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Aflac Incorporated (AFL)AFL

Upturn stock ratingUpturn stock rating
Aflac Incorporated
$110
Delayed price
Profit since last BUY29.14%
Regular Buy
upturn advisory
BUY since 119 days
  • BUY Advisory
  • Profitable SELL
  • Loss-Inducing SELL
  • Profit
  • Loss ​
  • PASS (Skip invest)*​ ​
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

10/29/2024: AFL (3-star) is a REGULAR-BUY. BUY since 119 days. Profits (29.14%). Updated daily EoD!

Analysis of Past Performance​

Type: Stock
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Today’s Advisory: Regular Buy
Historic Profit: 21.79%
Upturn Advisory Performance Upturn Advisory Performance2
Avg. Invested days: 56
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Stock Returns Performance Upturn Returns Performance 3
Last Close 10/29/2024
Type: Stock
Today’s Advisory: Regular Buy
Historic Profit: 21.79%
Avg. Invested days: 56
Upturn Star Rating​ Upturn stock ratingUpturn stock rating
Stock Returns Performance Upturn Returns Performance 3
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 10/29/2024
Upturn Advisory Performance Upturn Advisory Performance2

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 61.60B USD
Price to earnings Ratio 11.58
1Y Target Price 102.64
Dividends yield (FY) 1.82%
Basic EPS (TTM) 9.5
Volume (30-day avg) 2164273
Beta 0.95
52 Weeks Range 73.83 - 115.50
Updated Date 10/29/2024
Company Size Large-Cap Stock
Market Capitalization 61.60B USD
Price to earnings Ratio 11.58
1Y Target Price 102.64
Dividends yield (FY) 1.82%
Basic EPS (TTM) 9.5
Volume (30-day avg) 2164273
Beta 0.95
52 Weeks Range 73.83 - 115.50
Updated Date 10/29/2024

Earnings Date

Report Date 2024-10-30
When AfterMarket
Estimate 1.68
Actual -
Report Date 2024-10-30
When AfterMarket
Estimate 1.68
Actual -

Profitability

Profit Margin 28.34%
Operating Margin (TTM) 40.27%

Management Effectiveness

Return on Assets (TTM) 3.23%
Return on Equity (TTM) 23.54%

Revenue by Products

Revenue by Products - Current and Previous Year

Revenue by Geography

Valuation

Trailing PE 11.58
Forward PE 15.62
Enterprise Value 67348288684
Price to Sales(TTM) 3.19
Enterprise Value to Revenue 3.47
Enterprise Value to EBITDA -
Shares Outstanding 560025984
Shares Floating 555002875
Percent Insiders 10.05
Percent Institutions 61.82
Trailing PE 11.58
Forward PE 15.62
Enterprise Value 67348288684
Price to Sales(TTM) 3.19
Enterprise Value to Revenue 3.47
Enterprise Value to EBITDA -
Shares Outstanding 560025984
Shares Floating 555002875
Percent Insiders 10.05
Percent Institutions 61.82

Analyst Ratings

Rating 3.07
Target Price 77.08
Buy 2
Strong Buy 1
Hold 9
Sell 1
Strong Sell 1
Rating 3.07
Target Price 77.08
Buy 2
Strong Buy 1
Hold 9
Sell 1
Strong Sell 1

AI Summarization

Aflac Incorporated: A Comprehensive Overview

Company Profile:

History and Background:

  • Founded in 1955 as American Family Life Assurance Company of Columbus, Georgia.
  • Initially focused on providing supplemental insurance to military personnel and their families.
  • Expanded its offerings to include various categories like critical illness, accident, cancer, and hospital-indemnity insurance.
  • Operates in the U.S., Japan, and select areas of Asia.
  • Currently ranks as the eleventh-largest life insurer and eleventh-largest property and casualty insurer in the U.S.

Core Business Areas:

  • Supplemental Insurance: Provides coverage for out-of-pocket medical expenses not covered by traditional health insurance.
  • Life Insurance: Offers various life insurance products with different terms and coverage amounts.
  • Accident Insurance: Pays benefits for specific non-employment-related accidents.
  • Cancer Insurance: Provides coverage for cancer-related expenses, including diagnosis and treatment costs.
  • Critical Illness Insurance: Offers financial assistance upon diagnosis of a covered critical illness.
  • Hospital Indemnity Insurance: Provides lump-sum payments for covered hospital stays.

Leadership and Corporate Structure:

  • Daniel Amos: Chairman and CEO
  • Katsuya Komiyama: President and COO
  • Richard Williams: Executive Vice President and CFO
  • Board of Directors: Comprises leading figures in finance, insurance, and business.
  • Corporate Structure: Consists of three subsidiaries and operates across segments like U.S. Individual Business, Japan Individual Business, and Aflac Global Investments.

Top Products and Market Share:

Top Products:

  • Cancer Indemnity Insurance: Aflac offers a wide range of cancer insurance plans with various riders and benefit options.
  • Hospital Indemnity Insurance: Aflac's hospital indemnity plans ensure coverage for unforeseen hospital stays offering financial and peace of mind.
  • Critical Illness Insurance: Provides significant financial protection upon the diagnosis of a critical illness.
  • Disability Insurance: Aflac's disability insurance options aid individuals in covering income loss incurred due to an illness or injury.

