Aflac Incorporated (AFL) Stock Price, News, Analysis

Technical Score (1D)

SELL

News Sentiment

MIXED

Aflac’s (AFL) valuation has been highlighted in a recent market commentary that compares it to peers in the finance sector, noting that AFL trades at a modest multiple relative to its industry. The piece does not report any new earnings releases or guidance updates, so there is no immediate catalyst to alter the stock’s price trajectory over the next 1–10 trading days. The valuation context suggests that AFL remains fairly priced within the broader insurance and financial services space, which could keep it on a neutral path if sector dynamics stay unchanged. Because the commentary frames AFL as neither over‑ or under‑valued, the stock is unlikely to experience a sharp move unless a new earnings report or regulatory change emerges. Investors should monitor the upcoming earnings announcement for any surprise in revenue or profit margins, as that could shift the valuation narrative. Additionally, keep an eye on broader insurance sector sentiment, particularly any shifts in interest rates or regulatory scrutiny that could affect underwriting profitability. Finally, watch for any macroeconomic data that might influence consumer confidence and insurance demand, which could indirectly impact AFL’s performance.

AFL|Analyst Targets

LOW TARGET

$99 -15.0%

6 analysts

MEAN TARGET

$119 +1.7%

16 analysts

HIGH TARGET

$138 +18.4%

2 analysts

PRICE RANGE

$99.00 - $138.00

SB / B / H / S / SS

1/2/12/7/2

DAILYIQ EST.

$113.78 (-2.3%)

AFL|Company Info

Sector

Financial Services

Industry

Insurance - Life

Exchange

NYQ

Country

United States

Website

aflac.com

Symbol

AFL

Description

Aflac Incorporated is a provider of supplemental insurance products, operating primarily in the United States and Japan. The company's core business revolves around offering policies that supplement existing health and life insurance coverage. In Japan, Aflac provides a range of insurance solutions, including cancer, medical, and life insurance products. Within the United States, the company focuses on accident, disability, and critical illness policies, alongside dental, vision, and life insurance offerings. Aflac distributes its products through a diverse network of agencies, banks, and brokers, ensuring broad market access. Established in 1955, the company is headquartered in Columbus, Georgia.

AFL|Insider Trading

Bought (1Y)

0 shares

Sold (1Y)

1,091,374 shares

$127.9M

Koide MasatoshiPres. and Rep. Director, ALIJ

Option Exercise3,201 shares2026-09-16

Koide MasatoshiPres. and Rep. Director, ALIJ

Sell10,000 shares2026-09-16

Koide MasatoshiPres. and Rep. Director, ALIJ

Sell3,201 shares2026-09-16

Koide MasatoshiPres. and Rep. Director, ALIJ

Option Exercise3,201 shares2026-09-16

Japan Post Holdings Co., Ltd.-

Sell10,814 shares2026-09-16

AFL|Fundamentals

Neutral / mixed

Verdict: Neutral

✕Revenue declining year over year

✓Positive net margin

✓Positive operating cash flow

Net Margin

21.2%

Revenue CAGR

0.6%

Return on Equity

12.4%

AFL|Earnings Snapshot

Earnings Summary

Aflac Incorporated is a supplemental insurance provider operating primarily in the United States and Japan, offering accident, disability, critical illness, dental, vision, and life policies through a broad agency network. The company’s business model centers on steady premium streams and a diversified distribution strategy that supports its long‑term dividend policy. In recent quarters, Aflac’s revenue has shown modest growth, rising from $4.317 billion in Q4 2024 to $4.536 billion in Q2 2025, a 5.3% increase, while EPS moved from $1.56 in Q4 2024 to $1.78 in Q2 2025, a 14.5% rise, indicating improving profitability. The insurer beat estimates in Q2 2025 and Q3 2025, with EPS of $1.78 and $2.49 versus expectations of $1.706 and $1.777, respectively, but missed guidance in Q4 2025 where EPS of $1.57 fell short of the $1.712 estimate despite a revenue beat of $4.866 billion versus $4.348 billion. Historically, Aflac has maintained a consistent YoY revenue growth trajectory of roughly 4–6% over the past three years, with EPS growth outpacing revenue in most periods, reflecting effective cost control. The company’s recent news highlights ESG initiatives, such as a volunteer bed‑building event and a $200 million charitable contribution milestone, which reinforce brand equity but are unlikely to materially affect earnings. CFO Max Broden’s comments on Japan’s elevated interest rates and investment repositioning suggest a cautious approach to foreign‑currency exposure that could modestly dampen investment income in the near term. Investors should watch the upcoming earnings release for confirmation of premium growth assumptions, monitor any further analyst target revisions, and keep an eye on Japan’s interest rate trajectory, as it may influence the insurer’s investment income and net‑income margins in the next quarter.

