Aflac Incorporated
AFLFinancial ServicesNASDAQInsurance - Life
Scan Results
Daily timeframeAflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company carries a $62.62B market cap, placing it firmly in the large-cap category. It operates in two segments, Aflac Japan and Aflac U.S.
Market Cap
$62.62B
Beta
0.60
P/E (TTM)
13.84
P/E (Fwd)
16.28
EPS (TTM)
$8.89
EPS (Fwd)
$7.56
ROE
16.5%
ROA
3.1%
Cash
$8.27B
Total Debt
$14.46B
Free CF
$4.92B
52W Change
21.3%
Annual Financials
Cash vs Debt
The company holds $8.27B in cash, though total debt stands at $14.46B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow comes in at $4.92B, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 16.5%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Aflac Incorporated's trajectory.