Aflac (AFL) Net Loan: $9,975 Mil (As of Mar. 2026)


AFL Aflac Inc AFL
74 GF Score
Price $120.88
GF Value $109.18
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Aflac Net Loan?

Aflac AFL +2.02% 74 Net Loan is $9,975 Mil as of Mar. 2026. GuruFocus rates AFL with a GF Score™ of 74/100 and a GF Value™ of $109.18 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Aflac's quarterly net loan declined from Sep. 2025 ($10,354 Mil) to Dec. 2025 ($9,765 Mil) but then increased from Dec. 2025 ($9,765 Mil) to Mar. 2026 ($9,975 Mil).

Aflac's annual net loan declined from Dec. 2023 ($12,527 Mil) to Dec. 2024 ($9,765 Mil) and declined from Dec. 2024 ($9,765 Mil) to Dec. 2025 ($9,975 Mil).

Aflac Net Loan Historical Data

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The historical data trend for Aflac's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Aflac Net Loan Chart

Aflac Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11,786.00 13,496.00 12,527.00 10,869.00 9,765.00

Aflac Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10,656.00 10,264.00 10,354.00 9,765.00 9,975.00
AFL
74GF Score
Aflac Inc AFL
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Aflac Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $9,975 Mil mean?
Aflac (AFL) has a Net Loan of $9,975 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Aflac and its competitors.
Is Aflac's Net Loan too high?
Aflac's current Net Loan is $9,975 Mil. Overall, Aflac has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aflac's Net Loan compare to MET and PRU?
Aflac's Net Loan of $9,975 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Aflac and its competitors. Aflac's current Net Loan is $9,975 Mil. 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 Modestly Overvalued. The stock's GF Value™ is $109.18, compared to a current price of $120.88 — trading 10.7% above its estimated fair value. The current Net Loan is $9,975 Mil. Aflac's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Aflac (AFL), the current Net Loan is $9,975 Mil as of Mar. 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 overvalued. The current stock price of $120.88 is trading 10.7% above its estimated GF Value™ of $109.18. GuruFocus considers Aflac to be Modestly Overvalued.

Key valuation signals for AFL:

  • Net Loan: $9,975 Mil
  • GF Value™: $109.18 vs. price of $120.88 (10.7% above fair value)
  • GF Score™: 74/100 with 5 warning signs

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 Business Description

Address 1932 Wynnton Road, Columbus, GA, USA, 31999
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.
74GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.88
Price
$109.18
GF Value