -2,701 | -2,845 | -2,711 |
| Cash Flow from Operations | 3,521 | 3,697 | 3,762 |
| Cash Flow from Financing | - | - | - |
| Cash Flow per Share | 7.94 | - | - |
| Free Cash Flow | 386 | 402 | 503 |
| Free Cash Flow per Share | - | - | - |
| Book Value per Share | 42.57 | 44.44 | 46.34 |
| Net Debt | -692 | -1,083 | -1,575 |
| Research & Development Exp. | - | - | - |
| Capital Expenditure | 2,875 | 3,019 | 2,883 |
| Selling, General & Admin. Exp. | - | - | - |
| Shareholder’s Equity | 23,215 | 22,828 | 22,749 |
| Total Assets | 118,038 | 117,621 | 117,331 |
| Previous Quarter ending 06/30/24 | Current Quarter ending 09/30/24 | Next Quarter ending 12/31/24 | Current Year ending 12/31/24 | Next Year ending 12/31/25 | |
|---|---|---|---|---|---|
| Earnings Estimates | |||||
| No. of Analysts | 12 | 12 | 12 | 12 | 12 |
| Average Estimate | 1.605 USD | 1.632 USD | 1.575 USD | 6.473 USD | 6.883 USD |
| Year Ago | 2.720 USD | 2.654 USD | 0.461 USD | 7.815 USD | - |
| Publish Date | 7/31/2024 | 10/30/2024 | 1/29/2025 | - | - |
| Revenue Estimates | |||||
| No. of Analysts | 6 | 6 | 6 | 9 | 9 |
| Average Estimate | 3,934 USD | 3,924 USD | 3,933 USD | 17,298 USD | 17,524 USD |
| Year Ago | 5,172 USD | 4,950 USD | 3,778 USD | 18,701 USD | - |
| Publish Date | 7/31/2024 | 10/30/2024 | 1/29/2025 | - | - |
* Average Estimates in Million (e.g. Revenue) or per share (e.g. Dividend). Source: FactSet
Income Statements in Mio. USD
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|
| Sales | 18,701.00 | 19,502.00 | 22,106.00 | 22,147.00 | 22,307.00 | 21,758.00 | 21,667.00 |
| Change of sales in % | -4.11 | -11.78 | -0.19 | -0.72 | 2.52 | 0.42 | -3.95 |
| Gross profit on sales | - | - | - | - | - | - | - |
| Gross profit on sales change in % | - | - | - | - | - | - | - |
| Operating income | 5,457.00 | 4,830.00 | 5,608.00 | 4,401.00 | 4,673.00 | 4,205.00 | 4,271.00 |
| Operating income change in % | 12.98 | -13.87 | 27.43 | -5.82 | 11.13 | -1.55 | -4.49 |
| Income before tax | 5,262.00 | 4,604.00 | 5,322.00 | 4,159.00 | 4,445.00 | 3,983.00 | 4,018.00 |
| Income before tax change in % | 14.29 | -13.49 | 27.96 | -6.43 | 11.60 | -0.87 | -1.20 |
| Income after tax | 4,659.00 | 4,201.00 | 4,325.00 | 4,778.00 | 3,304.00 | 2,920.00 | 4,604.00 |
| Income after tax change in % | 10.90 | -2.87 | -9.48 | 44.61 | 13.15 | -36.58 | 73.15 |
Balance Sheet in Mio. USD
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|
| Total liabilities | 108,893.00 | 113,014.00 | 131,300.00 | 138,737.00 | 128,996.00 | 121,194.00 | 116,970.00 |
| Long-term liabilities per share | - | - | - | - | - | - | - |
| Equity | 21,985.00 | 22,365.00 | 33,253.00 | 33,559.00 | 28,959.00 | 23,462.00 | 24,598.00 |
| Equity change in % | -1.70 | -32.74 | -0.91 | 15.88 | 23.43 | -4.62 | 20.10 |
| Balance sheet total | 130,878.00 | 135,379.00 | 164,553.00 | 172,296.00 | 157,955.00 | 144,656.00 | 141,568.00 |
| Balance sheet total change in % | -3.32 | -17.73 | -4.49 | 9.08 | 9.19 | 2.18 | 8.23 |
Key Data in USD
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|
| Sales per share | 31.23 | 30.58 | 32.67 | 30.92 | 29.88 | 28.09 | 27.16 |
| P/E ratio (year end quote, basic EPS) | 10.60 | 10.92 | 9.14 | 6.67 | 11.95 | 12.09 | 7.61 |
| P/E ratio (year end quote, diluted EPS) | 10.60 | 10.92 | 9.14 | 6.67 | 11.95 | 12.09 | 7.61 |
| P/E ratio (year end quote) | 10.60 | 10.92 | 9.14 | 6.67 | 11.95 | 12.09 | 7.61 |
| Dividend yield in % | 2.04 | 2.22 | 2.26 | 2.52 | 2.04 | 2.28 | 1.98 |
| Equity ratio in % | 16.80 | 16.52 | 20.21 | 19.48 | 18.33 | 16.22 | 17.38 |
| Debt ratio in % | 83.20 | 83.48 | 79.79 | 80.52 | 81.67 | 83.78 | 82.62 |
