Switch to:

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 0.88
AFL's Cash to Debt is ranked higher than
74% of the 160 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. AFL: 0.88 )
AFL' s 10-Year Cash to Debt Range
Min: 0.23   Max: No Debt
Current: 0.88

Equity to Asset 0.15
AFL's Equity to Asset is ranked higher than
92% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. AFL: 0.15 )
AFL' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.15
Current: 0.15

0.08
0.15
Interest Coverage 14.17
AFL's Interest Coverage is ranked higher than
83% of the 144 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.17 vs. AFL: 14.17 )
AFL' s 10-Year Interest Coverage Range
Min: 14.17   Max: 9999.99
Current: 14.17

14.17
9999.99
F-Score: 6
Z-Score: 0.74
WACC vs ROIC
8.93%
15.83%
WACC
ROIC
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 (%) 19.76
AFL's Operating margin (%) is ranked higher than
96% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.60 vs. AFL: 19.76 )
AFL' s 10-Year Operating margin (%) Range
Min: 7.94   Max: 20.12
Current: 19.76

7.94
20.12
Net-margin (%) 12.98
AFL's Net-margin (%) is ranked higher than
95% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.85 vs. AFL: 12.98 )
AFL' s 10-Year Net-margin (%) Range
Min: 4.85   Max: 13.19
Current: 12.98

4.85
13.19
ROE (%) 17.55
AFL's ROE (%) is ranked higher than
94% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.07 vs. AFL: 17.55 )
AFL' s 10-Year ROE (%) Range
Min: 11.78   Max: 23.91
Current: 17.55

11.78
23.91
ROA (%) 2.38
AFL's ROA (%) is ranked higher than
97% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. AFL: 2.38 )
AFL' s 10-Year ROA (%) Range
Min: 1.56   Max: 2.6
Current: 2.38

1.56
2.6
ROC (Joel Greenblatt) (%) 967.05
AFL's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 341.36 vs. AFL: 967.05 )
AFL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 132.39   Max: 987.03
Current: 967.05

132.39
987.03
Revenue Growth (3Y)(%) 2.00
AFL's Revenue Growth (3Y)(%) is ranked higher than
74% of the 152 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.80 vs. AFL: 2.00 )
AFL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2   Max: 13.4
Current: 2

2
13.4
EBITDA Growth (3Y)(%) 16.50
AFL's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 153 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.60 vs. AFL: 16.50 )
AFL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 25.5
Current: 16.5

0
25.5
EPS Growth (3Y)(%) 15.90
AFL's EPS Growth (3Y)(%) is ranked higher than
89% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.70 vs. AFL: 15.90 )
AFL' s 10-Year EPS Growth (3Y)(%) Range
Min: -3.5   Max: 25.3
Current: 15.9

-3.5
25.3
» AFL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

AFL Guru Trades in Q1 2014

Jim Simons 269,974 sh (New)
Ray Dalio 40,986 sh (New)
Paul Tudor Jones 10,196 sh (+229.97%)
David Dreman 45,759 sh (+59.15%)
Steven Cohen 42,096 sh (+11.76%)
RS Investment Management 854,774 sh (+9.87%)
John Rogers 1,495,118 sh (+2.44%)
Joel Greenblatt 6,124 sh (+0.54%)
Bill Nygren 3,210,000 sh (unchged)
Jeff Auxier 68,620 sh (unchged)
George Soros Sold Out
John Hussman Sold Out
Caxton Associates Sold Out
John Keeley 39,040 sh (-4.48%)
Pioneer Investments 930,976 sh (-41.69%)
Jeremy Grantham 253,343 sh (-43.28%)
» More
Q2 2014

AFL Guru Trades in Q2 2014

Paul Tudor Jones 22,581 sh (+121.47%)
Ray Dalio 56,586 sh (+38.06%)
Jim Simons 353,100 sh (+30.79%)
Bill Nygren 3,560,000 sh (+10.9%)
Jeff Auxier 70,170 sh (+2.26%)
RS Investment Management 859,274 sh (+0.53%)
John Keeley 39,040 sh (unchged)
Joel Greenblatt Sold Out
Pioneer Investments 922,908 sh (-0.87%)
John Rogers 1,413,052 sh (-5.49%)
David Dreman 34,611 sh (-24.36%)
Jeremy Grantham 140,100 sh (-44.7%)
» More
Q3 2014

AFL Guru Trades in Q3 2014

Joel Greenblatt 4,360 sh (New)
Ray Dalio 155,685 sh (+175.13%)
Jim Simons 709,200 sh (+100.85%)
Bill Nygren 4,670,000 sh (+31.18%)
Paul Tudor Jones 29,158 sh (+29.13%)
Jeff Auxier 77,770 sh (+10.83%)
John Rogers 1,504,452 sh (+6.47%)
David Dreman 34,693 sh (+0.24%)
John Keeley 39,040 sh (unchged)
RS Investment Management 859,274 sh (unchged)
Jeremy Grantham 138,600 sh (-1.07%)
» More
Q4 2014

AFL Guru Trades in Q4 2014

Joel Greenblatt 5,025 sh (+15.25%)
John Rogers 1,639,462 sh (+8.97%)
Bill Nygren 5,070,000 sh (+8.57%)
John Keeley 39,050 sh (+0.03%)
Jim Simons Sold Out
Paul Tudor Jones Sold Out
RS Investment Management Sold Out
Jeff Auxier 77,670 sh (-0.13%)
David Dreman 34,266 sh (-1.23%)
Jeremy Grantham 116,500 sh (-15.95%)
Ray Dalio 59,985 sh (-61.47%)
» More
» Details

Insider Trades

Latest Guru Trades with AFL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Bill Nygren 2014-12-31 Add 8.57%0.14%$55.8 - $62 $ 62.255%5070000
Ray Dalio 2014-12-31 Reduce -61.47%0.04%$55.8 - $62 $ 62.255%59985
Bill Nygren 2014-09-30 Add 31.18%0.43%$57.86 - $63.93 $ 62.252%4670000
Ray Dalio 2014-09-30 Add 175.13%0.05%$57.86 - $63.93 $ 62.252%155685
Joel Greenblatt 2014-09-30 New Buy$57.86 - $63.93 $ 62.252%4360
Bill Nygren 2014-06-30 Add 10.9%0.16%$60.83 - $64.02 $ 62.250%3560000
David Dreman 2014-06-30 Reduce -24.36%0.05%$60.83 - $64.02 $ 62.250%34611
Ray Dalio 2014-06-30 Add 38.06%0.01%$60.83 - $64.02 $ 62.250%56586
Joel Greenblatt 2014-06-30 Sold Out 0.01%$60.83 - $64.02 $ 62.250%0
David Dreman 2014-03-31 Add 59.15%0.08%$60.72 - $66.8 $ 62.25-2%45759
John Hussman 2014-03-31 Sold Out 0.02%$60.72 - $66.8 $ 62.25-2%0
Ray Dalio 2014-03-31 New Buy0.02%$60.72 - $66.8 $ 62.25-2%40986
George Soros 2014-03-31 Sold Out 0.01%$60.72 - $66.8 $ 62.25-2%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Aflac Inc

June 2014 Value Idea Contest Announcement
June 2014 Value Idea Contest Announcement Read more...
Aflac: An Opportunity During This Dip
Aflac (AFL), the insurance company, has appeared on GuruFocus Undervalued Predictable screens lately, most recently on June 23, 2014. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 9.60
AFL's P/E(ttm) is ranked higher than
97% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.20 vs. AFL: 9.60 )
AFL' s 10-Year P/E(ttm) Range
Min: 4.72   Max: 25.17
Current: 9.6

4.72
25.17
Forward P/E 9.64
AFL's Forward P/E is ranked higher than
91% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.74 vs. AFL: 9.64 )
N/A
PE(NRI) 9.60
AFL's PE(NRI) is ranked higher than
96% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.20 vs. AFL: 9.60 )
AFL' s 10-Year PE(NRI) Range
Min: 4.72   Max: 25.29
Current: 9.6

4.72
25.29
P/B 1.53
AFL's P/B is ranked higher than
78% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.66 vs. AFL: 1.53 )
AFL' s 10-Year P/B Range
Min: 1.15   Max: 4.66
Current: 1.53

1.15
4.66
P/S 1.24
AFL's P/S is ranked higher than
74% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.86 vs. AFL: 1.24 )
AFL' s 10-Year P/S Range
Min: 0.37   Max: 2.09
Current: 1.24

0.37
2.09
POCF 4.31
AFL's POCF is ranked higher than
85% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.54 vs. AFL: 4.31 )
AFL' s 10-Year POCF Range
Min: 1.17   Max: 7.72
Current: 4.31

1.17
7.72
EV-to-EBIT 6.18
AFL's EV-to-EBIT is ranked higher than
92% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.61 vs. AFL: 6.18 )
AFL' s 10-Year EV-to-EBIT Range
Min: 3.2   Max: 18
Current: 6.18

3.2
18
PEG 0.60
AFL's PEG is ranked higher than
96% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. AFL: 0.60 )
AFL' s 10-Year PEG Range
Min: 0.34   Max: 8.2
Current: 0.6

0.34
8.2
Shiller P/E 11.49
AFL's Shiller P/E is ranked higher than
95% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 27.57 vs. AFL: 11.49 )
AFL' s 10-Year Shiller P/E Range
Min: 4.6   Max: 30.38
Current: 11.49

4.6
30.38
Days Sales Outstanding 13.52
AFL's Days Sales Outstanding is ranked higher than
95% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. AFL: 13.52 )
AFL' s 10-Year Days Sales Outstanding Range
Min: 10.87   Max: 20.29
Current: 13.52

10.87
20.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.44
AFL's Dividend Yield is ranked higher than
61% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.13 vs. AFL: 2.44 )
AFL' s 10-Year Dividend Yield Range
Min: 0.77   Max: 7.44
Current: 2.44

