AFL

Aflac Inc

$121.44 -0.05 (-0.04%) At close · Jul 8

Market Cap

$61.81B

508,984,904

Equibles Rating blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Weak Quant / Vol Very Low

Market backdrop VIX 16.9 · calm Equity put/call 0.86

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +8%

above

Price vs 50-day avg +4%

above

RSI (14) 62

neutral

MACD trend Positive

52-week position 95%

near high

Volume (OBV) Bearish div.

distributing

Momentum

relative strength

Very Strong

1-month return +5%

trailing

6-month return +13%

trailing

YTD return +11%

this year

Relative strength +6%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $116 › 200d $112 — 50d above 200d

Institutional flow Accumulating

66 of 1,657 funds reported for Jun 30 · net +390.6K sh shares · +3 new

Insider flow Distributing

Net -$64.2M over 90 days · 100% sells

Short interest Rising

2.09% of float · ▲ +17.1% MoM · 4.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

1,657 holders — near 3-yr high, broad support

Squeeze score 64

elevated · 0–100

Fundamentals

Weak

Revenue growth −9%

Y/Y

EPS growth −29%

Y/Y

Valuation P/E 13.9

in line

Balance sheet $6.2B

net cash

Quant / Vol

risk profile

Very Low

Volatility 17%

annualized · 1-yr

Max drawdown −9%

past year

ATR 1.9%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Up next

Next earnings call

Aug 7, 2026 Scheduled · in 4 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed May 6, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Technicals

trend & momentum for long-term holders Buy

1 · 2 · 4

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+8% Bullish

Price vs 50-day avg

+4% Bullish

RSI (14)

62 Neutral

MACD trend

Positive Bullish

52-week position

95% Bullish

Volume (OBV)

Bearish div. Bearish

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $116 › 200d $112 — 50d above 200d

Institutional flow Accumulating

66 of 1,657 funds reported for Jun 30 · net +390.6K sh shares · +3 new

Insider flow Distributing

Net -$64.2M over 90 days · 100% sells

Short interest Rising

2.09% of float · ▲ +17.1% MoM · 4.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

1,657 holders — near 3-yr high, broad support

Price context

position in its 52-week range

52-wk low $95 Now $121 · 95% 52-wk high $123

vs 200-day avg +8% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings

Metric	Latest	Period	YoY
adjusted book value per share increase (excluding foreign currency remeasurement) non-GAAP	0.2%	the first quarter call	—
adjusted earnings per diluted share (excluding foreign currency) non-GAAP	$1.77	the first quarter call	—
adjusted leverage non-GAAP	21.2%	the quarter call	—
adjusted net investment income decrease in the U.S. non-GAAP	-0.5%	the quarter call	—
adjusted net investment income in yen terms increase non-GAAP	4%	the quarter call	—
adjusted ROE non-GAAP	12.8%	the first quarter call	—
adjusted ROE excluding foreign currency remeasurement non-GAAP	16.4%	the first quarter call	—
combined RBC	560%	the quarter call	—
decline in net earned premiums in yen terms	-3.8%	the quarter call	—
decline in underlying earned premiums	-1.3%	the quarter call	—
dividends paid	$315M	Q1 call	—
ESR with USP	243%	the quarter call	—
estimated regulatory ESR	227%	the quarter call	—
expense ratio in Japan	19.5%	the quarter call	—
expense ratio in the U.S.	38.3%	the quarter call	—
increase in net earned premium	3.5%	the quarter call	—
persistency	92.8%	the quarter call	—
premium persistency	79.3%	the quarter call	—
pretax margin	20.4%	the quarter call	—
pretax margin for Japan	35%	the quarter call	—
sales increase	25.5%	the first quarter call	—
share repurchases	$1B	Q1 call	—
total benefit ratio	62.9%	the quarter call	—
unencumbered liquidity	$3.4B	the quarter call	—
year-over-year increase in sales	2.9%	the quarter call	—
Adjusted earnings per diluted share non-GAAP	$7.49	the full year	—
Aflac U.S. sales	$551M	the fourth quarter	—
Pretax adjusted profit margin (Japan segment) non-GAAP	36.7%	the full year	—
Pretax adjusted profit margin (U.S. segment) non-GAAP	20.6%	the full year	—
Total new annualized premium sales (Aflac Japan)	74.4B	the full year	—
Total new sales (Aflac U.S.)	$1.6B	the full year	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Insurance - Life — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
AFL Aflac Inc this stock	$61.81B	+10.7%	-9.3%	13.9	2.1%
CILJF China Life Insurance Co Ltd	$104.58B	+7.2%	—	—	0.0%
MFC Manulife Financial Corp	$68.44B	+14.4%	—	—	0.8%
MET Metlife Inc	$57.97B	+15.0%	+8.6%	17.4	2.5%
GWLIF Great-West Lifeco Inc.	$57.61B	+31.0%	—	—	0.3%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

1,657

% held: 64.3%
Reported: 66 of 1,657
Top holder: Japan Post Holdings Co.,…

Held Float

View

Held by Funds

Fund positions

591

View

Short & Settlement

Short Interest Rising

Shares short

10.6M

Days to cover: 4.1d
Change: +1.6M sh

View

Short Volume

Short vol %

62%

As of: Jul 8, 2026

Short Total

View

Fails to Deliver

FTD shares

41.0K

Value: $4.7M
As of: Jun 4, 2026

View

Off-Exchange

Off-exchange %

31.1%

Week of: Jun 15, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$64.2M

Buyers / Sellers: 0 / 7

Buyers Sellers

View

Congressional Trades Sell

Member

Shelley M Capito

Amount: $1.0K–$15.0K
Traded: Jul 18, 2025

View

Financials

Revenue (FY)

$17.2B

Net income (FY): $3.6B
EPS diluted: $6.82

View

Buybacks

Authorized

shares 100.0M

Remaining: shares 105.3M

View

Filings

SEC Filings

Latest

8-K

Filed: Jun 30, 2026
This year: 9

View

Proposed Sales

Value

$1.4M

Shares: 12.4K
Filed: Jun 22, 2026

View

Earnings & Events

Earnings Calls Upcoming

Next call

Aug 7, 2026

Last call: Apr 29, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
AFL	+3.6%	+5.4%	+13.1%	+3.6%	+10.7%
SPY	-0.2%	+0.8%	+7.4%	-0.2%	+9.3%
vs SPY	+3.8%	+4.5%	+5.6%	+3.8%	+1.4%

Capital returns

Latest dividend

$0.61 / share · ex May 20, 2026

Raised 5.2%

Paid (TTM)

$2.38 / share · 4 payouts

Dividend yield (TTM, derived)

1.96%

Buyback program · as of Mar 31, 2026

Authorized

shares 100.00M

Spent (derived)

—

Remaining

shares 105.30M

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 4977 CUSIP 001055102 13F (30d) 118 filings 69 filers Visit website Investor relations

AFL

Price & Indicators

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns