NYSE:AFL (USA) Also trade in: Germany Japan UK

Aflac Inc

$ 54.55 -0.49 (-0.89%)
Volume: 1,769,554 Avg Vol (1m): 2,977,395
Market Cap $: 40.67 Bil Enterprise Value $: -45,372,660,000.00
P/E (TTM): 13.37 P/B: 1.59
Earnings Power Value -0.67
Net Current Asset Value 0
Tangible Book 34.47
Projected FCF 110.95
Median P/S Value 35.92
Graham Number 56.25
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.67
Cash-To-Debt ranked lower than
78.65% of 89 companies
in the Insurance - Life industry.
Industry Max: 10000, Med: 7.42, Min: 0.03
AFL: 0.67
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.1, Med: 0.71, Max: 2.67
Current: 0.67
0.1
2.67
Equity-to-Asset 0.18
Equity-to-Asset ranked higher than
77.27% of 88 companies
in the Insurance - Life industry.
Industry Max: 0.96, Med: 0.08, Min: 0.01
AFL: 0.18
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.07, Med: 0.12, Max: 0.18
Current: 0.18
0.07
0.18
Debt-to-Equity 0.22
Debt-to-Equity ranked higher than
56.90% of 58 companies
in the Insurance - Life industry.
Industry Max: 4.67, Med: 0.25, Min: 0.01
AFL: 0.22
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.09, Med: 0.22, Max: 0.45
Current: 0.22
0.09
0.45
Debt-to-EBITDA 1.29
Debt-to-EBITDA ranked lower than
51.79% of 56 companies
in the Insurance - Life industry.
Industry Max: 353.5, Med: 1.2, Min: 0.01
AFL: 1.29
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0.82, Med: 1.11, Max: 1.37
Current: 1.29
0.82
1.37
WACC vs ROIC %
ROIC 0%
WACC 4.62%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 14.30
Net Margin ranked higher than
85.23% of 88 companies
in the Insurance - Life industry.
Industry Max: 230, Med: 4.69, Min: -42.48
AFL: 14.3
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 8.2, Med: 12, Max: 21.31
Current: 14.3
8.2
21.31
ROE % 12.95
ROE ranked higher than
86.52% of 89 companies
in the Insurance - Life industry.
Industry Max: 43.9, Med: 10.16, Min: -345.84
AFL: 12.95
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 12.15, Med: 18.86, Max: 23.91
Current: 12.95
12.15
23.91
ROA % 2.19
ROA ranked higher than
86.52% of 89 companies
in the Insurance - Life industry.
Industry Max: 35.24, Med: 0.74, Min: -4.53
AFL: 2.19
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 1.78, Med: 2.23, Max: 3.45
Current: 2.19
1.78
3.45
3-Year Total Revenue Growth Rate 1.40
3-Year Revenue Growth Rate ranked lower than
59.49% of 79 companies
in the Insurance - Life industry.
Industry Max: 49.4, Med: 5.3, Min: -78.8
AFL: 5.2
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -3.7, Med: 9.9, Max: 23.1
Current: 5.2
-3.7
23.1
3-Year Total EBITDA Growth Rate 0.40
3-Year EBITDA Growth Rate ranked lower than
64.47% of 76 companies
in the Insurance - Life industry.
Industry Max: 44.4, Med: 4.5, Min: -60
AFL: 4.2
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: -50, Med: 16.5, Max: 248.4
Current: 4.2
-50
248.4
3-Year EPS w/o NRI Growth Rate 8.80
3-Year EPS w/o NRI Growth Rate ranked higher than
78.67% of 75 companies
in the Insurance - Life industry.
Industry Max: 77.4, Med: 6.4, Min: -62.6
AFL: 8.8
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -3.5, Med: 15.2, Max: 29.9
Current: 8.8
-3.5
29.9

» AFL's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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Business Description

Industry Insurance - Life » Insurance - Life    NAICS : 524114    SIC : 6321
Compare NYSE:PRU SHSE:601601 TSX:MFC NYSE:MET LSE:PRU TSX:GWO GREY:ODMUF LSE:LGEN SHSE:601336 TSE:8750 TSX:PWF XPAR:CNP NAS:PFG NYSE:LNC XKRX:032830 BOM:540777 JSE:SLM TSE:7181 BOM:540719 NYSE:TMK
Traded in other countries 8686.Japan 0H68.UK
Address 1932 Wynnton Road, Columbus, GA, USA, 31999
Aflac offers supplemental health insurance and life insurance in the two largest insurance markets in the world, the U.S. and Japan. In addition to its cancer policies, the company has broadened its product offerings to include accident, disability, and long-term-care insurance. It markets its products through independent distributors, selling most of its policies directly to consumers at their places of work.