0.77
7.44
Dividend Payout 0.23
AFL's Dividend Payout is ranked higher than
87% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.38 vs. AFL: 0.23 )
AFL' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.37
Current: 0.23

0.11
0.37
Dividend growth (3y) 6.80
AFL's Dividend growth (3y) is ranked higher than
78% of the 119 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.40 vs. AFL: 6.80 )
AFL' s 10-Year Dividend growth (3y) Range
Min: 6.2   Max: 29.7
Current: 6.8

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 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.11 vs. AFL: 3.30 )
AFL' s 10-Year Yield on cost (5-Year) Range
Min: 1.06   Max: 10.24
Current: 3.3

1.06
10.24
Share Buyback Rate 1.10
AFL's Share Buyback Rate is ranked higher than
89% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.70 vs. AFL: 1.10 )
AFL' s 10-Year Share Buyback Rate Range
Min: 2.7   Max: 0
Current: 1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.53
AFL's Price/Tangible Book is ranked higher than
83% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.39 vs. AFL: 1.53 )
AFL' s 10-Year Price/Tangible Book Range
Min: 1.28   Max: 4.3
Current: 1.53

1.28
4.3
Price/DCF (Projected) 1.91
AFL's Price/DCF (Projected) is ranked higher than
77% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.25 vs. AFL: 1.91 )
AFL' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 2.66
Current: 1.91

0.37
2.66
Price/Median PS Value 0.98
AFL's Price/Median PS Value is ranked higher than
89% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. AFL: 0.98 )
AFL' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 1.6
Current: 0.98

0.47
1.6
Price/Peter Lynch Fair Value 0.61
AFL's Price/Peter Lynch Fair Value is ranked higher than
95% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. AFL: 0.61 )
AFL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 3.09
Current: 0.61

0.43
3.09
Price/Graham Number 0.81
AFL's Price/Graham Number is ranked higher than
91% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.31 vs. AFL: 0.81 )
AFL' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 2.25
Current: 0.81

0.77
2.25
Earnings Yield (Greenblatt) 16.20
AFL's Earnings Yield (Greenblatt) is ranked higher than
92% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.70 vs. AFL: 16.20 )
AFL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.5   Max: 30.8
Current: 16.2

5.5
30.8
Forward Rate of Return (Yacktman) 15.71
AFL's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 144 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.69 vs. AFL: 15.71 )
AFL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.5   Max: 34
Current: 15.71

4.5
34

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 or Aflac, which operates in the United States 'Aflac U.S.' and as a branch in Japan 'Aflac Japan'. 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 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 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-benefit dental policies,
» More Articles for AFL

Headlines

Articles On GuruFocus.com
Best Insurance Stocks Paying Good Dividends Feb 21 2015 
Three Stocks Below Peter Lynch Earning Line Feb 09 2015 
I Continue Recommend Adding Aflac to a Diversified Portfolio Jan 22 2015 
Dividend Jan 17 2015 
9 High Rated, Lower Debt Dividend Stocks With A Reasonable Payout Jan 13 2015 
9 Most Undervalued Dividend Stocks On The Market Dec 24 2014 
Dividend Aristocrats In Focus Part 36: AFLAC Nov 09 2014 
With a Promising Return, I Would Add Aflac to my Portfolio Oct 03 2014 
6 Cheap Dividend Aristocrats With High Growth Predicted Sep 21 2014 
Two Insurance Stocks On My Radar Sep 17 2014 

More From Other Websites
Final Glance: Insurance companies Feb 27 2015
Midday Glance: Insurance companies Feb 27 2015
Early Glance: Insurance companies Feb 27 2015
AFLAC INC Files SEC form 10-K, Annual Report Feb 26 2015
AFLAC INC Files SEC form 8-K, Other Events Feb 26 2015
MetLife’s US Retail business becomes a profitable franchise Feb 26 2015
MetLife is a leading player in the US insurance industry Feb 26 2015
MetLife is delivering well in the strategy front Feb 25 2015
MetLife – A globally diversified insurance company Feb 25 2015
Aflac Incorporated to Present at the Raymond James 36th Annual Institutional Investors Conference Feb 24 2015
Aflac Incorporated to Present at the Raymond James 36th Annual Institutional Investors Conference Feb 24 2015
Employers Holdings' Q4 Earnings Top on Expense Control - Analyst Blog Feb 19 2015
Fed seems terrified to raise rates Feb 18 2015
Aflac Launches New Critical Care Protection Plan Feb 17 2015
Aflac Launches New Critical Care Protection Plan Feb 17 2015
How key drivers impact insurance sales Feb 12 2015
Aflac Incorporated Announces Appointment of New Board Member Thomas J. Kenny Feb 11 2015
AFLAC INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and... Feb 10 2015
Aflac Names Ex-Goldman Fund Manager Kenny to Board of Directors Feb 10 2015
Aflac Incorporated Announces Appointment of New Board Member Thomas J. Kenny Feb 10 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK