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54.95 (1y: +37%)
Market Cap 25.67 B P/E(ttm) 8.70
Enterprise Value 29.95 B P/B 1.61
AFL- NYSE (USA)
Aflac Inc
  • Currently 5/5
Business Predictability Rank: 5-Star
Back Testing Results:
Average gain of all 5-Star stocks: 12.1% per year.
% of Stocks that are in still loss if held for 10yrs: 3%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$54.95
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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 : 6/10

vs
industry		 vs
history
Cash to Debt 0.192
AFL's Cash to Debt is ranked lower than
1785713% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.85 vs. AFL: 0.192 )
AFL' s 10-Year Cash to Debt Range
Min: 0.19   Max: 2.67
Current: 0.19
0.19
2.67
Equity to Asset 0.122
AFL's Equity to Asset is ranked lower than
1785713% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. AFL: 0.122 )
AFL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.12
0.08
0.14
Interest Coverage 16.5
AFL's Interest Coverage is ranked lower than
1999998% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.80 vs. AFL: 16.5 )
AFL' s 10-Year Interest Coverage Range
Min: 15   Max: 120
Current: 16.5
15
120
F-Score: 4
Z-Score: 0.68
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 : 8/10

vs
industry		 vs
history
Operating margin (%) 17.00
AFL's Operating margin (%) is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.20 vs. AFL: 17.00 )
AFL' s 10-Year Operating margin (%) Range
Min: 9.2   Max: 17.3
Current: 17
9.2
17.3
Net-margin (%) 11.3
AFL's Net-margin (%) is ranked lower than
1851850% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.40 vs. AFL: 11.3 )
AFL' s 10-Year Net-margin (%) Range
Min: 6.6   Max: 11.3
Current: 11.3
6.6
11.3
ROE (%) 17.9
AFL's ROE (%) is ranked lower than
1851850% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.20 vs. AFL: 17.9 )
AFL' s 10-Year ROE (%) Range
Min: 12   Max: 21.2
Current: 17.9
12
21.2
ROA (%) 2.2
AFL's ROA (%) is ranked lower than
1851850% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. AFL: 2.2 )
AFL' s 10-Year ROA (%) Range
Min: 1.5   Max: 2.6
Current: 2.2
1.5
2.6
ROC (Joel Greenblatt) (%) 149.60
AFL's ROC (Joel Greenblatt) (%) is ranked lower than
14285700% of the 7 Companies
in the Global Insurance - Life industry.

( Industry Median: 149.60 vs. AFL: 149.60 )
AFL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 149.6   Max: 257.2
Current: 149.6
149.6
257.2
Revenue Growth (%) 8.6
AFL's Revenue Growth (%) is ranked lower than
3333330% of the 30 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. AFL: 8.6 )
AFL' s 10-Year Revenue Growth (%) Range
Min: 4.9   Max: 9.9
Current: 8.6
4.9
9.9
EBITDA Growth (%) 17.8
AFL's EBITDA Growth (%) is ranked lower than
3225803% of the 31 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.60 vs. AFL: 17.8 )
AFL' s 10-Year EBITDA Growth (%) Range
Min: -2.5   Max: 17.8
Current: 17.8
-2.5
17.8
EPS Growth (%) 17.6
AFL's EPS Growth (%) is ranked lower than
3333330% of the 30 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.60 vs. AFL: 17.6 )
AFL' s 10-Year EPS Growth (%) Range
Min: -2.7   Max: 18.5
Current: 17.6
-2.7
18.5
» AFL's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

AFL Guru Trades in Q2 2012

Jeremy Grantham 165,000 sh (+134.04%)
Ray Dalio 46,307 sh (+76.7%)
Jeff Auxier 69,270 sh (+69.28%)
Pioneer Investments 1,886,295 sh (+12.84%)
Paul Tudor Jones 12,600 sh (+8.62%)
John Rogers 1,837,051 sh (+6.7%)
Bill Nygren 2,500,000 sh (+4.17%)
Jim Simons 1,529,600 sh (+3.35%)
Richard Perry Sold Out
Steven Cohen Sold Out
Ronald Muhlenkamp 248,255 sh (-0.05%)
RS Investment Management 1,749,887 sh (-22.03%)
» More
Q3 2012

AFL Guru Trades in Q3 2012

Joel Greenblatt 5,209 sh (New)
Pioneer Investments 2,833,410 sh (+50.21%)
Jeremy Grantham 230,100 sh (+39.45%)
Bill Nygren 2,700,000 sh (+8%)
Ray Dalio Sold Out
Jim Simons Sold Out
Ronald Muhlenkamp 247,660 sh (-0.24%)
Jeff Auxier 68,470 sh (-1.15%)
John Rogers 1,332,431 sh (-27.47%)
RS Investment Management 976,848 sh (-44.18%)
Paul Tudor Jones 5,700 sh (-54.76%)
» More
Q4 2012

