Aflac Incorporated Financials

AFL Stock  USD 106.49  0.56  0.53%   
Based on the measurements of operating efficiency obtained from Aflac Incorporated's historical financial statements, Aflac Incorporated may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At this time, Aflac Incorporated's Non Current Liabilities Total is quite stable compared to the past year. Total Liabilities is expected to rise to about 126.5 B this year, although the value of Other Assets are projected to rise to (22.1 B). Key indicators impacting Aflac Incorporated's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.240.22
Significantly Up
Slightly volatile
Return On Assets0.01660.0331
Way Down
Slightly volatile
Return On Equity0.130.19
Way Down
Very volatile
Debt Equity Ratio0.170.3
Way Down
Pretty Stable
Operating Income18.8 B17.9 B
Sufficiently Up
Slightly volatile
Current Ratio66.1271.28
Significantly Down
Very volatile
Investors should never underestimate Aflac Incorporated's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Aflac Incorporated's cash flow, debt, and profitability to make informed and accurate decisions about investing in Aflac Incorporated.

Cash And Equivalents

4.98 Billion

  
Understanding current and past Aflac Incorporated Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Aflac Incorporated's financial statements are interrelated, with each one affecting the others. For example, an increase in Aflac Incorporated's assets may result in an increase in income on the income statement.

Aflac Incorporated Earnings Geography

Aflac Incorporated Stock Summary

Aflac Incorporated competes with Prudential Financial, MetLife, Unum, Manulife Financial, and Prudential PLC. Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company was founded in 1955 and is based in Columbus, Georgia. Aflac operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. It employs 12447 people.
Foreign Associates
Specialization
Financial Services, Insurance - Life
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS0010551028
CUSIP001055102
LocationGeorgia; U.S.A
Business Address1932 Wynnton Road,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.aflac.com
Phone706 323 3431
CurrencyUSD - US Dollar

Aflac Incorporated Key Financial Ratios

Aflac Incorporated Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets165.1B157.5B131.7B126.7B145.7B75.1B
Net Debt2.8B2.9B3.5B3.1B3.5B3.7B
Retained Earnings38.0B41.4B44.4B48.0B55.2B58.0B
Other Assets(79.0B)157.5B(45.0B)(25.9B)(23.3B)(22.1B)
Total Liab7.9B124.3B111.6B104.7B120.4B126.5B
Net Receivables796M693M647M848M975.2M603.9M
Other Current Assets7.8B43.7B7.2B7.3B6.6B6.8B
Total Current Assets111.8B143.7B80.3B29.1B33.4B37.2B
Short Term Debt56M8.0B55M52M59.8M56.8M
Intangible Assets10.4B9.5B8.6B9.1B10.5B11.0B
Other Current Liab4.6B4.3B1.2B(577M)(663.6M)(630.4M)
Accounts Payable5.4B4.7B4.3B1.3B1.5B1.4B
Cash5.1B5.1B3.9B4.3B5.0B2.7B
Other Liab102.2B123.6B116.3B91.7B105.5B66.4B
Long Term Debt7.9B7.8B7.4B7.2B8.3B8.7B
Treasury Stock(14.4B)(15.9B)(18.2B)(20.6B)(18.5B)(17.6B)
Inventory(7.8B)(7.5B)(7.2B)(78.4B)(70.6B)(67.1B)
Net Tangible Assets29.0B33.6B33.3B22.4B25.7B24.2B
Long Term Debt Total6.4B7.9B7.9B7.4B8.6B6.6B
Capital Surpluse2.3B2.4B2.5B2.6B3.0B2.2B

