DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 2 minutes ago

AFL·Aflac Incorporated

$.
+. (+.%)
After Hours
High
$118.83
Open
$116.14
Market Cap
59.88B
52W High
$119.81
Low
$114.69
P. Close
$118.26
P/E
12.92
52W Low
$96.95
Fwd P/E
-
DailyIQ Est.
-
Technical Score (1D)
95
BUY
News Sentiment
54
MIXED
Analysts have recently tempered expectations for Aflac, citing limited upside potential in the near term despite the company’s strong year‑long return. This shift follows Aflac’s recent performance, which has eclipsed peers in the broader financial sector over the past year. The caution stems from industry headwinds that are expected to constrain growth prospects, even as the earnings outlook remains steady. Because underwriting volumes are sensitive to regulatory changes, any new policy updates could materially affect Aflac’s revenue trajectory. The near‑term upside is therefore likely to be muted until the company can demonstrate resilience to these headwinds. Investors should watch the upcoming earnings guidance for any signs of improved underwriting performance or cost‑control measures. Additionally, monitoring regulatory developments in the insurance sector will be key to assessing potential impacts on Aflac’s underwriting volumes. Aflac’s exposure to the financial sector means that broader market sentiment and interest‑rate movements could also influence its valuation. If regulatory changes are favorable, they could lift underwriting volumes and provide a catalyst for the stock. Conversely, adverse policy shifts could further dampen growth expectations, reinforcing the current cautious stance.
Earnings Summary
Aflac Incorporated is a prominent provider of supplemental insurance products, operating significantly in both the United States and Japan, offering policies that complement existing health and life insurance. The company's business spans various insurance solutions, including cancer, medical, and life insurance in Japan, and accident, disability, critical illness, dental, vision, and life insurance in the U.S., distributing through a diverse network. In the most recent reporting period, Q1 2026, Aflac reported actual EPS of $1.75 against an estimate of $1.8334, and actual revenue of $4.242 billion against an estimate of $4.2496 billion, indicating a slight miss on both metrics. This follows a Q4 2025 where actual EPS was $1.57 against an estimate of $1.7117, with actual revenue of $4.866 billion exceeding the estimate of $4.3487 billion. Comparing the last two reported quarters (Q4 2025 and Q1 2026) to the two prior quarters (Q2 2025 and Q3 2025), there is a mixed trend; Q2 2025 saw actual EPS of $1.78 beat its estimate of $1.70578, and Q3 2025 saw a significant beat with actual EPS of $2.49 against an estimate of $1.77653, while revenue figures for these earlier quarters were not provided. The recent performance shows a deceleration in EPS beats compared to the prior two quarters, with Q4 2025 and Q1 2026 both missing analyst EPS expectations. Historically, Aflac has demonstrated a pattern of revenue growth, as seen in Q4 2025's strong revenue beat, even when EPS estimates were missed. The company has a history of missing revenue estimates, making the Q4 2025 performance a notable exception. Recent news highlights Aflac's expansion of its "Check for Cancer" initiative and its recognition as Corporate Partner of the Year by the American Cancer Society, underscoring its commitment to public health and preventive care. However, analysis also points to potential headwinds, including contracting net premiums earned over five years and projected sales declines, alongside a prospectus filed for a significant resale of shares. Moving forward, investors will be watching for stabilization in revenue trends and continued commentary on the impact of its health initiatives, particularly in light of the recent EPS misses and potential market supply increases.

EPS

EstBeatMiss
$1.43$1.73$2.03$2.33$2.63Q1'25Q2'25Q3'25Q4'25Q1'26
QtrEstActual+/−
Q1'26$1.83$1.75-4.5%
Q4'25$1.71$1.57-8.3%
Q3'25$1.78$2.49+40.2%
Q2'25$1.71$1.78+4.4%
Q1'25$1.67$1.66-0.8%

Revenue

EstBeatMiss
$4.1B$4.4B$4.6B$4.8B$5.0BQ1'25Q2'25Q3'25Q4'25Q1'26
QtrEstActual+/−
Q1'26$4.2B$4.2B-0.2%
Q4'25$4.3B$4.9B+11.9%
Q3'25 - $4.4B -
Q2'25 - $4.5B -
Q1'25 - $4.3B -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
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Market Data

AFL Stock Snapshot

AFL is currently trading at $118.24, giving Aflac Incorporated a market cap of 59.88B and a P/E ratio of 12.9. Today's range spans $114.69–$118.83, with shares opening at $116.14 and moving down $0.02 (0.0%) from the prior close. DailyIQ's technical score sits at 95/100 (BUY) with a news sentiment reading of 54/100.

Over the past year AFL has traded between $96.95 and $119.81 - the current price is +22.0% off the 52-week low and -1.3% from the high.

Aflac Incorporated (AFL) is a large-cap in Financial Services with 59.88B in market cap, and the current setup is one of the cleaner bullish reads in the space. Technical score: 95/100 (BUY). Sentiment: neutral at 54/100. Price: $118.24 (near 52-week highs). The current P/E ratio stands at 12.9. The 52-week range of $96.95–$119.81 provides structural context - and the current technical/sentiment alignment is the type of setup that attracts both momentum and growth-oriented capital.

What makes AFL's BUY setup (95/100) particularly actionable at 59.88B in Financial Services capitalization is the scale-to-move ratio: large enough to feature on institutional mandates but not so large that the percentage upside is already compressed by index inertia. At $118.24 (near 52-week highs in $96.95–$119.81), with sentiment running neutral at 54/100, the setup rewards conviction-sized positioning more than it does speculative small bets.