Aflac (AFL) Growth Rank: 2 (As of Jul. 11, 2026) — 67% Below Median


AFL Aflac Inc AFL
70 GF Score
Price $121.91
GF Value $108.77
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Aflac Growth Rank?

Aflac AFL -0.07% 70 Growth Rank is 2 as of Jul. 11, 2026, which is 67% below its 10-year median of 6.00. GuruFocus rates AFL with a GF Score™ of 70/100 and a GF Value™ of $108.77 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Aflac has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

AFL vs MET, PRU, UNM: Growth Rank Comparison

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

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

* The bar in red indicates where Aflac's Growth Rank falls into.


AFL
70GF Score
Aflac Inc AFL
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
Aflac (AFL) has a Growth Rank of 2 as of Jul. 11, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Aflac and its competitors. This is 67% below median its historical median of 6.00. Over the past decade, Aflac's Growth Rank has ranged from 2.00 to 10.00.
Is Aflac's Growth Rank too high?
Aflac's current Growth Rank of 2 is 67% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. Overall, Aflac has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aflac's Growth Rank compare to MET and PRU?
Aflac's Growth Rank of 2 can be compared against companies in the Insurance industry. Historically, Aflac's own Growth Rank has ranged from 2.00 to 10.00 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 Growth Rank for an Insurance company?
A good Growth Rank depends on the Insurance industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Aflac and its competitors. Aflac's current Growth Rank is 2, which is 67% below median its own 10-year median of 6.00. 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 Modestly Overvalued. The stock's GF Value™ is $108.77, compared to a current price of $121.91 — trading 12.1% above its estimated fair value. The current Growth Rank is 2, which is 67% below median its 10-year median of 6.00. Aflac's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Aflac (AFL), the current Growth Rank is 2 as of Jul. 11, 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 $121.91 is trading 12.1% above its estimated GF Value™ of $108.77. GuruFocus considers Aflac to be Modestly Overvalued.

Key valuation signals for AFL:

  • Growth Rank: 2 (67% below median its 10-year median of 6.00)
  • GF Value™: $108.77 vs. price of $121.91 (12.1% above fair value)
  • GF Score™: 70/100 with 5 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.
70GF Score

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

$121.91
Price
$108.77
GF Value