Aflac Incorporated Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense242M238M226M195M224.3M235.5M
Total Revenue22.1B22.1B19.1B18.7B21.5B14.3B
Gross Profit22.1B22.1B18.9B18.7B21.5B14.3B
Operating Income4.2B5.3B5.1B15.5B17.9B18.8B
Ebit4.2B5.3B5.1B5.5B6.3B6.6B
Ebitda5.4B6.5B5.1B5.5B6.3B6.6B
Net Income4.8B4.3B4.4B4.7B5.4B5.6B
Income Tax Expense(619M)997M451M603M693.5M584.8M
Income Before Tax4.2B5.3B4.9B5.3B6.1B6.4B
Tax Provision(619M)997M403M875M787.5M534.3M
Interest Income228M242M238M226M203.4M195.3M
Net Interest Income(242M)(238M)(226M)(203M)(233.5M)(245.1M)

Aflac Incorporated Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash245M(90M)(1.1B)363M417.5M438.3M
Free Cash Flow6.0B5.1B3.9B3.2B3.7B5.0B
Other Non Cash Items524M(440M)(427M)(939M)(1.1B)(1.0B)
Dividends Paid769M855M979M966M1.1B1.2B
Net Income4.8B4.3B4.2B4.7B5.4B5.6B
End Period Cash Flow5.1B5.1B3.9B4.3B5.0B5.2B
Depreciation1.2B1.2B1.2B39M44.9M42.6M
Change To Netincome493M452M(547M)(525M)(472.5M)(448.9M)
Investments(3.2B)(1.1B)(1.5B)1.5B1.8B1.9B
Change Receivables(32M)52M72M2M1.8M1.7M
Net Borrowings614M1.2B417M(222M)(199.8M)(189.8M)

Aflac Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Aflac Incorporated's current stock value. Our valuation model uses many indicators to compare Aflac Incorporated value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Aflac Incorporated competition to find correlations between indicators driving Aflac Incorporated's intrinsic value. More Info.
Aflac Incorporated is rated fourth in return on equity category among its peers. It also is rated fourth in return on asset category among its peers reporting about  0.15  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Aflac Incorporated is roughly  6.83 . At this time, Aflac Incorporated's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Aflac Incorporated by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Aflac Incorporated Systematic Risk

Aflac Incorporated's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Aflac Incorporated volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Aflac Incorporated correlated with the market. If Beta is less than 0 Aflac Incorporated generally moves in the opposite direction as compared to the market. If Aflac Incorporated Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Aflac Incorporated is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Aflac Incorporated is generally in the same direction as the market. If Beta > 1 Aflac Incorporated moves generally in the same direction as, but more than the movement of the benchmark.

Aflac Incorporated Thematic Clasifications

Aflac Incorporated is part of several thematic ideas from FinTech to Insurance. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Aflac Incorporated Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Aflac Incorporated's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Aflac Incorporated growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.81

At this time, Aflac Incorporated's Price Earnings To Growth Ratio is quite stable compared to the past year.

Aflac Incorporated January 20, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Aflac Incorporated help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Aflac Incorporated. We use our internally-developed statistical techniques to arrive at the intrinsic value of Aflac Incorporated based on widely used predictive technical indicators. In general, we focus on analyzing Aflac Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Aflac Incorporated's daily price indicators and compare them against related drivers.
When determining whether Aflac Incorporated is a strong investment it is important to analyze Aflac Incorporated's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Aflac Incorporated's future performance. For an informed investment choice regarding Aflac Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Aflac Incorporated. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
For more information on how to buy Aflac Stock please use our How to buy in Aflac Stock guide.
You can also try the Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.
Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Aflac Incorporated. If investors know Aflac will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Aflac Incorporated listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.144
Dividend Share
1.92
Earnings Share
6.73
Revenue Per Share
30.368
Quarterly Revenue Growth
(0.40)
The market value of Aflac Incorporated is measured differently than its book value, which is the value of Aflac that is recorded on the company's balance sheet. Investors also form their own opinion of Aflac Incorporated's value that differs from its market value or its book value, called intrinsic value, which is Aflac Incorporated's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Aflac Incorporated's market value can be influenced by many factors that don't directly affect Aflac Incorporated's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Aflac Incorporated's value and its price as these two are different measures arrived at by different means. Investors typically determine if Aflac Incorporated is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Aflac Incorporated's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.