Read full report

EPS

EstBeatMiss

Qtr	Est	Actual	+/−
Q3'26	$1.79	-	-
Q2'26	$1.79	$1.75	-2.0%
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%

Revenue

EstBeatMiss

Qtr	Est	Actual	+/−
Q3'26	$4.1B	-	-
Q2'26	$4.2B	$4.2B	+0.5%
Q1'26	$4.2B	$4.2B	-0.2%
Q4'25	$4.3B	$4.9B	+11.9%
Q3'25	-	$4.4B	-
Q2'25	-	$4.5B	-

Full Earnings BreakdownEstimates, actuals, guidance, and historical context

→

AFL|Monthly Returns

Market Data

AFL Stock Snapshot

SELL23/100

$116.50+$0.16 (0.1%)

Market cap: 58.32B
P/E ratio: 12.0
Day range: $115.10 – $116.82
News sentiment: 53/100 · Neutral
Analyst target: $118.53 (+1.7%)
Consensus: Hold · 24 analysts

52-week range+10.5% off low · -10.5% from high

$105.42$130.22

Price $116.50 DailyIQ Est. $113.78

AFL is on the weaker side of its setup, with little confirmation for a reversal yet. Institutional coverage is thorough here, so shifts in analyst expectations show up in price quickly.

Behaviour On Record

What AFL's own history says about today's numbers

Realized volatility (21d): 15.1% 31st pct
Below its peak: -10.6%
vs 200-day average: +1.4%
Up days (1y): 48%

Aflac Incorporated is currently running 15.1% annualised volatility over the last 21 sessions. Measured against AFL's own 13 years of daily returns rather than a market-wide average, that is the 31st percentile — on the quiet side for this stock, against a typical reading of 18.1%. The distinction matters because a number that looks calm for one stock is turbulent for another, and the absolute figure on its own tells you neither.

AFL is trading -10.6% below its running peak. Across 12 full years on file, its median worst-drawdown-in-a-year was -13.6%, and the deepest was -52.7% in 2020. The current pullback is therefore shallower than what this stock gives back in a typical year, which is context worth having before treating it as a dislocation.

Price sits +1.4% from its 200-day moving average. Against every other day in its history, that gap ranks at the 31st percentile — close to the gap it normally carries. Over the past year AFL closed higher on 48% of sessions, and it is currently 3 sessions into a falling streak.

On September specifically: over 13 years of records, AFL finished the month higher 7 of 13 times, with a median return of +0.3% and an average of -0.4%. Its strongest month historically has been November at +5.2% on average, its weakest December at -0.5%. Seasonality is a weak signal on its own — a decade is a small sample and regimes change — but it is a real distribution rather than a rule of thumb.

Overnight risk is measurable too: AFL has opened more than 2% away from the prior close in 84 of 3,266 sessions (2.6% of the time), with the largest gaps running +6.3% and -5.3%. For anyone holding through an event, that rate is a better guide to overnight exposure than the intraday range.

Across the last 3 dated reports on file, AFL moved an average of 1.8% in the session after earnings, closing higher 2 of those 3 times, with a median move of +0.8% and a largest of +4.3%.

