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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.52
AFL's Cash to Debt is ranked higher than
68% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. AFL: 0.52 )
AFL' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 0.52

Equity to Asset 0.12
AFL's Equity to Asset is ranked higher than
88% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. AFL: 0.12 )
AFL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.12

0.08
0.14
Interest Coverage 16.44
AFL's Interest Coverage is ranked higher than
83% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.85 vs. AFL: 16.44 )
AFL' s 10-Year Interest Coverage Range
Min: 15.05   Max: 9999.99
Current: 16.44

15.05
9999.99
F-Score: 4
Z-Score: 0.71
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 20.12
AFL's Operating margin (%) is ranked higher than
96% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.21 vs. AFL: 20.12 )
AFL' s 10-Year Operating margin (%) Range
Min: 7.94   Max: 20.12
Current: 20.12

7.94
20.12
Net-margin (%) 13.19
AFL's Net-margin (%) is ranked higher than
95% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.80 vs. AFL: 13.19 )
AFL' s 10-Year Net-margin (%) Range
Min: 4.79   Max: 13.19
Current: 13.19

4.79
13.19
ROE (%) 21.60
AFL's ROE (%) is ranked higher than
97% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.65 vs. AFL: 21.60 )
AFL' s 10-Year ROE (%) Range
Min: 11.55   Max: 21.6
Current: 21.6

11.55
21.6
ROA (%) 2.60
AFL's ROA (%) is ranked higher than
96% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.61 vs. AFL: 2.60 )
AFL' s 10-Year ROA (%) Range
Min: 1.38   Max: 2.63
Current: 2.6

1.38
2.63
ROC (Joel Greenblatt) (%) 1001.25
AFL's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 281.43 vs. AFL: 1001.25 )
AFL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 89.24   Max: 1001.25
Current: 1001.25

89.24
1001.25
Revenue Growth (%) 5.30
AFL's Revenue Growth (%) is ranked higher than
79% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.90 vs. AFL: 5.30 )
AFL' s 10-Year Revenue Growth (%) Range
Min: 2   Max: 13.4
Current: 5.3

2
13.4
EBITDA Growth (%) 11.70
AFL's EBITDA Growth (%) is ranked higher than
85% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.70 vs. AFL: 11.70 )
AFL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 25.5
Current: 11.7

0
25.5
EPS Growth (%) 11.20
AFL's EPS Growth (%) is ranked higher than
82% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. AFL: 11.20 )
AFL' s 10-Year EPS Growth (%) Range
Min: -3.5   Max: 30.3
Current: 11.2

-3.5
30.3
» AFL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

AFL Guru Trades in Q1 2013

Jim Simons 1,064,800 sh (New)
Paul Tudor Jones 10,300 sh (New)
David Dreman 47,473 sh (New)
John Hussman 3,500 sh (+66.67%)
Jeremy Grantham 586,200 sh (+27.63%)
John Rogers 1,404,130 sh (+25.28%)
Joel Greenblatt 6,059 sh (+24.31%)
Bill Nygren 3,093,000 sh (+8.15%)
Ronald Muhlenkamp Sold Out
Jeff Auxier 68,620 sh (-0.07%)
RS Investment Management 543,274 sh (-22.32%)
Pioneer Investments 1,704,030 sh (-46.97%)
Steven Cohen 1,122 sh (-95.79%)
» More
Q2 2013

AFL Guru Trades in Q2 2013

Ray Dalio 62,148 sh (New)
John Hussman 605,000 sh (+17185.7%)
Steven Cohen 113,025 sh (+9973.53%)
RS Investment Management 651,774 sh (+19.97%)
Bill Nygren 3,210,000 sh (+3.78%)
Jeremy Grantham 594,029 sh (+1.34%)
Joel Greenblatt 6,080 sh (+0.35%)
Jeff Auxier 68,620 sh (unchged)
Paul Tudor Jones Sold Out
John Rogers 1,400,110 sh (-0.29%)
David Dreman 47,184 sh (-0.61%)
Pioneer Investments 1,646,991 sh (-3.35%)
Jim Simons 416,200 sh (-60.91%)
» More
Q3 2013

AFL Guru Trades in Q3 2013

John Keeley 40,810 sh (New)
George Soros 40,000 sh (New)
RS Investment Management 787,174 sh (+20.77%)
Ray Dalio 70,648 sh (+13.68%)
John Rogers 1,430,215 sh (+2.15%)
Joel Greenblatt 6,106 sh (+0.43%)
Bill Nygren 3,210,000 sh (unchged)
Jeff Auxier 68,620 sh (unchged)
Jim Simons Sold Out
Pioneer Investments 1,635,793 sh (-0.68%)
David Dreman 46,753 sh (-0.91%)
Steven Cohen 99,987 sh (-11.54%)
Jeremy Grantham 508,523 sh (-14.39%)
John Hussman 455,000 sh (-24.79%)
» More
Q4 2013