Aflac Insider Activity
| Name | Date | shares traded | shares held | Price | type (sell/buy) | option |
|---|---|---|---|---|---|---|
| Miller Virgil Raynard | 06/23/2024 | 756.00 | 7,729.00 | 90.43 | Sell | No |
| LAKE CHARLES D II | 05/20/2024 | 22,378.00 | 61,522.00 | 87.47 | Sell | No |
| LAKE CHARLES D II | 05/20/2024 | 22,378.00 | 83,900.00 | 30.73 | Buy | No |
| MOSKOWITZ JOSEPH L | 05/07/2024 | 600.00 | 27,550.00 | 84.84 | Sell | No |
| Rohrer Katherine | 05/06/2024 | 900.00 | 20,480.00 | n/a | Sell | No |
| BOWERS WILLIAM P | 05/05/2024 | 4,781.00 | 66,842.00 | n/a | Buy | No |
| Kiser Georgette D. | 05/05/2024 | 2,125.00 | 17,518.00 | n/a | Buy | No |
| KENNY THOMAS J | 05/05/2024 | 2,125.00 | 20,046.00 | n/a | Buy | No |
| Rohrer Katherine | 05/05/2024 | 2,125.00 | 21,380.00 | n/a | Buy | No |
| Hosoda Miwako | 05/05/2024 | 2,125.00 | 5,656.00 | n/a | Buy | No |
| MOSKOWITZ JOSEPH L | 05/05/2024 | 2,125.00 | 28,150.00 | n/a | Buy | No |
| Lloyd Karole | 05/05/2024 | 2,125.00 | 47,036.00 | n/a | Buy | No |
| Collins Arthur Reginald | 05/05/2024 | 2,125.00 | 7,732.00 | n/a | Buy | No |
| Mori Nobuchika | 05/05/2024 | 2,125.00 | 12,526.00 | n/a | Buy | No |
| Hosoda Miwako | 04/30/2024 | 1,514.00 | 3,531.00 | 84.57 | Sell | No |
| Mori Nobuchika | 04/30/2024 | 721.00 | 10,401.00 | 84.57 | Sell | No |
| Broden Max | 04/28/2024 | 8,894.00 | 99,073.00 | 84.54 | Sell | No |
| Dyslin Bradley Eugene | 03/24/2024 | 5,368.00 | 11,364.00 | 84.81 | Sell | No |
| KENNY THOMAS J | 03/19/2024 | 5,000.00 | 17,920.00 | 84.62 | Sell | No |
| RIGGIERI ALBERT | 03/13/2024 | 8,000.00 | 32,825.00 | 83.35 | Sell | No |
| AMOS DANIEL P | 02/20/2024 | 112,800.00 | 798,187.00 | n/a | Sell | No |
| Koide Masatoshi | 02/15/2024 | 30,493.00 | 86,090.00 | 79.91 | Sell | No |
| LAKE CHARLES D II | 02/15/2024 | 32,259.00 | 61,522.00 | 79.91 | Sell | No |
| AMOS DANIEL P | 02/14/2024 | 178,197.00 | 910,987.00 | 78.23 | Sell | No |
| TILLMAN AUDREY B | 02/14/2024 | 35,244.00 | 223,785.00 | 78.23 | Sell | No |
Aflac Dividend Calendar
| Date | Name | Dividend | *yield | Currency |
|---|---|---|---|---|
| 2023 | Aflac Inc | 1.68 | 2.04 | USD |
| 2022 | Aflac Inc | 1.60 | 2.22 | USD |
| 2021 | Aflac Inc | 1.32 | 2.26 | USD |
| 2020 | Aflac Inc | 1.12 | 2.52 | USD |
| 2019 | Aflac Inc | 1.08 | 2.04 | USD |
| 2018 | Aflac Inc | 1.04 | 2.28 | USD |
| 2017 | Aflac Inc | 0.87 | 1.98 | USD |
| 2016 | Aflac Inc | 0.83 | 2.39 | USD |
| 2015 | Aflac Inc | 0.79 | 2.64 | USD |
| 2014 | Aflac Inc | 0.75 | 2.46 | USD |
| 2013 | Aflac Inc | 0.71 | 2.13 | USD |
| 2012 | Aflac Inc | 0.67 | 2.52 | USD |
| 2011 | Aflac Inc | 0.62 | 2.84 | USD |
| 2010 | Aflac Inc | 0.57 | 2.02 | USD |
| 2009 | Aflac Inc | 0.56 | 2.42 | USD |
| 2008 | Aflac Inc | 0.96 | 2.09 | USD |
| 2007 | Aflac Inc | 0.80 | 1.28 | USD |
| 2006 | Aflac Inc | 0.55 | 1.20 | USD |
| 2005 | Aflac Inc | 0.44 | 0.95 | USD |
| 2004 | Aflac Inc | 0.38 | 0.95 | USD |
| 2003 | Aflac Inc | 0.30 | 0.83 | USD |
| 2002 | Aflac Inc | 0.23 | 0.76 | USD |
| 2001 | Aflac Inc | 0.19 | 0.77 | USD |
| 2000 | Aflac Inc | 0.17 | 0.47 | USD |
| 1999 | Aflac Inc | 0.15 | 0.32 | USD |
*Yield of the Respective Date
Aflac Inc Calendar
| Event | Estimate | Info | Date |
|---|---|---|---|
| Earnings Report | 1.605 USD | Q2 2024 Earnings Release | 07/31/2024 |
| Earnings Report | 1.632 USD | Q3 2024 Earnings Release | 10/30/2024 |
| Earnings Report | 1.575 USD | Q4 2024 Earnings Release | 01/29/2025 |
| Earnings Report | 1.691 USD | Q1 2025 Earnings Release | 04/23/2025 |
| Earnings Report | 1.715 USD | Q2 2025 Earnings Release | 08/05/2025 |
