Aflac Incorporated (AFL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Aflac Incorporated stock (AFL) is currently trading at $107.21. Aflac Incorporated PE ratio is 15.72. Aflac Incorporated PS ratio (Price-to-Sales) is 3.27. Analyst consensus price target for AFL is $113.00. WallStSmart rates AFL as Hold.
- AFL PE ratio analysis and historical PE chart
- AFL PS ratio (Price-to-Sales) history and trend
- AFL intrinsic value — DCF, Graham Number, EPV models
- AFL stock price prediction 2025 2026 2027 2028 2029 2030
- AFL fair value vs current price
- AFL insider transactions and insider buying
- Is AFL undervalued or overvalued?
- Aflac Incorporated financial analysis — revenue, earnings, cash flow
- AFL Piotroski F-Score and Altman Z-Score
- AFL analyst price target and Smart Rating
Aflac Incorporated
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AFL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Aflac Incorporated (AFL)
AFL trades 151% above its Graham fair value of $46.38, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Aflac Incorporated (AFL) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Aflac Incorporated (AFL) Key Strengths (6)
Keeps $34 of every $100 in revenue after operating costs
Keeps $21 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Good growth relative to its price
Trading at 1.86x book value, attractively priced
59.73% held by institutions, strong professional interest
Supporting Valuation Data
Aflac Incorporated (AFL) Areas to Watch (4)
Revenue declining -9.90%, a shrinking business
Earnings declining -22.90%, profits shrinking
Moderate profitability with room for improvement
Revenue is fairly priced at 3.27x sales
Aflac Incorporated (AFL) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Market Cap. Valuation metrics including PEG Ratio (1.18), Price/Book (1.86) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 33.60%, Profit Margin at 21.20%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (3.27) suggest expensive pricing. Growth concerns include Revenue Growth at -9.90%, EPS Growth at -22.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -9.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
AFL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
AFL's Price-to-Sales ratio of 3.27x trades at a 29% premium to its historical average of 2.54x (85th percentile). The current valuation is 21% below its historical high of 4.12x set in Apr 2008, and 245% above its historical low of 0.95x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Aflac Incorporated (AFL) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
Aflac Incorporated faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 17.2B with 10% decline year-over-year. Profit margins are strong at 21.2%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 21.2% and operating margin of 33.6% demonstrate strong pricing power and operational efficiency.
Generating 315M in free cash flow and 315M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 10% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Sector dynamics: monitor INSURANCE - LIFE industry trends, competitive moves, and regulatory changes that could impact Aflac Incorporated.
Bottom Line
Aflac Incorporated faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Aflac Incorporated(AFL)
NYSE
FINANCIAL SERVICES
INSURANCE - LIFE
USA
Aflac Inc. (American Family Life Assurance Company) is an American insurance company and is the largest provider of supplemental insurance in the United States.