Overview
Aflac Incorporated, based in the United States, operates predominantly in the insurance industry, specializing in supplemental health and life insurance products. Its primary business focuses on providing voluntary supplemental health and life insurance, primarily in Japan and the U.S., making it a leader in the sale of insurance policies that pay cash benefits to policyholders who are sick or injured. Aflac's key projects include the continuous enhancement of its insurance product portfolio and an increased emphasis on digital transformation efforts aimed at streamlining the customer experience. Innovations in cancer insurance and a robust technological platform for policy management are among the notable initiatives that have been prioritized to maintain and grow its market share.
Basic Stats
The share price of Aflac Incorporated - Depositary Receipt (Common Stock) as of September 4, 2025 is R$588.16 / share. This is an increase of 3.58% from the prior week. The market cap (or net worth) of Aflac Incorporated - Depositary Receipt (Common Stock) as of September 5, 2025 is R$314,553.26 MM.
The Factor Analysis chart (below right) shows a view of Aflac Incorporated - Depositary Receipt (Common Stock) from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | 314,553.26 MM |
| EV | |
| Shares Out. | 534.81 MM |
| Earnings Date | |
| EPS (TTM) | 4.56 |
| Dividend Yield | |
| Ex-Dividend Date | |
| Borrow Rate | |
| Short Shares Avail. | |
| Short Interest | |
| Short Float | |
| Days to Cover | |
| Risk Free Rate | 4.17 % |
| Price Change (1 yr) | 20.28 % |
| Volatility (1 yr) | 0.28 |
| Beta | 0.12 |
| Sharpe Ratio (1 yr) | 0.58 |
| Sortino Ratio (1 yr) | 2.08 |
| PE Ratio | |
| Price/Book | |
| Price/TBV | |
| Book/Market | |
| EBIT/EV | |
| EBIT(3yr avg)/EV | |
| ROA | 0.02 |
| ROE | 0.09 |
| ROIC | 0.06 |
| CROIC | 0.02 |
| OCROIC | 0.06 |
| Implied Volatility | |
| Put/Call OI Ratio |
| Growth | 25.81 /100 |
| Profitability | 60.31 /100 |
| Quality Score | 39.46 /100 |
| Value Score | |
| Momentum Score | 42.33 /100 |
| Stability (Low Vol) Score | 76.33 /100 |
| Analyst Sentiment | 22.93 /100 |
| Fund Sentiment | |
| Insider Sentiment | |
| Officer Sentiment | |
| Dividend Score | |
| QVM Score | |
| Piotroski F-SCORE | 5.00 /9 |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for Aflac Incorporated - Depositary Receipt (Common Stock) is R$621.04. The forecasts range from a low of R$539.92 to a high of R$736.34. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for Aflac Incorporated - Depositary Receipt (Common Stock). An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2024-07-11 | B of A Securities | Buy | Buy | Maintains |
| 2024-07-02 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-06-28 | Jefferies | Hold | Hold | Maintains |
| 2024-06-28 | Piper Sandler | Overweight | Overweight | Maintains |
| 2024-05-10 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2024-05-03 | Truist Securities | Hold | Hold | Maintains |
| 2024-04-15 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2024-04-11 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2024-04-10 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2024-04-05 | Piper Sandler | Overweight | Overweight | Maintains |
| 2024-03-01 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2024-02-06 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2024-02-02 | Raymond James | Outperform | Outperform | Maintains |
| 2024-01-10 | UBS | Neutral | Neutral | Maintains |
| 2024-01-09 | Goldman Sachs | Sell | Sell | Maintains |
| 2024-01-04 | Evercore ISI Group | In-Line | Underperform | Downgrade |
| 2023-11-15 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2023-11-02 | JP Morgan | Neutral | Neutral | Maintains |
| 2023-09-26 | Raymond James | Outperform | Outperform | Maintains |
| 2023-09-14 | Jefferies | Hold | Hold | Maintains |
| 2023-08-18 | Morgan Stanley | Overweight | Equal-Weight | Downgrade |
| 2023-08-15 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2023-08-09 | Citigroup | Neutral | Neutral | Maintains |