AFL Guru Trades in Q4 2012

John Hussman 2,100 sh (New)
Steven Cohen 26,677 sh (New)
Pioneer Investments 3,213,603 sh (+13.42%)
Bill Nygren 2,860,000 sh (+5.93%)
Jeff Auxier 68,670 sh (+0.29%)
Jeremy Grantham 459,300 sh (unchged)
Paul Tudor Jones Sold Out
Ronald Muhlenkamp 245,135 sh (-1.02%)
Joel Greenblatt 4,874 sh (-6.43%)
John Rogers 1,120,811 sh (-15.88%)
RS Investment Management 699,394 sh (-28.4%)
» More
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
» Details

Insider Trades

Latest Guru Trades with AFL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ronald Muhlenkamp 2013-03-31 Sold Out 2.8%$48.65 - $54.07 $ 54.957%0
David Dreman 2013-03-31 New Buy0.07%$48.65 - $54.07 $ 54.957%47473
Joel Greenblatt 2013-03-31 Add 24.31%$48.65 - $54.07 $ 54.957%6059
John Hussman 2013-03-31 Add 66.67%$48.65 - $54.07 $ 54.957%3500
John Hussman 2012-12-31 New Buy$47.53 - $54.7 $ 54.957%2100
Ray Dalio 2012-09-30 Sold Out 0.03%$41.26 - $49.66 $ 54.9522%0
Joel Greenblatt 2012-09-30 New Buy0.02%$41.26 - $49.66 $ 54.9522%5209
Richard Perry 2012-06-30 Sold Out 0.03%$38.36 - $46.16 $ 54.9531%0
Ray Dalio 2012-06-30 Add 76.7%0.01%$38.36 - $46.16 $ 54.9531%46307
John Hussman 2012-03-31 Sold Out 0.35%$43.18 - $49.98 $ 54.9527%0
Ray Dalio 2012-03-31 Reduce -69.56%0.04%$43.18 - $49.98 $ 54.9527%26207
Richard Perry 2012-03-31 New Buy0.03%$43.18 - $49.98 $ 54.9527%14700
Ronald Muhlenkamp 2011-12-31 New Buy2.2%$33.57 - $46.77 $ 54.9531%247845
Ray Dalio 2011-12-31 Reduce -81.94%0.2%$33.57 - $46.77 $ 54.9531%86107
Vanguard Health Care Fund 2011-12-31 Sold Out 0.1%$33.57 - $46.77 $ 54.9531%0
John Hussman 2011-12-31 Reduce -25.93%0.1%$33.57 - $46.77 $ 54.9531%500000
John Hussman 2011-09-30 New Buy0.38%$31.46 - $47.4 $ 54.9539%675000
Vanguard Health Care Fund 2011-09-30 New Buy0.1%$31.46 - $47.4 $ 54.9539%500000
Ray Dalio 2011-09-30 Add 28.88%0.06%$31.46 - $47.4 $ 54.9540%476807
George Soros 2011-06-30 Sold Out $44.3 - $57 $ 54.959%0
George Soros 2011-03-31 Add 412.82%0.01%$50.45 - $59.28 $ 54.95-2%20000
Mario Gabelli 2011-03-31 Sold Out $50.45 - $59.28 $ 54.95-2%0
PRIMECAP Management 2010-12-31 Sold Out 0.03%$51.45 - $57.85 $ 54.950%0
Mario Gabelli 2010-12-31 Add 28.31%0.01%$51.45 - $57.85 $ 54.950%213000
David Dreman 2010-12-31 Sold Out 0.01%$51.45 - $57.85 $ 54.950%0
George Soros 2010-12-31 Reduce -47.3%$51.45 - $57.85 $ 54.950%3900
PRIMECAP Management 2010-09-30 Reduce -49.46%0.01%$43.12 - $53.61 $ 54.9512%408700
Ronald Muhlenkamp 2010-06-30 Sold Out 3.81%$40.48 - $56.56 $ 54.9515%0
Tom Gayner 2010-03-31 Sold Out 0.34%$45.95 - $54.82 $ 54.959%0
Meridian Funds 2010-03-31 Sold Out 0.02%$45.95 - $54.82 $ 54.959%0
George Soros 2010-03-31 New Buy0.01%$45.95 - $54.82 $ 54.959%6900
David Dreman 2010-03-31 Reduce -48.32%$45.95 - $54.82 $ 54.959%6764
Premium More recent guru trades are included for Premium Members only!!

