AFL:NYE-Aflac Incorporated (USD)

COMMON STOCK | Insurance-Life | NYE

Last Closing Price

USD 56.53

Change

+0.42 (+0.75)%

Market Cap

USD 38.14B

Volume

3.48M

Average Target Price

USD 51.58 (-8.76%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates through two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, income support, GIFT, and whole and term life insurance products, as well as WAYS and child endowment plans under saving type insurance products in Japan. The Aflac U.S. segment provides cancer, accident, short-term disability, critical care, hospital indemnity, dental, vision, long-term care and disability, and term and whole life insurance products in the United States. It sells its products through sales associates, brokers, independent corporate agencies, individual agencies, and affiliated corporate agencies. The company was founded in 1955 and is headquartered in Columbus, Georgia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-10 )

Largest Industry Peers for Insurance-Life

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LFC China Life Insurance Company L..

-0.04 (-0.39%)

USD120.28B 6.11 N/A
MET MetLife, Inc

-0.69 (-1.03%)

USD58.96B 54.80 N/A
PUK Prudential plc

-0.10 (-0.22%)

USD57.38B 27.36 N/A
MET-PA MetLife, Inc

-0.13 (-0.50%)

USD50.17B 21.07 N/A
MET-PE MetLife, Inc

N/A

USD49.20B 4.12 N/A
PRU Prudential Financial, Inc

+0.77 (+0.73%)

USD41.74B 15.75 N/A
MFC Manulife Financial Corporation

+0.24 (+1.13%)

USD41.29B 9.67 N/A
LNC Lincoln National Corporation

+0.06 (+0.09%)

USD13.25B 19.88 N/A
GL Globe Life Inc

-0.13 (-0.12%)

USD10.92B 15.52 N/A
PRI Primerica, Inc

-2.01 (-1.23%)

USD6.46B 15.90 N/A

ETFs Containing AFL

Symbol Name Weight Mer Price(Change) Market Cap
CORP PIMCO Investment Grade Co.. 0.00 % 0.20 %

-0.38 (-0.34%)

USD0.80B
CWS AdvisorShares Focused Equ.. 0.00 % 0.77 %

-0.02 (-0.04%)

USD0.03B
FHF:CA First Trust Nasdaq Clean .. 0.00 % 0.79 %

N/A

USD9.92M
FLI:CA CI U.S. & Canada Lifeco I.. 0.00 % 0.75 %

+0.05 (+0.47%)

USD0.09B
IAK iShares U.S. Insurance ET.. 0.00 % 0.42 %

-0.20 (-0.24%)

USD0.09B
VLIQ:XETRA Vanguard Global Liquidity.. 0.00 % 0.00 %

N/A

USD0.01B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance-Life)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 27.12% 78% C+ 79% C+
Dividend Return 0.74% 38% F 40% F
Total Return 27.86% 78% C+ 79% C+
Trailing 12 Months  
Capital Gain 59.64% 53% F 65% D
Dividend Return 3.30% 40% F 48% F
Total Return 62.95% 59% F 65% D
Trailing 5 Years  
Capital Gain 64.43% 80% B- 65% D
Dividend Return 14.08% 46% F 48% F
Total Return 78.50% 67% D+ 64% D
Average Annual (5 Year Horizon)  
Capital Gain 6.31% 82% B- 62% D-
Dividend Return 2.23% 47% F 53% F
Total Return 8.54% 76% C 61% D-
Risk Return Profile  
Volatility (Standard Deviation) 21.72% 82% B- 49% F
Risk Adjusted Return 39.32% 76% C 55% F
Market Capitalization 38.14B 65% D 93% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance-Life)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.21 82% B- 86% B
Price/Book Ratio 1.17 31% F 70% C-
Price / Cash Flow Ratio 6.40 47% F 59% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 18.82% 94% A 84% B
Return on Invested Capital 1.86% 17% F 37% F
Return on Assets 2.14% 89% B+ 50% F
Debt to Equity Ratio 23.54% 50% F 79% C+
Technical Ratios  
Short Ratio 3.30 47% F 29% F
Short Percent 1.60% 69% D+ 75% C
Beta 1.00 83% B 56% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.