AflacHAM:AFL +0.77%75 EBITDA Margin % is 29.15% as of Mar. 2026, which is 26% above its 10-year median of 23.15. GuruFocus rates HAM:AFL with a GF Score™ of 75/100 and a GF Value™ of €96.84 (Fairly Valued). The stock has 4 warning signs investors should review. Among 369 Insurance companies, Aflac ranks better than 83.2% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Aflac's EBITDA for the
three
months ended in Mar. 2026 was €1,112 Mil. Aflac's Revenue for the
three
months ended in Mar. 2026 was €3,813 Mil. Therefore, Aflac's EBITDA margin for the quarter that ended in Mar. 2026 was 29.15%.
Aflac (HAM:AFL) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Aflac EBITDA Margin % Related Terms
Aflac EBITDA Margin % Historical Data
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The historical data trend for Aflac's EBITDA Margin % 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.
HAM:AFL vs MET, PRU, UNM: EBITDA Margin % Comparison
For the Insurance - Life subindustry, Aflac's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Aflac's EBITDA Margin % falls into.
* 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 (HAM:AFL) has a EBITDA Margin % of 29.15% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Aflac and its competitors. This is 26% above median its historical median of 23.15. Over the past decade, Aflac's EBITDA Margin % has ranged from 19.28 to 34.58. According to the industry distribution chart, Aflac ranks #62 out of 369 companies in the Insurance industry, placing it in the top 16.8%.
Is Aflac's EBITDA Margin % too high?
Aflac's current EBITDA Margin % of 29.15% is 26% above median its 10-year median of 23.15. Over the past 10 years, this metric has ranged from a low of 19.28 to a high of 34.58. The Insurance industry median EBITDA Margin % is 14.81. Aflac's value of 29.15% is 96.8% above this industry median. Based on the distribution chart, Aflac ranks #62 out of 369 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Aflac has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Aflac's EBITDA Margin % compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #62 out of 369 companies for EBITDA Margin %. This places Aflac in the top 17% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 14.81. Aflac's value of 29.15% is 96.8% above this benchmark. Historically, Aflac's own EBITDA Margin % has ranged from 19.28 to 34.58 over the past decade. While the company's 10-year median is 23.15 vs. the industry median of 14.81, 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current EBITDA Margin % of 29.15% is 96.8% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Aflac and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current EBITDA Margin % is 29.15%, which is 26% above median its own 10-year median of 23.15. 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 (HAM:AFL) is currently considered Fairly Valued. The stock's GF Value™ is €96.84, compared to a current price of €104.65 — trading 8.1% above its estimated fair value. The current EBITDA Margin % is 29.15%, which is 26% above median its 10-year median of 23.15 and 96.8% above the Insurance industry median of 14.81. Aflac's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Aflac (HAM:AFL), the current EBITDA Margin % is 29.15% 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 (HAM:AFL) Overvalued in 2026?
Based on GuruFocus' analysis, Aflac stock appears to be overvalued.
The current stock price of €104.65 is trading 8.1% above its estimated GF Value™ of €96.84.
GuruFocus considers Aflac to be Fairly Valued.
Key valuation signals for HAM:AFL:
EBITDA Margin %: 29.15% (26% above median its 10-year median of 23.15)
GF Value™: €96.84 vs. price of €104.65 (8.1% above fair value)
Industry Position: 96.8% above the Insurance median (#62 of 369)
No single metric tells the full story. See the HAM: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.
75GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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