AflacAFL +0.41%75 OCF Margin % is 21.96% as of Mar. 2026, which is 8% below its 10-year median of 23.99. 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 501 Insurance companies, Aflac ranks better than 62.67% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Aflac's Cash Flow from Operations for the
three
months ended in Mar. 2026 was $968 Mil. Aflac's Revenue for the
three
months ended in Mar. 2026 was $4,408 Mil. Therefore, Aflac's OCF Margin % for the quarter that ended in Mar. 2026 was 21.96%.
The historical rank and industry rank for Aflac's OCF Margin % or its related term are showing as below:
AFL'
s OCF Margin % Range Over the Past 10 Years
Min: 14.15 Med: 23.99 Max: 28.37
Current: 16.02
During the past 13 years, the highest OCF Margin % of Aflac was 28.37%. The lowest was 14.15%. And the median was 23.99%.
AFL's OCF Margin % is ranked better than 62.67% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs AFL: 16.02
Aflac OCF Margin % Related Terms
Aflac OCF Margin % Historical Data
* Premium members only.
The historical data trend for Aflac's OCF 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.
For the Insurance - Life subindustry, Aflac's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Aflac's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Aflac's OCF 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 (AFL) has a OCF Margin % of 21.96% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Aflac and its competitors. This is near median its historical median of 23.99. Over the past decade, Aflac's OCF Margin % has ranged from 14.15 to 28.37. According to the industry distribution chart, Aflac ranks #187 out of 501 companies in the Insurance industry, placing it in the top 37.3%.
Is Aflac's OCF Margin % too high?
Aflac's current OCF Margin % of 21.96% is near median its 10-year median of 23.99. Over the past 10 years, this metric has ranged from a low of 14.15 to a high of 28.37. The Insurance industry median OCF Margin % is 10.85. Aflac's value of 21.96% is 102.4% above this industry median. Based on the distribution chart, Aflac ranks #187 out of 501 companies in the Insurance industry, which is above 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 OCF Margin % compare to MET and PRU?
According to the Insurance industry distribution chart, Aflac ranks #187 out of 501 companies for OCF Margin %. This puts Aflac in the upper half of its industry. The industry median OCF Margin % is 10.85. Aflac's value of 21.96% is 102.4% above this benchmark. Historically, Aflac's own OCF Margin % has ranged from 14.15 to 28.37 over the past decade. While the company's 10-year median is 23.99 vs. the industry median of 10.85, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aflac's current OCF Margin % of 21.96% is 102.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Aflac and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aflac's current OCF Margin % is 21.96%, which is near median its own 10-year median of 23.99. 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 OCF Margin % is 21.96%, which is near median its 10-year median of 23.99 and 102.4% above the Insurance industry median of 10.85. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Aflac (AFL), the current OCF Margin % is 21.96% 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 (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:
OCF Margin %: 21.96% (near median its 10-year median of 23.99)
GF Value™: $109.41 vs. price of $118.23 (8.1% above fair value)
Industry Position: 102.4% above the Insurance median (#187 of 501)
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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