AflacMEX:AFL 68 EV-to-FCF is 23.04 as of Jul. 08, 2026, which is 212% above its 10-year median of 7.39. GuruFocus rates MEX:AFL with a GF Score™ of 68/100 and a GF Value™ of MXN1,840.00 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 392 Insurance companies, Aflac ranks worse than 82.4% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Aflac's Enterprise Value is MXN1,235,177 Mil.
Aflac's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was MXN53,607 Mil. Therefore, Aflac's EV-to-FCF for today is 23.04.
The historical rank and industry rank for Aflac's EV-to-FCF or its related term are showing as below:
MEX:AFL'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.92 Med: 7.39 Max: 25.15
Current: 24.03
During the past 13 years, the highest EV-to-FCF of Aflac was 25.15. The lowest was 3.92. And the median was 7.39.
MEX:AFL's EV-to-FCF is ranked worse than 82.4% of 392
companies
in the Insurance industry
Industry Median: 9.645
vs MEX:AFL: 24.03
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-07-08), Aflac's stock price is MXN2049.15.
Aflac's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was MXN160.920. Therefore, Aflac's PE Ratio (TTM) for today is 12.73.
Aflac (MEX:AFL) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Aflac's share price for today is MXN2049.15.
Aflac's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MXN160.920.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Aflac EV-to-FCF Related Terms
Aflac EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Aflac's EV-to-FCF 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.
For the Insurance - Life subindustry, Aflac's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Aflac's EV-to-FCF falls into.
Aflac's current Enterprise Value is MXN1,235,177 Mil.
Aflac's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MXN53,607 Mil.
* 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 (MEX:AFL) has a EV-to-FCF of 23.04 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Aflac and its competitors. This is 212% above median its historical median of 7.39. Over the past decade, Aflac's EV-to-FCF has ranged from 3.92 to 25.15. According to the industry distribution chart, Aflac ranks #323 out of 392 companies in the Insurance industry, placing it in the top 82.4%.
Is Aflac's EV-to-FCF too high?
Aflac's current EV-to-FCF of 23.04 is 212% above median its 10-year median of 7.39. Over the past 10 years, this metric has ranged from a low of 3.92 to a high of 25.15. The Insurance industry median EV-to-FCF is 9.65. Aflac's value of 23.04 is 138.9% above this industry median. Based on the distribution chart, Aflac ranks #323 out of 392 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Aflac has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aflac's EV-to-FCF compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #323 out of 392 companies for EV-to-FCF. This places Aflac in the lower half of its industry. The industry median EV-to-FCF is 9.65. Aflac's value of 23.04 is 138.9% above this benchmark. Historically, Aflac's own EV-to-FCF has ranged from 3.92 to 25.15 over the past decade. While the company's 10-year median is 7.39 vs. the industry median of 9.65, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.65, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current EV-to-FCF of 23.04 is 138.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Aflac and its competitors. For the Insurance industry, the median EV-to-FCF is 9.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current EV-to-FCF is 23.04, which is 212% above median its own 10-year median of 7.39. 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 (MEX:AFL) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN1,840.00, compared to a current price of MXN2,049.15 — trading 11.4% above its estimated fair value. The current EV-to-FCF is 23.04, which is 212% above median its 10-year median of 7.39 and 138.9% above the Insurance industry median of 9.65. Aflac's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Aflac (MEX:AFL), the current EV-to-FCF is 23.04 as of Jul. 08, 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 (MEX:AFL) Overvalued in 2026?
Based on GuruFocus' analysis, Aflac stock appears to be overvalued.
The current stock price of MXN2,049.15 is trading 11.4% above its estimated GF Value™ of MXN1,840.00.
GuruFocus considers Aflac to be Modestly Overvalued.
Key valuation signals for MEX:AFL:
EV-to-FCF: 23.04 (212% above median its 10-year median of 7.39)
GF Value™: MXN1,840.00 vs. price of MXN2,049.15 (11.4% above fair value)
Industry Position: 138.9% above the Insurance median (#323 of 392)
No single metric tells the full story. See the MEX: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.
68GF Score
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