Aflac (HAM:AFL) FFO

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HAM:AFL Aflac Inc HAM:AFL
70 GF Score
Price €106.20
GF Value €94.75
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Aflac FFO?

FFO (Funds from operations) only applies to REITs.

HAM:AFL
70GF Score
Aflac Inc HAM:AFL
FFO is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Aflac (HAM:AFL) Overvalued in 2026?

Based on GuruFocus' analysis, Aflac stock appears to be overvalued. The current stock price of €106.20 is trading 12.1% above its estimated GF Value™ of €94.75. GuruFocus considers Aflac to be Modestly Overvalued.

Key valuation signals for HAM:AFL:

  • FFO:
  • GF Value™: €94.75 vs. price of €106.20 (12.1% above fair value)
  • GF Score™: 70/100 with 5 warning signs

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 Business Description

Address 1932 Wynnton Road, Columbus, GA, USA, 31999
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.
70GF Score

Get the complete analysis for HAM:AFL

FFO is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€106.20
Price
€94.75
GF Value