AFL · Aflac Inc
$116.51
-5.22 (-4.29%)
At close · Aug 19
Market Cap
$61.03B
Shares
501.34M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$116.51
Open$120.01
Day$116.00–121.05
52W close$105.62–129.55
Avg vol 30d2.0M
Short int12.3M · 2.5% float · 6.1d
Short vol46%
Last earningsNov 5, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 5, 2026
Scheduled
· in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Weak
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−4%
below
RSI (14)
32
neutral
MACD trend
Negative
52-week position
46%
mid-range
Momentum
relative strength
1-month return
−6%
trailing
6-month return
+2%
trailing
YTD return
+6%
this year
Relative strength
−9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $122 › 200d $114 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +154 funds added
Insider flow
Distributing
Net -$2.1M over 90 days · 100% sells
Short interest
Falling
2.46% of float · ▼ -1.2% MoM · 6.1 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
1,694 holders — near 3-yr high, broad support
Squeeze score
55
elevated · 0–100
Fundamentals
Revenue growth
−9%
Y/Y
EPS growth
−29%
Y/Y
Valuation
P/E 13.1
below peers
Balance sheet
$2.1B
net debt
Quant / Vol
risk profile
Volatility
17%
annualized · 1-yr
Max drawdown
−10%
past year
ATR
2.0%
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.
Guidance & track record
Latest guidance
· from the 8-K filed Aug 6, 2026
Net earned premium CAGR
· 2025-2027
3% – 6%
Prior guidance
period ended
· from the 8-K filed Nov 4, 2025
Pretax profit margin
· 2025
35% – 38%
Benefit Ratio (Aflac Japan)
· 2025 Estimated Ranges
58% – 60%
Expense Ratio (Aflac Japan)
· 2025 Estimated Ranges
20% – 23%
Pretax Profit Margin (Aflac Japan)
· 2025 Estimated Ranges
35% – 38%
Expense Ratio (Aflac U.S.)
· 2025 Estimated Ranges
36% – 39%
Pretax Profit Margin (Aflac U.S.)
· 2025 Estimated Ranges
17% – 20%
Benefit Ratio (Aflac U.S.)
· 2025 Estimated Ranges
48% – 52%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
32
Neutral
MACD trend
Negative
Bearish
52-week position
46%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $122 › 200d $114 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +154 funds added
Insider flow
Distributing
Net -$2.1M over 90 days · 100% sells
Short interest
Falling
2.46% of float · ▼ -1.2% MoM · 6.1 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
1,694 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $106
Now $117 · 46%
Range high $130
vs 200-day avg +2%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 12-Mo. Rolling Premium Persistency | 79.4% | 2 (2026) | — |
| Adjusted book value non-GAAP | $27.63B | June 30, 2026 | — |
| Adjusted debt non-GAAP | $7.79B | June 30, 2026 | — |
| Adjusted debt to adjusted capitalization non-GAAP | 25.3% | June 30, 2026 | — |
| Adjusted earnings non-GAAP | 1.78B | six months ended June 30, 2026 | — |
| Adjusted earnings excluding current period foreign currency impact non-GAAP | 1.82B | six months ended June 30, 2026 | — |
| Adjusted earnings per diluted share non-GAAP | $3.5 | six months ended June 30, 2026 | — |
| Adjusted earnings per diluted share excluding current period foreign currency impact non-GAAP | $3.57 | six months ended June 30, 2026 | — |
| Adjusted Leverage Ratio non-GAAP | 21.8% | 2Q26 | — |
| Adjusted ROE non-GAAP | 16.6% | 2Q26 | — |
| Adjusted ROE ex Foreign Currency Remeasurement non-GAAP | 12.7% | 2Q26 | — |
| Aflac Inc. unencumbered liquidity | $3.3B | 2Q26 | — |
| Aflac Japan pretax adjusted profit margin non-GAAP | 34.3% | 2Q26 | — |
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| Aflac Japan total new annualized premium sales | ¥19.6B | 2Q26 | — |
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| Aflac U.S. pretax adjusted profit margin non-GAAP | 20.9% | 2Q26 | — |
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| Aflac U.S. sales | $349M | 2Q26 | — |
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| Annualized adjusted return on equity excluding foreign currency remeasurement non-GAAP | 16.6% | 2Q26 | — |
| Annualized Premiums In Force | $6.8B | 2 (2026) | — |
| Annualized return on average shareholders' equity | 10.9% | 2Q26 | — |
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| Benefit Ratio | 49.5% | 2Q26 | — |
| Dividends | $309M | 2Q26 | — |
| Expense Ratio | 36.1% | 2Q26 | — |
| New Annualized Premiums Sales | $349M | 2 (2026) | — |
| Portfolio repositioned through switch trades | $4.8B | 2Q26 | — |
| Pretax adjusted earnings non-GAAP | $733M | 6 Months Ended June 30, 2026 | — |
| Pretax Profit Margin non-GAAP | 20.9% | 2Q26 | — |
| Regulatory ESR | 226% | 2Q26 | — |
| Regulatory ESR with USP | 240% | 2Q26 | — |
| Share Repurchase | $983M | 2Q26 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Life — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AFL
this stock
Aflac Inc
|
$61.03B | +5.7% | -9.3% | 13.1 | 2.5% |
|
CILJF
China Life Insurance Co Ltd
|
$97.80B | +0.4% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$73.51B | +19.7% | — | — | 0.8% |
|
MET
Metlife Inc
|
$61.44B | +20.5% | +8.6% | 18.5 | 1.8% |
|
GWLIF
Great-West Lifeco Inc.
|
$58.30B | +31.6% | — | — | 0.4% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AFL | -3.5% | -5.7% | +2.2% | -8.6% | +5.7% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.1% | -8.6% | -9.3% | -11.6% | -7.1% |
Capital returns
Latest dividend
$0.61
/ share · ex Aug 19, 2026
Paid (TTM)
$2.41
/ share · 4 payouts
Dividend yield (TTM, derived)
2.07%
Buyback program
· as of Jun 30, 2026
Authorized
shares 100.00M
Spent (derived)
shares 3.20M
Remaining
shares 96.80M
Spent
Remaining
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)
1429 filings
1385 filers
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