Market Share:

  • Global: Holding the leading position in supplemental insurance, Aflac boasts over 50% market share in Japan and a significantly strong presence in the U.S.
  • U.S.: Maintains a strong market share in multiple supplemental insurance categories in the U.S., particularly cancer and accident insurance.
  • Market Reception: Aflac enjoys consistently high customer satisfaction ratings demonstrating client approval of its products and services.

Total Addressable Market:

Market Size:

The global supplemental insurance market is estimated to reach $2.28 trillion by 2030, presenting a significant growth opportunity for Aflac. The significant portion of this market lies in the U.S., where the focus on supplementary health insurance remains strong.

Financial Performance:

Revenue and Profitability:

Aflac consistently displays robust financial performance. Year-over-year revenue growth, steady net income, and consistent profitability are key highlights. This reflects efficient operational systems, product line expansion, and strong profitability margins.

Financial statements and Balance Sheet Health:

Analysis of recent financial statements indicates financial strength and stability. Aflac displays robust cash flow generation capabilities contributing to its well-positioned balance sheet.

Dividends and Shareholder Returns:

Dividend History:

Aflac boasts an impressive track record of dividend payouts and continues to increase annual dividends year-over-year. The current dividend yield represents an income stream attractive to value-oriented investors.

Shareholder Returns:

Aflac delivers notable total shareholder returns exceeding market averages over various time periods, demonstrating its commitment to shareholder value generation.

Growth Trajectory:

Historical Growth:

Over the past 10 years, Aflac has achieved consistent organic growth through an emphasis on product innovation, strategic acquisitions, market expansion, and efficient cost management.

Future Growth Projections:

Positive industry trends, growing global demand for supplemental insurance, and continued penetration into new markets contribute to Aflac's optimistic future growth prospects. Its robust leadership and strategic initiatives further pave the way for achieving strong growth targets.

Market Dynamics:

Industry Trends:

Technological advancements, digitalization, and changing consumer preferences are driving the dynamics of the supplemental insurance industry. Aflac's proactive implementation of technology for product innovations and effective distribution enables it to adapt successfully to these trends.

Industry Position:

Aflac maintains a leading position within the supplemental insurance industry owing to its strong brand recognition, diversified product portfolio, and extensive regional presence. This puts it in an advantageous position to capitalize on emerging market opportunities.

Competitors:

Key competitors in Aflac's space include:

  • Prudential Financial (PRU)
  • MetLife (MET)
  • Colonial Life (COL)
  • Brighthouse Financial (BHF)
  • Lincoln National Corporation (LNC)

Market Share Comparison:

While Aflac holds the dominant position in supplemental insurance, competitors like Prudential and MetLife maintain a strong presence in traditional life insurance, presenting competition. Aflac's focus on niche markets and strong brand recall within its segment contribute to its edge in the supplemental insurance space.

Challenges and Opportunities:

Challenges:

  • Regulatory Changes: Evolving regulatory landscapes, particularly within the healthcare sector, can pose potential challenges to Aflac's business model.
  • Increasing Competition: The entry of new players and intensified competition in the supplemental insurance market could impact Aflac's future sales growth.
  • Technological Disruption: The rise of insurtech companies and the digital transformation of the insurance industry can pose challenges if not efficiently managed by Aflac.

Opportunities:

  • Market Expansion: Aflac offers strong global expansion potential in international markets with an aging population and rising middle class, driving increased demand for supplemental insurance.
  • Product Innovation: Aflac maintains significant opportunities to develop innovative products and services customized to emerging preferences and utilizing advances in healthcare technology.
  • Technological Embracing: Aflac can optimize distribution channels and enhance customer experiences by leveraging AI, predictive modeling, and digital customer engagement strategies.

Recent Acquisitions:

In the last three years, Aflac has not carried out any significant acquisitions. The company has focused on organic growth strategies including expanding its Japan, U.S., and emerging market customer reach and developing new digitally oriented product offerings.

AI-Based Fundamental Rating:

An AI-based analysis, taking into consideration financial health, market position, and future prospects, indicates a fundamental rating of 8.5 out of 10 for Aflac. Key data points favoring this rating include:

  • Strong earnings reports and growth projections
  • Dominant market share in niche markets
  • Consistent dividend increases
  • Successful global reach
  • Innovative product development initiatives

Sources and Disclaimers:

Data collected for this overview originated from various sources like quarterly and annual financial reports filed with the SEC, reputable public databases, industry reports, official pronouncements by the company, and news articles.

This overview was compiled for informational purposes only and does not constitute financial advice or professional investing recommendations. Thorough individual research and assessment are recommended before making any investment decisions regarding Aflac.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.​

About Aflac Incorporated

Exchange NYSE Headquaters Columbus, GA, United States
IPO Launch date 1984-07-19 President, Chairman & CEO Mr. Daniel Paul Amos
Sector Financial Services Website https://www.aflac.com
Industry Insurance - Life Full time employees 12785
Headquaters Columbus, GA, United States
President, Chairman & CEO Mr. Daniel Paul Amos
Website https://www.aflac.com
Website https://www.aflac.com
Full time employees 12785

Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. The company operates through Aflac Japan and Aflac U.S. segments. The Aflac Japan segment offers cancer, medical, nursing care, work leave, 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 illness, 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. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.

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