Ratios

Current vs industry vs history
PE Ratio (TTM) 13.37
PE Ratio ranked higher than
84.34% of 83 companies
in the Insurance - Life industry.
Industry Max: 868.06, Med: 13.25, Min: 3.08
AFL: 13.37
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 4.7, Med: 10.64, Max: 21.41
Current: 13.37
4.7
21.41
Forward PE Ratio 12.80
Forward P/E ranked lower than
54.55% of 33 companies
in the Insurance - Life industry.
Industry Max: 30.4, Med: 11.9, Min: 5.8
AFL: 12.8
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 13.37
PE without NRI ranked higher than
84.34% of 83 companies
in the Insurance - Life industry.
Industry Max: 868.06, Med: 13.09, Min: 3.54
AFL: 13.37
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 4.7, Med: 10.64, Max: 21.41
Current: 13.37
4.7
21.41
Price-to-Owner-Earnings 7.68
Price-to-Owner-Earnings ranked lower than
82.14% of 56 companies
in the Insurance - Life industry.
Industry Max: 213.52, Med: 9.39, Min: 0.88
AFL: 7.68
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 3.99, Med: 4.22, Max: 11.06
Current: 7.68
3.99
11.06
PB Ratio 1.59
PB Ratio ranked lower than
61.36% of 88 companies
in the Insurance - Life industry.
Industry Max: 174.5, Med: 1.18, Min: 0.15
AFL: 1.59
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 1.15, Med: 1.54, Max: 4.56
Current: 1.59
1.15
4.56
PS Ratio 1.91
PS Ratio ranked lower than
82.35% of 85 companies
in the Insurance - Life industry.
Industry Max: 53.98, Med: 0.82, Min: 0.05
AFL: 1.91
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.37, Med: 1.26, Max: 1.94
Current: 1.91
0.37
1.94
Price-to-Free-Cash-Flow 6.64
Price-to-Free-Cash-Flow ranked higher than
54.39% of 57 companies
in the Insurance - Life industry.
Industry Max: 438.57, Med: 6.33, Min: 0.24
AFL: 6.64
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.18, Med: 3.77, Max: 6.69
Current: 6.64
1.18
6.69
Price-to-Operating-Cash-Flow 6.64
Price-to-Operating-Cash-Flow ranked higher than
50.00% of 64 companies
in the Insurance - Life industry.
Industry Max: 154.23, Med: 5.97, Min: 0.24
AFL: 6.64
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.18, Med: 3.77, Max: 6.69
Current: 6.64
1.18
6.69
EV-to-EBIT -10.17
EV-to-EBIT ranked higher than
58.90% of 73 companies
in the Insurance - Life industry.
Industry Max: 96.49, Med: 10.2, Min: 0.08
AFL: -10.17
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -12.9, Med: -7.5, Max: 14.8
Current: -10.17
-12.9
14.8
EV-to-EBITDA -10.17
EV-to-EBITDA ranked higher than
54.05% of 74 companies
in the Insurance - Life industry.
Industry Max: 695.51, Med: 9.45, Min: 0.06
AFL: -10.17
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -12.9, Med: -7.5, Max: 14.8
Current: -10.17
-12.9
14.8
EV-to-Revenue -2.08
EV-to-Revenue ranked lower than
78.67% of 75 companies
in the Insurance - Life industry.
Industry Max: 41.17, Med: 0.93, Min: 0.08
AFL: -2.08
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -2.5, Med: -1.4, Max: 2
Current: -2.08
-2.5
2
PEG Ratio 67.50
PEG Ratio ranked lower than
89.80% of 49 companies
in the Insurance - Life industry.
Industry Max: 239, Med: 1.65, Min: 0.26
AFL: 67.5
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0.38, Med: 1.2, Max: 176.71
Current: 67.5
0.38
176.71
Shiller PE Ratio 15.91
Shiller PE Ratio ranked higher than
73.91% of 46 companies
in the Insurance - Life industry.
Industry Max: 126.89, Med: 19.48, Min: 5.64
AFL: 15.91
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 5.69, Med: 14.22, Max: 27.99
Current: 15.91
5.69
27.99