AFL Guru Trades in Q4 2013

Paul Tudor Jones 3,090 sh (New)
Caxton Associates 45,400 sh (New)
John Rogers 1,459,565 sh (+2.05%)
John Keeley 40,870 sh (+0.15%)
Bill Nygren 3,210,000 sh (unchged)
Jeff Auxier 68,620 sh (unchged)
Ray Dalio Sold Out
Joel Greenblatt 6,091 sh (-0.25%)
RS Investment Management 777,974 sh (-1.17%)
Pioneer Investments 1,596,688 sh (-2.39%)
Jeremy Grantham 446,641 sh (-12.17%)
George Soros 25,000 sh (-37.5%)
David Dreman 28,752 sh (-38.5%)
Steven Cohen 37,668 sh (-62.33%)
John Hussman 5,000 sh (-98.9%)
» More
» Details

Insider Trades

Latest Guru Trades with AFL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2013-12-31 Reduce -98.9%1.48%$62.15 - $67.48 $ 61.63-6%5000
David Dreman 2013-12-31 Reduce -38.5%0.1%$62.15 - $67.48 $ 61.63-6%28752
Ray Dalio 2013-12-31 Sold Out 0.04%$62.15 - $67.48 $ 61.63-6%0
George Soros 2013-12-31 Reduce -37.5%0.01%$62.15 - $67.48 $ 61.63-6%25000
John Hussman 2013-09-30 Reduce -24.79%0.4%$56.6 - $63.54 $ 61.632%455000
John Keeley 2013-09-30 New Buy0.05%$56.6 - $63.54 $ 61.632%40810
George Soros 2013-09-30 New Buy0.03%$56.6 - $63.54 $ 61.632%40000
John Hussman 2013-06-30 Add 17185.7%1.59%$48.9 - $58.2 $ 61.6314%605000
Ray Dalio 2013-06-30 New Buy0.03%$48.9 - $58.2 $ 61.6314%62148
Ronald Muhlenkamp 2013-03-31 Sold Out 2.8%$48.65 - $54.07 $ 61.6320%0
David Dreman 2013-03-31 New Buy0.07%$48.65 - $54.07 $ 61.6320%47473
Joel Greenblatt 2013-03-31 Add 24.31%$48.65 - $54.07 $ 61.6320%6059
John Hussman 2013-03-31 Add 66.67%$48.65 - $54.07 $ 61.6320%3500
Premium More recent guru trades are included for Premium Members only!!
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Top Ranked Articles about Aflac Inc

Aflac Announces Increased Share Repurchases and Boosts Dividends
Aflac (AFL), one of the largest insurers and most familiar brands in American insurance, enhanced its financial reputation this week by increasing its dividend and announcing that it would be spending more on stock repurchases in the near future. Read more...
Financial Services – Some Fly in Challenged Sector
This year the financial sector is contending with many challenges, including hundreds of new regulatory rules from the Dodd-Frank reform and a fresh wave of cyber attacks. According to a report from The Agari Trust Index, email phishing attacks on financial sector companies are up 122% in the last three months. In a nutshell, the Dodd-Frank legislation was created to “promote the financial stability of the United States by improving accountability and transparency in the financial system, to end 'too big to fail,' to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes.” Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 8.90
AFL's P/E(ttm) is ranked higher than
93% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.80 vs. AFL: 8.90 )
AFL' s 10-Year P/E(ttm) Range
Min: 4.72   Max: 28.06
Current: 8.9

4.72
28.06
P/B 2.00
AFL's P/B is ranked higher than
51% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.48 vs. AFL: 2.00 )
AFL' s 10-Year P/B Range
Min: 1.15   Max: 4.66
Current: 2

1.15
4.66
P/S 1.20
AFL's P/S is ranked lower than
54% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. AFL: 1.20 )
AFL' s 10-Year P/S Range
Min: 0.37   Max: 2.09
Current: 1.2

0.37
2.09
PFCF 2.70
AFL's PFCF is ranked higher than
84% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.59 vs. AFL: 2.70 )
AFL' s 10-Year PFCF Range
Min: 1.17   Max: 7.72
Current: 2.7

1.17
7.72
EV-to-EBIT 6.80
AFL's EV-to-EBIT is ranked higher than
87% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.84 vs. AFL: 6.80 )
AFL' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 20.2
Current: 6.8

3.3
20.2
PEG 0.50
AFL's PEG is ranked higher than
83% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. AFL: 0.50 )
AFL' s 10-Year PEG Range
Min: 0.34   Max: 8.2
Current: 0.5

0.34
8.2
Shiller P/E 12.60
AFL's Shiller P/E is ranked higher than
87% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.35 vs. AFL: 12.60 )
AFL' s 10-Year Shiller P/E Range
Min: 4.65   Max: 31.64
Current: 12.6

4.65
31.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
AFL's Dividend Yield is ranked higher than
59% of the 126 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.21 vs. AFL: 2.30 )
AFL' s 10-Year Dividend Yield Range
Min: 0.73   Max: 7.44
Current: 2.3