| 2023-08-03 | Truist Securities | Hold | Hold | Maintains |
| 2023-08-02 | JP Morgan | Neutral | Neutral | Maintains |
| 2023-08-02 | Morgan Stanley | Overweight | Overweight | Maintains |
| 2023-07-17 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2023-06-09 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Reiterate |
| 2023-06-05 | B of A Securities | Buy | Reiterate | |
| 2023-06-02 | Morgan Stanley | Overweight | Overweight | Maintains |
| 2023-04-27 | Morgan Stanley | Overweight | Maintains | |
| 2023-04-25 | Wells Fargo | Equal-Weight | Initiate | |
| 2023-04-12 | Morgan Stanley | Overweight | Maintains | |
| 2023-02-24 | Morgan Stanley | Overweight | Maintains | |
| 2023-02-06 | Truist Securities | Hold | Maintains | |
| 2023-02-02 | Morgan Stanley | Overweight | Maintains | |
| 2023-01-30 | Raymond James | Outperform | Maintains | |
| 2023-01-10 | Morgan Stanley | Overweight | Maintains | |
| 2023-01-06 | JP Morgan | Neutral | Maintains | |
| 2022-11-18 | Piper Sandler | Overweight | Maintains | |
| 2022-11-17 | Morgan Stanley | Overweight | Maintains | |
| 2022-11-16 | Raymond James | Outperform | Maintains | |
| 2022-11-16 | RBC Capital | Sector Perform | Maintains | |
| 2022-11-02 | RBC Capital | Sector Perform | Maintains | |
| 2022-11-01 | Morgan Stanley | Overweight | Maintains | |
| 2022-10-31 | Raymond James | Outperform | Maintains | |
| 2022-08-17 | Morgan Stanley | Overweight | Maintains | |
| 2022-07-08 | Piper Sandler | Overweight | Maintains | |
| 2022-07-06 | Evercore ISI Group | In-Line | Maintains | |
| 2022-07-06 | Morgan Stanley | Overweight | Maintains | |
| 2022-05-24 | Citigroup | Neutral | Initiate | |
| 2022-04-06 | Piper Sandler | Overweight | Maintains | |
| 2022-02-22 | Morgan Stanley | Overweight | Maintains | |
| 2022-02-07 | Raymond James | Outperform | Maintains | |
| 2022-01-21 | Wolfe Research | Peer Perform | Initiate | |
| 2022-01-07 | Morgan Stanley | Overweight | Maintains | |
| 2021-12-03 | Goldman Sachs | Sell | Initiate | |
| 2021-11-17 | RBC Capital | Sector Perform | Maintains | |
| 2021-10-14 | Morgan Stanley | Overweight | Maintains | |
| 2021-06-21 | Citigroup | Sell | Maintains | |
| 2021-05-19 | Morgan Stanley | Overweight | Maintains | |
| 2021-04-29 | Morgan Stanley | Overweight | Maintains | |
| 2021-04-21 | UBS | Neutral | Initiate | |
| 2021-04-05 | Raymond James | Outperform | Maintains | |
| 2021-04-01 | Morgan Stanley | Overweight | Maintains | |
| 2021-02-25 | Credit Suisse | Neutral | Maintains | |
| 2021-02-25 | Morgan Stanley | Overweight | Maintains | |
| 2021-02-08 | Truist Securities | Hold | Maintains | |
| 2021-01-12 | Morgan Stanley | Equal-Weight | Overweight | Upgrade |
| 2021-01-08 | Evercore ISI Group | Underperform | In-Line | Upgrade |
| 2020-11-19 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-11-18 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-10-06 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-09-22 | Credit Suisse | Neutral | Maintains | |
| 2020-07-30 | SunTrust Robinson Humphrey | Hold | Maintains | |
| 2020-07-29 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-07-06 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-05-01 | SunTrust Robinson Humphrey | Hold | Maintains | |
| 2020-04-30 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-04-27 | Credit Suisse | Neutral | Maintains | |
| 2020-04-17 | Raymond James | Outperform | Maintains | |
| 2020-04-03 | Piper Sandler | Overweight | Maintains | |
| 2020-03-20 | RBC Capital | Underperform | Sector Perform | Upgrade |
| 2020-03-17 | Morgan Stanley | Equal-Weight | Maintains | |
| 2020-03-10 | Piper Sandler | Overweight | Maintains | |
| 2020-02-27 | Piper Sandler | Overweight | Maintains | |
| 2020-01-23 | B of A Securities | Neutral | Maintains | |
| 2019-12-05 | Raymond James | Outperform | Maintains | |
| 2019-10-10 | UBS | Neutral | Maintains | |
| 2019-08-23 | Barclays | Equal-Weight | Maintains | |
| 2019-07-29 | Raymond James | Strong Buy | Outperform | Downgrade |