Top Ranked Articles about Aflac Inc

Aflac - Value Idea Contest
July 16, 2012
- Aflac - Value Idea Contest
This is my first submission to the value contest. Seeing AFLAC (AFL) at the top of the Undervalued-Predictable screener got me very interested. I’m an engineer and I invest as a hobby. I’ve never had occasion to dig deep into the workings of an insurance company, so this was a bit of a learning experience for me. Here’s what I’ve learned about Aflac. Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 8.50
AFL's P/E(ttm) is ranked lower than
1818180% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.30 vs. AFL: 8.50 )
AFL' s 10-Year P/E(ttm) Range
Min: 4.7   Max: 31.74
Current: 8.5
4.7
31.74
P/B 1.60
AFL's P/B is ranked lower than
1724136% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. AFL: 1.60 )
AFL' s 10-Year P/B Range
Min: 1.16   Max: 4.8
Current: 1.6
1.16
4.8
P/S 1.02
AFL's P/S is ranked lower than
1694914% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.72 vs. AFL: 1.02 )
AFL' s 10-Year P/S Range
Min: 0.37   Max: 2.09
Current: 1.02
0.37
2.09
PFCF 1.70
AFL's PFCF is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.11 vs. AFL: 1.70 )
AFL' s 10-Year PFCF Range
Min: 1.19   Max: 7.19
Current: 1.7
1.19
7.19
EV-to-EBIT 6.8
AFL's EV-to-EBIT is ranked lower than
1851850% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.21 vs. AFL: 6.8 )
AFL' s 10-Year EV-to-EBIT Range
Min: 3.3   Max: 57.4
Current: 6.8
3.3
57.4
PEG 0.4
AFL's PEG is ranked lower than
4347822% of the 23 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.76 vs. AFL: 0.4 )
AFL' s 10-Year PEG Range
Min: 0.13   Max: 12.82
Current: 0.4
0.13
12.82
Shiller P/E 12.1
AFL's Shiller P/E is ranked lower than
100% of the Companies
in the Global Insurance - Life industry.

( Industry Median: vs. AFL: 12.1 )
AFL' s 10-Year Shiller P/E Range
Min: 4.6   Max: 30.47
Current: 12.1
4.6
30.47

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.51
AFL's Dividend Yield is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.13 vs. AFL: 2.51 )
AFL' s 10-Year Dividend Yield Range
Min: 0.45   Max: 7.44
Current: 2.51
0.45
7.44
Dividend Payout 0.2147
AFL's Dividend Payout is ranked lower than
2222220% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. AFL: 0.2147 )
AFL' s 10-Year Dividend Payout Range
Min: 0.13   Max: 0.37
Current: 0.21
0.13
0.37
Dividend growth (3y) 4.6
AFL's Dividend growth (3y) is ranked lower than
4347822% of the 23 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.10 vs. AFL: 4.6 )
AFL' s 10-Year Dividend growth (3y) Range
Min: 4.6   Max: 21.5
Current: 4.6
4.6
21.5
Yield on cost (5-Year) 3.66
AFL's Yield on cost (5-Year) is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.74 vs. AFL: 3.66 )
AFL' s 10-Year Yield on cost (5-Year) Range
Min: 0.66   Max: 10.88
Current: 3.66
0.66
10.88

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 52.3
AFL's Price/Net Current Asset Value is ranked lower than
980% of the 25 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.70 vs. AFL: 52.3 )
AFL' s 10-Year Price/Net Current Asset Value Range
Min: 40.6   Max: 116.4
Current: 52.3
40.6
116.4
Price/Tangible Book 1.6
AFL's Price/Tangible Book is ranked lower than
1785713% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.30 vs. AFL: 1.6 )
AFL' s 10-Year Price/Tangible Book Range
Min: 1.5   Max: 4.2
Current: 1.6
1.5
4.2
Price/DCF (Projected) 0.2
AFL's Price/DCF (Projected) is ranked lower than
2857140% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. AFL: 0.2 )
AFL' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.5
Current: 0.2
0.2
0.5
Price/Median PS Value 0.7
AFL's Price/Median PS Value is ranked lower than
1754384% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. AFL: 0.7 )
AFL' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.3
Current: 0.7
0.6
1.3
Price/Peter Lynch Fair Value 0.5
AFL's Price/Peter Lynch Fair Value is ranked lower than
7692300% of the 13 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. AFL: 0.5 )
AFL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5   Max: 2.2
Current: 0.5
0.5
2.2
Price/Graham Number 0.8
AFL's Price/Graham Number is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. AFL: 0.8 )
AFL' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 2.3
Current: 0.8
0.8
2.3
Earnings Yield (Greenblatt) 14.80
AFL's Earnings Yield (Greenblatt) is ranked lower than
1818180% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.30 vs. AFL: 14.80 )
AFL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 30.4
Current: 14.8
1.7
30.4
Forward Rate of Return (Yacktman) 42.92
AFL's Forward Rate of Return (Yacktman) is ranked lower than
2857140% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 24.10 vs. AFL: 42.92 )
AFL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.9   Max: 152.6
Current: 42.92
16.9
152.6

Business Description

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
Company Website
SEC Reports
Industry: Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF
Traded in other countries:8686.Japan, AFL.Germany
» More Articles for AFL

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