Aflac (AFL) Stock Price, Fundamentals & Analysis

What AFL does

Aflac (AFL) is a stock in the US Financial Services sector, in the Insurance - Life industry. The company, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments: Aflac Japan, which offers cancer, medical, nursing care, whole life, and GIFT insurance products in Japan, and Aflac U.S., which provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. It also offers hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. Aflac sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. The company was founded in 1955 and is headquartered in Columbus, United States.

Key numbers explained

• The current price is 115.23 USD, which is the latest traded price.
• The trailing P/E ratio of 12.4 shows how much investors pay per dollar of the last 12 months' earnings; a lower number can suggest the stock is priced more conservatively relative to recent earnings.
• The forward P/E ratio of 15.3 uses expected future earnings and is typically read as a measure of how the market values the company's growth outlook.
• The dividend yield of 2.13% represents the annual dividend payment as a percentage of the current price, a common way to compare income returns across stocks.
• The exDividendDate is Aug 19, 2026, the date on or after which a buyer is no longer entitled to the next dividend payment.
• The beta of 0.58 indicates the stock has historically moved less than the overall market, a measure often used to gauge volatility relative to a broad index like the S&P 500.
• The priceToBook of 1.91 compares the market price to the company's book value per share, a basic way to see whether the market values the company above or below its accounting net assets.
• The debt-to-equity ratio of 53.4% shows the proportion of debt financing relative to shareholders' equity, a common indicator of financial leverage.

Recent news

Recent headlines note that Aflac and Rachel Zoe made a bold fashion statement to prompt Americans to check for cancer. Other stories highlight Aflac among insurance stocks with two big profit engines backing the dividend, and a benchmarking of Aflac (NYSE:AFL) in the life insurance sector. Additional headlines mention former baseball and football star Brian Jordan and Aflac President Virgil Miller joining forces to show love and care to children and families at SSM Health Cardinal Glennon Children's Hospital in St. Louis.

What to watch

Investors tracking AFL often look at how insurance interest rates, healthcare costs, and regulatory changes in the United States and Japan affect the business. The mix of Aflac Japan and Aflac U.S. operations means currency movements and regional economic conditions can be relevant. Earnings reports, such as the upcoming release on Nov 4, 2026, and dividend policy decisions are standard points of attention for this kind of stock. For broader context, peers like Marsh McLennan (MRSH), KKR & Co. (KKR), Everest Group (EG), and Bank of America (BAC) operate in related financial services areas.