Aflac Incorporated
AFLFinancial ServicesNASDAQInsurance - Life
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Daily timeframePart of the financial services sector, Aflac Incorporated (AFL) is listed under Insurance - Life. At a $57.84B market cap, Aflac Incorporated ranks as a large-cap company within financial services. It operates in two segments, Aflac Japan and Aflac U.S.
Market Cap
$57.84B
Beta
0.62
P/E (TTM)
12.99
P/E (Fwd)
14.94
EPS (TTM)
$8.75
EPS (Fwd)
$7.60
ROE
16.5%
ROA
3.1%
Cash
$8.27B
Total Debt
$14.46B
Free CF
$4.92B
52W Change
10.5%
Annual Financials
Cash vs Debt
Aflac Incorporated carries $14.46B in total debt against $8.27B in cash reserves — debt is roughly 1.7x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company generates $4.92B in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 16.5% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 3.1% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $21.55B (2021) to $17.36B (2025), a 19% decline worth watching.
AFL's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. No single metric tells the full story. Reviewing AFL's risk profile alongside its fundamentals and technical indicators provides a more complete picture.