| 2019-07-26 | Morgan Stanley | Equal-Weight | Maintains | |
| 2019-07-16 | Evercore ISI Group | In-Line | Underperform | Downgrade |
| 2019-07-10 | Morgan Stanley | Equal-Weight | Maintains | |
| 2019-06-18 | Raymond James | Strong Buy | Maintains | |
| 2019-05-22 | Barclays | Equal-Weight | Maintains | |
| 2019-04-30 | Raymond James | Strong Buy | Strong Buy | Maintains |
| 2019-04-30 | UBS | Neutral | Neutral | Maintains |
| 2019-01-02 | JP Morgan | Overweight | Neutral | Downgrade |
| 2018-11-13 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2018-09-27 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2018-08-17 | Credit Suisse | Neutral | Neutral | Maintains |
| 2018-08-07 | B. Riley FBR | Neutral | Neutral | Maintains |
| 2018-08-01 | Sandler O'Neill | Hold | Buy | Upgrade |
| 2018-04-25 | Credit Suisse | Neutral | Initiate | |
| 2018-03-27 | JP Morgan | Overweight | Overweight | Maintains |
| 2018-03-27 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2018-03-21 | Barclays | Equal-Weight | Equal-Weight | Maintains |
| 2018-03-02 | UBS | Neutral | Initiate | |
| 2018-01-22 | Raymond James | Outperform | Strong Buy | Upgrade |
| 2017-11-13 | Morgan Stanley | Equal-Weight | Maintains | |
| 2017-10-18 | Goldman Sachs | Neutral | Initiate | |
| 2017-09-26 | Citigroup | Neutral | Sell | Downgrade |
| 2017-09-08 | Bank of America | Neutral | Underperform | Downgrade |
| 2017-08-11 | Barclays | Equal-Weight | Maintains | |
| 2017-07-03 | Barclays | Equal-Weight | Maintains | |
| 2017-04-18 | Raymond James | Market Perform | Outperform | Upgrade |
| 2017-04-06 | Bank of America | Underperform | Neutral | Upgrade |
| 2017-02-27 | JP Morgan | Neutral | Overweight | Upgrade |
| 2017-01-26 | Citigroup | Neutral | Initiate | |
| 2016-12-09 | RBC Capital | Sector Perform | Underperform | Downgrade |
| 2016-12-05 | Deutsche Bank | Hold | Maintains | |
| 2016-10-07 | Credit Suisse | Underperform | Initiate | |
| 2016-08-01 | SunTrust Robinson Humphrey | Neutral | Maintains | |
| 2016-08-01 | Deutsche Bank | Hold | Maintains | |
| 2016-07-07 | Deutsche Bank | Hold | Maintains | |
| 2016-05-20 | Keefe Bruyette & Woods | Outperform | Market Perform | Downgrade |
| 2016-05-10 | FBR Capital | Outperform | Market Perform | Downgrade |
| 2016-04-14 | Macquarie | Neutral | Outperform | Upgrade |
| 2016-02-04 | Citigroup | Buy | Maintains | |
| 2016-02-04 | Deutsche Bank | Hold | Maintains | |
| 2016-02-02 | Barclays | Equal-Weight | Maintains | |
| 2016-01-14 | Deutsche Bank | Hold | Maintains | |
| 2015-09-10 | Citigroup | Neutral | Buy | Upgrade |
| 2015-08-27 | Keefe Bruyette & Woods | Market Perform | Outperform | Upgrade |
| 2015-07-15 | Deutsche Bank | Hold | Maintains | |
| 2015-05-26 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2015-05-26 | Citigroup | Neutral | Maintains | |
| 2015-05-15 | Goldman Sachs | Neutral | Initiate | |
| 2015-04-30 | Deutsche Bank | Hold | Maintains | |
| 2015-04-22 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2015-04-09 | Deutsche Bank | Hold | Maintains | |
| 2015-02-04 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2015-01-07 | Deutsche Bank | Hold | Maintains | |
| 2014-12-15 | Keefe Bruyette & Woods | Market Perform | Maintains | |
| 2014-11-07 | Bank of America | Buy | Neutral | Downgrade |
| 2014-10-08 | Citigroup | Neutral | Maintains | |
| 2014-10-07 | Bank of America | Buy | Maintains | |
| 2014-10-02 | Barclays | Equal-Weight | Maintains | |
| 2014-07-31 | Deutsche Bank | Hold | Maintains | |
| 2014-07-30 | Barclays | Equal-Weight | Maintains | |
| 2014-07-17 | Raymond James | Market Perform | Outperform | Upgrade |
| 2014-07-17 | Sterne Agee | Buy | Maintains | |
| 2014-07-07 | Drexel Hamilton | Buy | Initiate | |
| 2014-07-01 | JP Morgan | Neutral | Maintains | |
| 2014-05-23 | Barclays | Overweight | Equal-weight | Downgrade |
| 2014-04-07 | Citigroup | Neutral | Maintains | |
| 2014-01-06 | Credit Suisse | Outperform | Neutral | Downgrade |
| 2013-11-13 | Deutsche Bank | Hold | Maintains | |
