NYSE · Financial · Insurance - Life · USA
Aflac Inc is a large cap company (market value between $10 billion and $200 billion) in the Insurance - Life industry.
Aflac Inc provides supplemental health and life insurance products to policyholders in Japan and the United States. The company offers cancer insurance, medical coverage, accident protection, disability benefits, and life insurance designed to help customers manage out-of-pocket expenses. Aflac operates through two segments: Aflac Japan, selling through agencies and banks, and Aflac U.S., distributing individual and group supplemental policies.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Aflac Inc stock.
Slightly undervalued: intrinsic value $140.75 per share, market price $118.67, margin of safety 15.7% (as of 2026-10-19).
Book value at 2.50x, the multiple a 16.9% return on equity justifies, blended with earnings, values the shares at $140.75; the price of $118.67 is 16% below that value.
Leak Score: 54/100 on 11 of 12 signals (Weak Signal).
17 more funds hold it; the full list is part of the paid plan.
All 18 Insurance - Life stocks
AFL is slightly undervalued (as of the 2026-10-19 close). Book value at 2.50x, the multiple a 16.9% return on equity justifies, blended with earnings, values the shares at $140.75; the price of $118.67 is 16% below that value.
$140.75 per share (as of the 2026-10-19 close), against a market price of $118.67. That is a margin of safety of 15.7%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
The price needs roughly the return the bank already earns. Return on equity the price needs: 13.7%. Return on equity it earns: 16.9%.
54 out of 100, which we rate "Weak Signal", on 11 of 12 value investing signals.