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AflacAFL +1.38%69 3-Year EBITDA Growth Rate is 3.60% as of Mar. 2026, which is 74% below its 10-year median of 14.00. GuruFocus rates AFL with a GF Score™ of 69/100 and a GF Value™ of $108.71 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 288 Insurance companies, Aflac ranks worse than 75% on this metric.
During the past 12 months, Aflac's average EBITDA Per Share Growth Rate was 35.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 3.60% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 9.30% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 8.50% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Aflac was 248.40% per year. The lowest was -50.00% per year. And the median was 14.00% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Aflac 3-Year EBITDA Growth Rate Related Terms
AFL vs MET, PRU, UNM: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Life subindustry, Aflac's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Aflac's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 3.60% mean?
Aflac (AFL) has a 3-Year EBITDA Growth Rate of 3.60% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Aflac and its competitors. This is 74% below median its historical median of 14.00. According to the industry distribution chart, Aflac ranks #216 out of 288 companies in the Insurance industry, placing it in the top 75%.
Is Aflac's 3-Year EBITDA Growth Rate too high?
Aflac's current 3-Year EBITDA Growth Rate of 3.60% is 74% below median its 10-year median of 14.00. The Insurance industry median 3-Year EBITDA Growth Rate is 17.35. Aflac's value of 3.60% is 79.3% below this industry median. Based on the distribution chart, Aflac ranks #216 out of 288 companies in the Insurance industry, which is below the industry midpoint. Overall, Aflac has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aflac's 3-Year EBITDA Growth Rate compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #216 out of 288 companies for 3-Year EBITDA Growth Rate. This places Aflac in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 17.35. Aflac's value of 3.60% is 79.3% below this benchmark. While the company's 10-year median is 14.00 vs. the industry median of 17.35, 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.35, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current 3-Year EBITDA Growth Rate of 3.60% is 79.3% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Aflac and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current 3-Year EBITDA Growth Rate is 3.60%, which is 74% below 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 Modestly Overvalued. The stock's GF Value™ is $108.71, compared to a current price of $124.72 — trading 14.7% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 3.60%, which is 74% below median its 10-year median of 14.00 and 79.3% below the Insurance industry median of 17.35. Aflac's overall GF Score™ is 69/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Aflac (AFL), the current 3-Year EBITDA Growth Rate is 3.60% 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 $124.72 is trading 14.7% above its estimated GF Value™ of $108.71.
GuruFocus considers Aflac to be Modestly Overvalued.
Key valuation signals for AFL:
3-Year EBITDA Growth Rate: 3.60% (74% below median its 10-year median of 14.00)
GF Value™: $108.71 vs. price of $124.72 (14.7% above fair value)
Industry Position: 79.3% below the Insurance median (#216 of 288)
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.
69GF Score
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