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AflacAFL -1.62%71 3-Year EPS without NRI Growth Rate is 12.00% as of Mar. 2026, which is 3% above its 10-year median of 11.70. GuruFocus rates AFL with a GF Score™ of 71/100 and a GF Value™ of $106.39 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 402 Insurance companies, Aflac ranks worse than 57.46% on this metric.
During the past 12 months, Aflac's average EPS without NRI Growth Rate was -4.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 12.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 8.80% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 9.90% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Aflac was 33.80% per year. The lowest was -3.50% per year. And the median was 11.70% per year.
Aflac (NYSE:AFL) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Aflac 3-Year EPS without NRI Growth Rate Related Terms
AFL vs MET, PRU, UNM: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Life subindustry, Aflac's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Aflac's 3-Year EPS without NRI Growth Rate falls into.
Aflac 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 12.00% mean?
Aflac (AFL) has a 3-Year EPS without NRI Growth Rate of 12.00% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Aflac and its competitors. This is near median its historical median of 11.70. According to the industry distribution chart, Aflac ranks #231 out of 402 companies in the Insurance industry, placing it in the top 57.5%.
Is Aflac's 3-Year EPS without NRI Growth Rate too high?
Aflac's current 3-Year EPS without NRI Growth Rate of 12.00% is near median its 10-year median of 11.70. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.35. Aflac's value of 12.00% is 26.6% below this industry median. Based on the distribution chart, Aflac ranks #231 out of 402 companies in the Insurance industry, which is below the industry midpoint. Overall, Aflac has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aflac's 3-Year EPS without NRI Growth Rate compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #231 out of 402 companies for 3-Year EPS without NRI Growth Rate. This places Aflac in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.35. Aflac's value of 12.00% is 26.6% below this benchmark. While the company's 10-year median is 11.70 vs. the industry median of 16.35, Aflac has consistently been below 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 EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.35, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current 3-Year EPS without NRI Growth Rate of 12.00% is 26.6% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Aflac and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current 3-Year EPS without NRI Growth Rate is 12.00%, which is near median its own 10-year median of 11.70. 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 $106.39, compared to a current price of $124.61 — trading 17.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 12.00%, which is near median its 10-year median of 11.70 and 26.6% below the Insurance industry median of 16.35. Aflac's overall GF Score™ is 71/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Aflac (AFL), the current 3-Year EPS without NRI Growth Rate is 12.00% 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 $124.61 is trading 17.1% above its estimated GF Value™ of $106.39.
GuruFocus considers Aflac to be Modestly Overvalued.
Key valuation signals for AFL:
3-Year EPS without NRI Growth Rate: 12.00% (near median its 10-year median of 11.70)
GF Value™: $106.39 vs. price of $124.61 (17.1% above fair value)
Industry Position: 26.6% below the Insurance median (#231 of 402)
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.
71GF Score
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