0.73
7.44
Dividend Payout 0.21
AFL's Dividend Payout is ranked higher than
84% of the 120 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.34 vs. AFL: 0.21 )
AFL' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.37
Current: 0.21

0.11
0.37
Dividend growth (3y) 7.60
AFL's Dividend growth (3y) is ranked higher than
76% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.60 vs. AFL: 7.60 )
AFL' s 10-Year Dividend growth (3y) Range
Min: 6.2   Max: 29.7
Current: 7.6

6.2
29.7
Yield on cost (5-Year) 3.30
AFL's Yield on cost (5-Year) is ranked higher than
54% of the 127 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.30 vs. AFL: 3.30 )
AFL' s 10-Year Yield on cost (5-Year) Range
Min: 1   Max: 10.24
Current: 3.3

1
10.24
Share Buyback Rate 0.40
AFL's Share Buyback Rate is ranked higher than
86% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.60 vs. AFL: 0.40 )
AFL' s 10-Year Share Buyback Rate Range
Min: 3.1   Max: 0
Current: 0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.00
AFL's Price/Tangible Book is ranked higher than
58% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.80 vs. AFL: 2.00 )
AFL' s 10-Year Price/Tangible Book Range
Min: 1.56   Max: 4.08
Current: 2

1.56
4.08
Price/DCF (Projected) 0.20
AFL's Price/DCF (Projected) is ranked higher than
92% of the 111 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. AFL: 0.20 )
AFL' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 0.61
Current: 0.2

0.19
0.61
Price/Median PS Value 0.90
AFL's Price/Median PS Value is ranked higher than
89% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. AFL: 0.90 )
AFL' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 1.47
Current: 0.9

0.39
1.47
Price/Peter Lynch Fair Value 0.40
AFL's Price/Peter Lynch Fair Value is ranked higher than
97% of the 36 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. AFL: 0.40 )
AFL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 3.45
Current: 0.4

0.43
3.45
Price/Graham Number 0.90
AFL's Price/Graham Number is ranked higher than
78% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. AFL: 0.90 )
AFL' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 2.25
Current: 0.9

0.77
2.25
Earnings Yield (Greenblatt) 14.70
AFL's Earnings Yield (Greenblatt) is ranked higher than
90% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. AFL: 14.70 )
AFL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 30.4
Current: 14.7

4.9
30.4
Forward Rate of Return (Yacktman) 45.35
AFL's Forward Rate of Return (Yacktman) is ranked higher than
96% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.40 vs. AFL: 45.35 )
AFL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17.5   Max: 67.3
Current: 45.35

17.5
67.3

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:8686.Japan, AFL.Germany
Aflac Inc. was incorporated in 1973 under the laws of the state of Georgia. It is a general business holding company and acts as a management company, overseeing the operations of its subsidiaries by providing management services and making capital available. The Company and its subsidiaries mainly sell supplemental health and life insurance in the United States and Japan. The Company's insurance business is marketed and administered through American Family Life Assurance Company of Columbus 'Aflac', which operates in the United States 'Aflac U.S.' and as a branch in Japan 'Aflac Japan'. Most of Aflac's policies are individually underwritten and marketed through independent agents. The insurance operations in the United States and its branch in Japan service the two markets for its insurance business. The Company acts as an underwriter of individually issued policies marketed at worksites. It continues to diversify its product offerings in both Japan and the United States. Aflac Japan sells supplemental insurance products, including cancer plans, general medical indemnity plans, medical/sickness riders, care plans, living benefit life plans, ordinary life insurance plans and annuities. Aflac U.S. sells supplemental insurance products, including accident/disability plans, cancer expense plans, short-term disability plans, sickness and hospital indemnity plans, hospital intensive care plans, fixed-benefit dental plans, vision care plans, long-term care plans, and life insurance products. Aflac Japan's insurance products are designed to help consumers pay for medical and nonmedical costs that are not reimbursed under Japan's national health insurance system. Aflac Japan's stand-alone medical product, EVER, offers a basic level of hospitalization coverage with an affordable premium. The cancer insurance plans it offers in Japan provide a lump-sum benefit upon initial diagnosis of internal cancer and a fixed daily benefit for hospitalization and outpatient services related to cancer as well as surgical, convalescent and terminal care benefits. It also offer traditional fixed-income annuities and care policies. The Company has designed the U.S. insurance products to provide supplemental coverage for people who already have major medical or primary insurance coverage. Aflac U.S. offers an accident and disability policy to protect against losses resulting from accidents. The accident portion of the policy includes lump-sum benefits for accidental death, dismemberment and specific injuries as well as fixed benefits for hospital confinement. The U.S. cancer plans are designed to provide insurance benefits for medical and nonmedical costs that are not covered by major medical insurance. Aflac U.S. offers a specified health event policy that gives consumers a choice of three benefit and premium levels. Aflac U.S. offers Vision NowSM, which provides benefits for serious eye health conditions and loss of sight. It offers a series of fixed-bene

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Calmcat
ReplyCalmcat - 3 months ago
3 yr avg eps, 10% growth, 3% terminal, 12% discount.

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