All figures computed from 3,267 daily closes between 2013-09-20 and 2026-09-18, split-adjusted, recomputed daily. Percentiles are against AFL's own 13-year history, not a peer group or index.

Sector Rotation

Is money rotating into or out of AFL's sector?

Aflac Incorporated sits in the Financials sector, currently ranked 5th of 11 GICS sectors by relative-strength rotation score (lagging). Within its narrower Insurance industry group, AFL ranks 5th of 15 tracked industries, improving.

Sector rank: #5 of 11
Sector state: Lagging
Sector rotation score: 50
Industry rank: #5 of 15

Options Market

What is the options market pricing for AFL?

CallsPuts

For Aflac Incorporated's nearest expiry (2026-09-25, 5 days out), open interest is call-heavy, a bullish tilt (put/call ratio of 0.39), with at-the-money implied volatility around 27.0%. The options market is pricing roughly a ±2.9% move by that expiry — a range of about $114.02–$120.82.

Put/call ratio (2026-09-25): 0.39
ATM implied volatility: 27.0%
Total open interest: 666
Expected move by 2026-09-25: ±2.9% ($114.02–$120.82)

Analyst Rating Changes

Are analysts turning bullish or bearish on AFL?

Wolfe Research most recently initiated coverage on Aflac Incorporated to Underperform on Aug 19, 2026 with a price target of $103. Over the last 90 days, coverage has run 0 upgrades against 0 downgrades, a net mixed lean.

Latest action: Wolfe Research — Underperform
90-day upgrades: 0
90-day downgrades: 0
Net rating momentum: 0

Date	Firm	Action	Rating	Price target
Aug 19, 2026	Wolfe Research	Initiated	Underperform	$103
Aug 19, 2026	Wells Fargo	Maintained	Equal-Weight	$120 → $122
Aug 11, 2026	JP Morgan	Maintained	Neutral	$117 → $116
Aug 11, 2026	Keefe, Bruyette & Woods	Maintained	Market Perform	$120 → $125
Aug 10, 2026	Piper Sandler	Maintained	Overweight	$130 → $138
Aug 10, 2026	Mizuho	Maintained	Underperform	$112 → $116
Aug 7, 2026	Barclays	Maintained	Underweight	$98 → $99
Jul 22, 2026	TD Cowen	Maintained	Hold	$101 → $110
Jul 21, 2026	JP Morgan	Maintained	Neutral	$108 → $117
Jul 13, 2026	Evercore ISI Group	Maintained	Underperform	$109 → $115
Jul 13, 2026	Keefe, Bruyette & Woods	Maintained	Market Perform	$115 → $120
Jul 10, 2026	Jefferies	Maintained	Hold	$100 → $108

AFL Competitive Positioning

Aflac Incorporated (AFL) is tracked alongside these names in Insurance - Life on DailyIQ — ranked by market cap, with today's move alongside.

AFLyou're hereAflac Incorporated$58.3B+0.14%
METMetLife, Inc.$61.7B-0.01%
PRUPrudential Financial, Inc.$40.6B-0.03%
GLGlobe Life Inc.$13.2B+0.01%

Held by These ETFs

AFL is a top holding in these ETFs tracked on DailyIQ — bar length shows portfolio weight.

News Sentiment Analysis

Sentiment gathered from recent headlines

53/100

Strong NegativeNeutralStrong Positive

MIXED

Recent News Coverage

Most recent articles, ranked by recency (click to expand).

10+ articles

What did this article say?

Aflac reported Q2 net earnings of $825 million, a 37.7% increase, driven largely by reduced investment losses. However, adjusted earnings fell 7.7% to $883 million, largely due to a weaker yen and higher Japanese operating costs. The divergence suggests that while headline earnings are strong, underlying profitability is under pressure, especially in the Japanese market. Investors should weigh the adjusted metric more heavily when assessing future earnings potential.

What did this article say?

