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AflacAFL -3.81%74 3-Year Dividend Growth Rate is 13.20% as of Jun. 2026, which is 6% below its 10-year median of 14.00. GuruFocus rates AFL with a GF Score™ of 74/100 and a GF Value™ of $128.93 (Fairly Valued). The stock has 5 warning signs investors should review. Among 274 Insurance companies, Aflac ranks better than 62.77% on this metric.
The historical rank and industry rank for Aflac's 3-Year Dividend Growth Rate or its related term are showing as below:
AFL'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 5.1 Med: 14 Max: 29.7
Current: 13.2
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Aflac was 29.70% per year. The lowest was 5.10% per year. And the median was 14.00% per year.
AFL's 3-Year Dividend Growth Rate is ranked better than 62.77% of 274
companies
in the Insurance industry
Industry Median: 9.4
vs AFL: 13.20
During the past 12 months, Aflac's average Dividends Per Share Growth Rate was 10.20% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 13.20% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 15.20% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 11.50% 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 dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of Aflac was 0.31. The lowest was 0.23. And the median was 0.25.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Aflac Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.610000
2026-08-19
2026-08-19
2026-09-01
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.610000
2026-05-20
2026-05-20
2026-06-01
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.610000
2026-02-18
2026-02-18
2026-03-02
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.580000
2025-11-19
2025-11-19
2025-12-01
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.580000
2025-08-20
2025-08-20
2025-09-02
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Aflac's Dividend Yield (%) for Today is calculated as
Current Share Price is $117.0901.
Aflac's Dividends per Share for the trailing twelve months (TTM) ended in Today is $2.99.
During the past 13 years, the highest Dividend Yield of Aflac was 4.04%. The lowest was 1.66%. And the median was 2.13%.
* 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 3-Year Dividend Growth Rate Related Terms>
AFL vs MET, PRU, UNM: 3-Year Dividend Growth Rate Comparison
For the Insurance - Life subindustry, Aflac's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Aflac's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 13.20% mean?
Aflac (AFL) has a 3-Year Dividend Growth Rate of 13.20% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Aflac and its competitors. This is near median its historical median of 14.00. Over the past decade, Aflac's 3-Year Dividend Growth Rate has ranged from 5.10 to 29.70. According to the industry distribution chart, Aflac ranks #102 out of 274 companies in the Insurance industry, placing it in the top 37.2%.
Is Aflac's 3-Year Dividend Growth Rate too high?
Aflac's current 3-Year Dividend Growth Rate of 13.20% is near median its 10-year median of 14.00. Over the past 10 years, this metric has ranged from a low of 5.10 to a high of 29.70. The Insurance industry median 3-Year Dividend Growth Rate is 9.40. Aflac's value of 13.20% is 40.4% above this industry median. Based on the distribution chart, Aflac ranks #102 out of 274 companies in the Insurance industry, which is above the industry midpoint. Overall, Aflac has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Aflac's 3-Year Dividend Growth Rate compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #102 out of 274 companies for 3-Year Dividend Growth Rate. This puts Aflac in the upper half of its industry. The industry median 3-Year Dividend Growth Rate is 9.40. Aflac's value of 13.20% is 40.4% above this benchmark. Historically, Aflac's own 3-Year Dividend Growth Rate has ranged from 5.10 to 29.70 over the past decade. While the company's 10-year median is 14.00 vs. the industry median of 9.40, 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 Dividend Growth Rate for an Insurance company?
The median 3-Year Dividend Growth Rate among Insurance companies is 9.40, based on 274 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current 3-Year Dividend Growth Rate of 13.20% is 40.4% 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 Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Aflac and its competitors. For the Insurance industry, the median 3-Year Dividend Growth Rate is 9.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current 3-Year Dividend Growth Rate is 13.20%, which is near median its own 10-year median of 14.00. 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 $128.93, compared to a current price of $117.09 — trading 9.2% below its estimated fair value. The current 3-Year Dividend Growth Rate is 13.20%, which is near median its 10-year median of 14.00 and 40.4% above the Insurance industry median of 9.40. 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 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Aflac (AFL), the current 3-Year Dividend Growth Rate is 13.20% 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 $117.09 is trading 9.2% below its estimated GF Value™ of $128.93.
GuruFocus considers Aflac to be Fairly Valued.
Key valuation signals for AFL:
3-Year Dividend Growth Rate: 13.20% (near median its 10-year median of 14.00)
GF Value™: $128.93 vs. price of $117.09 (9.2% below fair value)
Industry Position: 40.4% above the Insurance median (#102 of 274)
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.
74GF Score
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3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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