Top line contracting.
−8.8% YoY versus +1.5% prior. 3y CAGR −3.1%.
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Financial Services · Market Cap: $60.0B
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Fundamentals as of 2026-03-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
Mixed — Aflac Incorporated has 20.7% ROE but D/E 4.36.
Financial story
Mixed — Aflac Incorporated's 20.7% ROE is strong, but its 4.36 debt-to-equity is elevated.
Bottom line: AFL currently has no legendary investor models qualifying — see /stock/AFL/valuation for the per-model breakdown, but earns a C sector grade (45/100) in Financial Services. Use the per-tab analysis to form your own view. Drill into the valuation breakdown and sector ranking for the full picture.
−8.8% YoY versus +1.5% prior. 3y CAGR −3.1%.
−8.8%Net margin 20.9% versus 28.5% prior (−7.5pp). Operating 26.6%.
20.9%P/E 13.5x — 20% above the 5y median of 11.3x. Forward 16.7x signals EPS contraction next year.
13.5xThe Question
How does AFL compare?
Aflac Incorporated's fair value depends on which model you trust. See the per-investor fair-value table in the valuation tab.
AFL trades at 12.9x earnings. Sector context and per-investor signals are in the valuation tab.
AFL and TFC differ on P/E, ROE, and revenue growth. See the full AFL vs TFC compare matrix.
Investor verdicts for AFL are listed in the valuation tab. Per-model fair value and reasoning are in the valuation tab.
AFL's P/E ratio is 12.9x. 5-year P/E history is in the financials tab.
Investor verdicts vary by methodology. Full breakdown by investor and signal is in the valuation tab.
See exactly where AFL ranks
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Sign in to see the rankingAFL sits at #111 in Financial Services with a C grade (45/100).