Aflac (AFL) GF Score: 75/100 (As of Jun. 26, 2026) — Near Median


AFL Aflac Inc AFL
75 GF Score
Price $118.23
GF Value $109.41
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Aflac GF Score?

Aflac AFL +0.41% 75 GF Score is 75 as of Jun. 26, 2026, which is 4% below its 10-year median of 78.00. 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.

Aflac has the GF Score of 75, which implies that the company is Likely to have average performance.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 6/10
2. Profitability Rank : 6/10
3. Growth Rank : 4/10
4. GF Value Rank : 7/10
5. Momentum Rank : 10/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Aflac is Likely to have average performance.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Aflac  (NYSE:AFL) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Aflac GF Score Related Terms

AFL vs MET, PRU, UNM: GF Score Comparison

For the Insurance - Life subindustry, Aflac's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Aflac's GF Score distribution charts can be found below:

* The bar in red indicates where Aflac's GF Score falls into.


AFL
75GF Score
Aflac Inc AFL
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 75 mean?
Aflac (AFL) has a GF Score of 75 as of Jun. 26, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Aflac and its competitors. This is near median its historical median of 78.00. Over the past decade, Aflac's GF Score has ranged from 63.00 to 92.00.
Is Aflac's GF Score too high?
Aflac's current GF Score of 75 is near median its 10-year median of 78.00. Over the past 10 years, this metric has ranged from a low of 63.00 to a high of 92.00. 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 GF Score compare to MET and PRU?
Aflac's GF Score of 75 can be compared against companies in the Insurance industry. Historically, Aflac's own GF Score has ranged from 63.00 to 92.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Aflac and its competitors. Aflac's current GF Score is 75, which is near median its own 10-year median of 78.00. 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 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 GF Score is 75, which is near median its 10-year median of 78.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Aflac (AFL), the current GF Score is 75 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:

  • GF Score: 75 (near median its 10-year median of 78.00)
  • GF Value™: $109.41 vs. price of $118.23 (8.1% above fair value)
  • GF Score™: 75/100 with 4 warning signs

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 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.
75GF Score

Get the complete analysis for AFL

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

$118.23
Price
$109.41
GF Value