| 2013-11-04 | Citigroup | Buy | Neutral | Downgrade |
| 2013-11-01 | Deutsche Bank | Hold | Maintains | |
| 2013-10-30 | Raymond James | Outperform | Market Perform | Downgrade |
| 2013-10-01 | FBR Capital | Market Perform | Outperform | Upgrade |
| 2013-07-18 | Deutsche Bank | Hold | Maintains | |
| 2013-06-14 | Sterne Agee | Buy | Maintains | |
| 2013-03-01 | Evercore Partners | Equal-Weight | Overweight | Upgrade |
| 2013-02-20 | Raymond James | Market Perform | Outperform | Upgrade |
| 2013-02-11 | Deutsche Bank | Hold | Maintains | |
| 2013-02-06 | Credit Suisse | Outperform | Maintains | |
| 2013-01-17 | Raymond James | Outperform | Market Perform | Downgrade |
| 2013-01-15 | Sterne Agee | Buy | Neutral | Downgrade |
| 2013-01-10 | Citigroup | Buy | Initiate | |
| 2013-01-09 | Citigroup | Buy | Initiate | |
| 2013-01-08 | Deutsche Bank | Hold | Initiate | |
| 2013-01-03 | Barclays | Overweight | Maintains | |
| 2013-01-03 | JP Morgan | Overweight | Neutral | Downgrade |
| 2012-10-01 | Barclays | Overweight | Maintains | |
| 2012-08-10 | UBS | Neutral | Maintains | |
| 2012-07-18 | UBS | Neutral | Initiate | |
| 2012-07-02 | Barclays | Overweight | Maintains | |
| 2012-05-25 | Bank oferica | Buy | Maintains | |
| 2012-04-25 | Sterne Agee | Buy | Maintains | |
| 2025-02-28 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2025-05-01 | Barclays | Underweight | Underweight | Maintains |
| 2024-11-05 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-04-02 | UBS | Neutral | Neutral | Maintains |
| 2025-04-02 | Piper Sandler | Overweight | Overweight | Maintains |
| 2025-04-02 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-08-14 | UBS | Neutral | Neutral | Maintains |
| 2024-10-02 | Piper Sandler | Overweight | Overweight | Maintains |
| 2025-01-14 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2024-09-26 | Evercore ISI Group | Underperform | Underperform | Maintains |
| 2025-05-06 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-01-23 | BMO Capital | Market Perform | Initiate | |
| 2024-09-04 | Barclays | Underweight | Initiate | |
| 2024-09-04 | B of A Securities | Buy | Buy | Maintains |
| 2024-12-04 | Evercore ISI Group | Underperform | Underperform | Maintains |
| 2024-11-01 | Truist Securities | Hold | Hold | Maintains |
| 2024-08-02 | Truist Securities | Hold | Hold | Maintains |
| 2024-07-23 | Citigroup | Neutral | Neutral | Maintains |
| 2024-10-03 | JP Morgan | Neutral | Neutral | Maintains |
| 2025-02-07 | Barclays | Underweight | Underweight | Maintains |
| 2025-02-07 | Piper Sandler | Overweight | Overweight | Maintains |
| 2024-08-01 | B of A Securities | Buy | Buy | Maintains |
| 2024-10-09 | TD Cowen | Hold | Initiate | |
| 2025-02-12 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2025-01-07 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-08-19 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2025-01-06 | Barclays | Underweight | Underweight | Maintains |
| 2024-08-12 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-01-10 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2024-10-10 | B of A Securities | Buy | Buy | Maintains |
| 2024-10-10 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-08-11 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-08-11 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2025-02-19 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-04-10 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2025-08-15 | Evercore ISI Group | Underperform | Underperform | Maintains |
| 2025-07-10 | Wells Fargo | Equal-Weight | Equal-Weight | Maintains |
| 2025-08-06 | UBS | Neutral | Neutral | Maintains |
| 2025-05-29 | Raymond James | Outperform | Outperform | Maintains |
| 2025-05-07 | Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintains |
| 2025-05-19 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2025-07-07 | Barclays | Underweight | Underweight | Maintains |
| 2025-07-08 | JP Morgan | Neutral | Neutral | Maintains |
| 2025-08-18 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