| Earnings Report | 1.754 USD | Q3 2025 Earnings Release | 10/29/2025 |
Aflac Inc Past Events
| Event | Actual EPS | Info | Date |
|---|---|---|---|
| Annual General Meeting | - | Annual General Meeting | 05/06/2024 |
| Press Conference | - | - | 05/02/2024 |
| Earnings Report | 3.269 USD | Q1 2024 Earnings Release | 05/01/2024 |
| Press Conference | - | - | 02/01/2024 |
| Press Conference | - | - | 11/02/2023 |
Aflac Profile
Aflac, Inc. is a holding company, which engages in the provision of financial protection services. It operates through the following segments: Aflac Japan and Aflac U. S. The Aflac Japan segment offers life insurance, death benefits, and cash surrender values. The Aflac U. S. segment sells voluntary supplemental insurance products for people who already have major medical or primary insurance coverage.
Moody’s Daily Credit Risk Score
Risk
- Low
- Medium
- High
6
Moody’s Daily Credit Risk Score is a 1-10 score of a company’s credit risk, based on an analysis of the firm’sbalance sheet and inputs from the stock market. The score provides a forward-looking, one-year measure of creditrisk, allowing investors to make better decisions and streamline their work ow. Updated daily, it takes intoaccount day-to-day movements in market value compared to a company’s liability structure.
Aflac Shareholder
| Owner | in % |
|---|---|
| Freefloat | 90.04 |
| The Vanguard Group, Inc. | 9.23 |
| Japan Post Holdings Co., Ltd. | 9.20 |
| Japan Post Holdings Co., Ltd. | 9.20 |
| Vanguard Group, Inc. (Subfiler) | 8.67 |
| State Street Corp. | 4.55 |
| Vanguard Total Stock Market ETF | 3.20 |
| BlackRock Fund Advisors | 3.00 |
| Vanguard 500 Index Fund | 2.38 |
| Geode Capital Management LLC | 2.17 |
| Wells Fargo Clearing Services LLC | 2.12 |
| BlackRock Institutional Trust Co. NA | 2.08 |
| Fidelity 500 Index Fund | 1.13 |
| iShares Core S&P 500 ETF | 0.96 |
| First Trust Advisors LP | 0.95 |
Shareholder percentage totals can add to more than 100% because some holders are included in the free float.
Aflac Management
| Name | Job |
|---|---|
| Daniel Paul Amos | Chairman, President & Chief Executive Officer |
| Robin Blackmon | Chief Accounting Officer & SVP-Financial Services |
| Thomas L. McDaniel | Chief Auditor, Senior VP & US Compliance Officer |
| Max K. Brodén | Chief Financial Officer & Executive Vice President |
| Matthew D. Owenby | Chief Human Resources Officer & Senior VP |
| J. Peter Kelso | Chief Information Officer & Executive VP |
| Timothy L. Callahan | Chief Information Security Officer & Senior VP |
| Teresa Q. McTague | Chief Investment Officer-Global Investments & MD |
| Garth Knutson | Chief Marketing Officer |
| Daniel S. Trsic | Chief Tax Officer |
| Frederick John Crawford | Executive Vice President |
| Audrey Boone Tillman | Executive Vice President & General Counsel |
| Brad E. Dyslin | Global Chief Investment Officer & Executive VP |
| Albert A. Riggieri | Global Chief Risk Officer & Senior Vice President |
| Karole F. Lloyd | Independent Director |
| Arthur R. Collins | Independent Director |
| Georgette D. Kiser | Independent Director |
| Joseph L. Moskowitz | Independent Director |
| Katherine T. Rohrer | Independent Director |
| Nobuchika Mori | Independent Director |
| Miwako Hosoda | Independent Director |
| Thomas J. Kenny | Independent Director |
| David A. Young | Investor Contact |
| William Paul Bowers | Lead Independent Director |
| Virgil R. Miller | President-Alfac US |
| Thomas P. McKenna | SVP & Deputy General Counsel-Legal Division |
| Joey Matthew Loudermilk | Secretary & Vice President |
| Bradley Knox | Senior Vice President & Counsel-Federal Relations |
