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AflacAFL +0.29%70 3-Year Book Growth Rate is 20.20% as of Jun. 2026, which is 41% above its 10-year median of 14.30. GuruFocus rates AFL with a GF Score™ of 70/100 and a GF Value™ of $131.97 (Fairly Valued). The stock has 5 warning signs investors should review. Among 481 Insurance companies, Aflac ranks better than 83.37% on this metric.
During the past 12 months, Aflac's average Book Value per Share Growth Rate was 18.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 20.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 2.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 8.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Aflac was 30.00% per year. The lowest was -7.80% per year. And the median was 14.30% per year.
Aflac (NYSE:AFL) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Aflac 3-Year Book Growth Rate Related Terms
AFL vs MET, PRU, UNM: 3-Year Book Growth Rate Comparison
For the Insurance - Life subindustry, Aflac's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Aflac 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Aflac's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 20.20% mean?
Aflac (AFL) has a 3-Year Book Growth Rate of 20.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Aflac and its competitors. This is 41% above median its historical median of 14.30. According to the industry distribution chart, Aflac ranks #80 out of 481 companies in the Insurance industry, placing it in the top 16.6%.
Is Aflac's 3-Year Book Growth Rate too high?
Aflac's current 3-Year Book Growth Rate of 20.20% is 41% above median its 10-year median of 14.30. The Insurance industry median 3-Year Book Growth Rate is 8.50. Aflac's value of 20.20% is 137.6% above this industry median. Based on the distribution chart, Aflac ranks #80 out of 481 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Aflac has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Aflac's 3-Year Book Growth Rate compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #80 out of 481 companies for 3-Year Book Growth Rate. This places Aflac in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.50. Aflac's value of 20.20% is 137.6% above this benchmark. While the company's 10-year median is 14.30 vs. the industry median of 8.50, Aflac has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.50, based on 481 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current 3-Year Book Growth Rate of 20.20% is 137.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Aflac and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current 3-Year Book Growth Rate is 20.20%, which is 41% above median its own 10-year median of 14.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aflac stock overvalued right now?
Based on GuruFocus' analysis, Aflac (AFL) is currently considered Fairly Valued. The stock's GF Value™ is $131.97, compared to a current price of $121.45 — trading 8% below its estimated fair value. The current 3-Year Book Growth Rate is 20.20%, which is 41% above median its 10-year median of 14.30 and 137.6% above the Insurance industry median of 8.50. Aflac's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Aflac (AFL), the current 3-Year Book Growth Rate is 20.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Aflac (AFL) Overvalued in 2026?
Based on GuruFocus' analysis, Aflac stock appears to be undervalued.
The current stock price of $121.45 is trading 8% below its estimated GF Value™ of $131.97.
GuruFocus considers Aflac to be Fairly Valued.
Key valuation signals for AFL:
3-Year Book Growth Rate: 20.20% (41% above median its 10-year median of 14.30)
GF Value™: $131.97 vs. price of $121.45 (8% below fair value)
Industry Position: 137.6% above the Insurance median (#80 of 481)
No single metric tells the full story. See the AFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aflac Inc offers supplemental health insurance and life insurance in the United States and Japan. In addition to its cancer policies, the company has broadened its product offerings to include accident, dental and vision, disability, and long-term-care insurance. It markets its products through independent distributors, selling the majority of its policies directly to consumers at their places of work, and also reaches out to its customers outside of their worksite through digital mediums. The company has two reportable business segments: Aflac Japan, which generates the maximum revenue, and Aflac U.S.
70GF Score
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