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.95
Trailing Dividend Yield ranked lower than
84.44% of 135 companies
in the Insurance - Life industry.
Industry Max: 26.57, Med: 3.13, Min: 0.11
AFL: 1.95
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.36, Med: 2.36, Max: 7.44
Current: 1.95
1.36
7.44
Dividend Payout Ratio 0.26
Dividend Payout Ratio ranked higher than
83.33% of 102 companies
in the Insurance - Life industry.
Industry Max: 3.07, Med: 0.26, Min: 0.01
AFL: 0.26
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.15, Med: 0.25, Max: 0.35
Current: 0.26
0.15
0.35
3-Year Dividend Growth Rate (Per Share) 9.60
3-Year Dividend Growth Rate ranked lower than
70.91% of 55 companies
in the Insurance - Life industry.
Industry Max: 191.1, Med: 9.2, Min: -100
AFL: 9.6
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 5.1, Med: 14.5, Max: 29.7
Current: 9.6
5.1
29.7
Forward Dividend Yield % 1.96
Forward Dividend Yield ranked lower than
82.48% of 137 companies
in the Insurance - Life industry.
Industry Max: 26, Med: 3.5, Min: 0.11
AFL: 1.96
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 2.75
Yield-on-Cost (5y) ranked lower than
100.00% of 132 companies
in the Insurance - Life industry.
Industry Max: 80.4, Med: 1.09, Min: 0.05
AFL: 2.75
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.92, Med: 3.33, Max: 10.48
Current: 2.75
1.92
10.48
3-Year Share Buyback Rate 3.80
3-Year Share Buyback Rate ranked higher than
91.80% of 61 companies
in the Insurance - Life industry.
Industry Max: 12.6, Med: -0.1, Min: -39.6
AFL: 3.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -0.5, Med: 1.2, Max: 4.1
Current: 3.8
-0.5
4.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.58
Price-to-Tangible-Book ranked higher than
50.59% of 85 companies
in the Insurance - Life industry.
Industry Max: 174.5, Med: 1.46, Min: 0.15
AFL: 1.58
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 1.28, Med: 2.41, Max: 4.21
Current: 1.58
1.28
4.21
Price-to-Projected-FCF 0.49
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
76.92% of 52 companies
in the Insurance - Life industry.
Industry Max: 3.92, Med: 0.55, Min: 0.04
AFL: 0.49
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.11, Med: 0.3, Max: 0.5
Current: 0.49
0.11
0.5
Price-to-Median-PS-Value 1.52
Price-to-Median-PS-Value ranked lower than
78.57% of 70 companies
in the Insurance - Life industry.
Industry Max: 3.75, Med: 1.05, Min: 0.06
AFL: 1.52
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.29, Med: 1, Max: 1.61
Current: 1.52
0.29
1.61
Price-to-Graham-Number 0.97
Price-to-Graham-Number ranked higher than
72.60% of 73 companies
in the Insurance - Life industry.
Industry Max: 5.42, Med: 0.88, Min: 0.22
AFL: 0.97
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.67, Med: 1.24, Max: 2.3
Current: 0.97
0.67
2.3
Earnings Yield (Joel Greenblatt) % -9.85
Earnings Yield (Greenblatt) ranked higher than
66.29% of 89 companies
in the Insurance - Life industry.
Industry Max: 1250, Med: 8.31, Min: -95.24
AFL: -9.85
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -19.9, Med: -8.65, Max: 31.3
Current: -9.85
-19.9
31.3
Forward Rate of Return (Yacktman) % 16.09
Forward Rate of Return ranked higher than
50.79% of 63 companies
in the Insurance - Life industry.
Industry Max: 327.34, Med: 18.57, Min: -23.68
AFL: 16.09
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 16.09, Med: 36.7, Max: 82.1
Current: 16.09
16.09
82.1

More Statistics

Revenue (TTM) (Mil) $ 21,883
EPS (TTM) $ 4.08
Beta 0.44
Volatility % 15.87
52-Week Range $ 41.45 - 55.11
Shares Outstanding (Mil) 745.47

Analyst Estimate

Piotroski F-Score Details