Aflac Inc. (AFL) is noted in the article as trading at a multiple, but no specific earnings guidance, product launch, or regulatory change is cited. The piece focuses mainly on Globe Life’s performance and broader industry comparisons, with AFL mentioned only as a reference point. Consequently, there is no material driver identified for AFL, and the stock’s valuation appears to be in line with its peers. Traders should monitor any forthcoming earnings release or capital allocation decisions for potential impact.

What did this article say?

Jim Cramer described Aflac as neither expensive nor high-growth, emphasizing its stable earnings and low risk profile. The insurer posted a Q2 net earnings rise to $825 million from $599 million, driven by lower investment losses. Capital return programs remain robust, with $1.3 billion in share buybacks and dividends. The commentary suggests a modest positive outlook, but no material catalyst is evident.

What did this article say?

AFL employees organized a volunteer event in Columbus, Georgia, where they assembled beds for the nonprofit Sleep in Heavenly Peace, aiming to eliminate child sleep‑on‑the‑floor situations. The initiative highlights AFL’s community‑service ethos and reinforces its brand as a socially responsible insurer. While the project does not directly impact earnings or capital structure, it may enhance customer loyalty and public perception, potentially supporting premium growth. The event demonstrates AFL’s capacity to mobilize staff for charitable causes, a factor that could influence future ESG ratings. Investors should monitor any subsequent corporate social responsibility disclosures for signs of broader community‑investment strategies.

What did this article say?

During the KBW Insurance Conference, Aflac’s CFO Max Broden highlighted the company’s exposure to Japan’s high interest rates and noted recent investment repositioning in the second quarter. He indicated potential further adjustments in the third quarter, suggesting a cautious approach to capital allocation. The discussion did not reveal any earnings guidance changes or material operational shifts, but it underscored Aflac’s focus on managing foreign currency and interest rate risks.

What did this article say?

Aflac announced it has exceeded $200 million in donations to the Aflac Cancer and Blood Disorders Center of Children’s Healthcare of Atlanta, marking a 30‑year commitment to childhood cancer and sickle cell disease. The milestone reflects the company’s long‑standing philanthropic focus rather than a direct financial impact on earnings or guidance. The announcement may enhance brand perception and stakeholder goodwill, potentially supporting future sales and agent recruitment. Investors should monitor any subsequent corporate social responsibility initiatives that could influence customer acquisition costs or regulatory scrutiny.

What did this article say?

Aflac Incorporated (AFL) is a large-cap insurer with a $61.7 billion market cap, headquartered in Columbus, Georgia. The company specializes in supplemental insurance covering out‑of‑pocket medical expenses, including cancer and critical illness coverage. Aflac’s competitive advantage stems from its strong brand, established distribution network, and leadership in the Japanese market. The article provides a comparative overview of Aflac’s performance relative to other insurance stocks but does not indicate any new catalysts or material changes.

What did this article say?

Aflac has announced a new partnership with Artists Equity, the studio founded by Ben Affleck, Matt Damon and Gerry Cardinale, to launch a 360‑brand advertising campaign featuring Affleck and the Aflac Duck. The collaboration will produce a series of commercials directed by Affleck, blending entertainment with brand messaging. The move is intended to refresh Aflac’s image and leverage Affleck’s star power to reach broader audiences. While the partnership is primarily a marketing initiative, it could enhance brand perception and drive customer acquisition, potentially supporting future revenue growth. The campaign’s success will depend on audience reception and the effectiveness of the integrated media rollout.

Technical Analysis

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SELL

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Institutional & Hedge Fund Ownership

25 tracked managers · $17.47B combined position · 12 adding, 12 trimming, 1 unchanged (latest 13F filings)

Manager	Trend	Shares Held	% of Co.	Position Value	Filed
Vanguard Group Inc	▲ Buy	57,142,072	11.41%	$6.30B	2026-01-29
BlackRock, Inc.	▼ Sell	34,915,032	6.97%	$4.09B	2026-08-07
Geode Capital Management, LLC	▼ Sell	10,600,232	2.12%	$1.24B	2026-08-12
Wells Fargo & Company	▼ Sell	8,640,137	1.73%	$1.01B	2026-08-14
Morgan Stanley	▲ Buy	8,040,706	1.61%	$942.77M	2026-08-13
Northern Trust Corp	▼ Sell	6,282,869	1.26%	$736.67M	2026-08-13
Goldman Sachs Group Inc	▲ Buy	5,407,301	1.08%	$634.01M	2026-08-14
Invesco Ltd.	▼ Sell	4,016,736	0.80%	$470.96M	2026-08-14
JPMorgan Chase & Co	▲ Buy	2,926,452	0.58%	$351.41M	2026-08-12
Norges Bank	▼ Sell	2,758,685	0.55%	$323.46M	2026-08-12
Bank of America Corp	▼ Sell	2,085,422	0.42%	$244.52M	2026-08-14
FMR LLC (Fidelity)	▲ Buy	1,437,756	0.29%	$168.58M	2026-08-13
Two Sigma Investments, LP	▲ Buy	1,357,635	0.27%	$159.18M	2026-08-14
Citadel Advisors LLC	• Hold	1,002,791	0.20%	$117.58M	2026-09-02
Susquehanna International Group, LLP	▼ Sell	973,786	0.19%	$114.18M	2026-08-14
Citigroup Inc	▲ Buy	758,687	0.15%	$88.96M	2026-08-03
AQR Capital Management LLC	▲ Buy	649,847	0.13%	$76.19M	2026-08-14
Renaissance Technologies LLC	▼ Sell	593,300	0.12%	$69.56M	2026-08-13
Squarepoint Ops LLC	▲ Buy	584,287	0.12%	$68.51M	2026-08-14
Millennium Management LLC	▲ Buy	554,047	0.11%	$64.96M	2026-08-14
Gotham Asset Management, LLC	▲ Buy	483,900	0.10%	$56.74M	2026-08-14
AllianceBernstein L.P.	▼ Sell	496,823	0.10%	$54.51M	2026-08-14
D. E. Shaw & Co., Inc.	▲ Buy	272,646	0.05%	$31.97M	2026-08-14
Prudential Financial Inc	▼ Sell	248,903	0.05%	$29.18M	2026-08-12
Marshall Wace, LLP	▼ Sell	217,941	0.04%	$25.55M	2026-08-13

Q2 2026 flow:3.52M sh bought ($413.67M)5.97M sh sold ($699.44M)net -2.45M sh (−$285.77M)

Congressional Trading Activity

1 disclosed trades · ~$8.0K est. traded value · 1 buys, 0 sells

Member	Chamber	State	Type	Amount	Traded	Filed
Carol Devine Miller	House	WV01	▲ Buy	$1K - $15K	2025-03-10	2025-04-11

AFL·Aflac Incorporated

EPS

Revenue

AFL Stock Snapshot

What AFL's own history says about today's numbers

Is money rotating into or out of AFL's sector?

What is the options market pricing for AFL?

Are analysts turning bullish or bearish on AFL?

AFL Competitive Positioning

Held by These ETFs

News Sentiment Analysis

Recent News Coverage

Technical Analysis

Real-time indicators across multiple timeframes

News Sentiment Analysis

Recent News Coverage

Technical Analysis

Real-time indicators across multiple timeframes

Market Status

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Portfolio

Email Alerts

Portfolio News

Economic Events

Earnings Events

Economic News

AFL·Aflac Incorporated

EPS

Revenue

AFL Stock Snapshot

What AFL's own history says about today's numbers

Is money rotating into or out of AFL's sector?

What is the options market pricing for AFL?

Are analysts turning bullish or bearish on AFL?

AFL Competitive Positioning

Held by These ETFs

News Sentiment Analysis

Recent News Coverage

Technical Analysis

Real-time indicators across multiple timeframes

Discover More

News Sentiment Analysis

Recent News Coverage

Technical Analysis

Real-time indicators across multiple timeframes

Discover More

Market Status

Recently Viewed

Portfolio

Email Alerts

Portfolio News

Economic Events

Earnings Events

Economic News