AflacAFL +0.41%75 FCF Yield % is 4.88 as of Jun. 26, 2026, which is 66% below its 10-year median of 14.33. GuruFocus rates AFL with a GF Score™ of 75/100 and a GF Value™ of $109.41 (Fairly Valued). The stock has 4 warning signs investors should review. Among 504 Insurance companies, Aflac ranks worse than 60.32% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
As of today, Aflac's Trailing 12-Month Free Cash Flow is $2,934 Mil, and Market Cap is $60,177 Mil. Therefore, Aflac's FCF Yield % for today is 4.88%.
The historical rank and industry rank for Aflac's FCF Yield % or its related term are showing as below:
AFL'
s FCF Yield % Range Over the Past 10 Years
Min: 4.15 Med: 14.33 Max: 27.68
Current: 4.88
During the past 13 years, the highest FCF Yield % of Aflac was 27.68%. The lowest was 4.15%. And the median was 14.33%.
AFL's FCF Yield % is ranked worse than 60.32% of 504
companies
in the Insurance industry
Industry Median: 7.11
vs AFL: 4.88
Aflac's FCF Margin % for the quarter that ended in Mar. 2026 was 21.96%.
Aflac FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Aflac FCF Yield % Related Terms
Aflac FCF Yield % Historical Data
* Premium members only.
The historical data trend for Aflac's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Aflac's FCF Yield % 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 (AFL) has a FCF Yield % of 4.88 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Aflac and its competitors. This is 66% below median its historical median of 14.33. Over the past decade, Aflac's FCF Yield % has ranged from 4.15 to 27.68. According to the industry distribution chart, Aflac ranks #304 out of 504 companies in the Insurance industry, placing it in the top 60.3%.
Is Aflac's FCF Yield % too high?
Aflac's current FCF Yield % of 4.88 is 66% below median its 10-year median of 14.33. Over the past 10 years, this metric has ranged from a low of 4.15 to a high of 27.68. The Insurance industry median FCF Yield % is 7.11. Aflac's value of 4.88 is 31.4% below this industry median. Based on the distribution chart, Aflac ranks #304 out of 504 companies in the Insurance industry, which is below the industry midpoint. 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 FCF Yield % compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #304 out of 504 companies for FCF Yield %. This places Aflac in the lower half of its industry. The industry median FCF Yield % is 7.11. Aflac's value of 4.88 is 31.4% below this benchmark. Historically, Aflac's own FCF Yield % has ranged from 4.15 to 27.68 over the past decade. While the company's 10-year median is 14.33 vs. the industry median of 7.11, 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.11, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current FCF Yield % of 4.88 is 31.4% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Aflac and its competitors. For the Insurance industry, the median FCF Yield % is 7.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current FCF Yield % is 4.88, which is 66% below median its own 10-year median of 14.33. 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 $109.41, compared to a current price of $118.23 — trading 8.1% above its estimated fair value. The current FCF Yield % is 4.88, which is 66% below median its 10-year median of 14.33 and 31.4% below the Insurance industry median of 7.11. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Aflac (AFL), the current FCF Yield % is 4.88 as of Jun. 26, 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 $118.23 is trading 8.1% above its estimated GF Value™ of $109.41.
GuruFocus considers Aflac to be Fairly Valued.
Key valuation signals for AFL:
FCF Yield %: 4.88 (66% below median its 10-year median of 14.33)
GF Value™: $109.41 vs. price of $118.23 (8.1% above fair value)
Industry Position: 31.4% below the Insurance median (#304 of 504)
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.
75GF Score
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