US stock · figures in US dollars · scored on full-year results
Aflac AFLAC Incorporated Common Stock
Aflac scores 52/100 on fundamentals: in the bottom 48% of 503 scored S&P 500 stocks. Its strongest area is Financial Safety (100/100); its weakest is Price Fairness (17/100). It carries 2 warning flags: Weak Spot, Limited Data.
- Carries a Weak Spot flag
- Carries a Limited Data flag
A financially strong stock, but price fairness needs attention.
Nearby peers
Ranks #43 of 56 in Financial Services by score
One-Minute Summary
Why Aflac scores 52
A financially strong stock, but price fairness needs attention.
Business Strength
63Why 63?
No data: Quarterly Momentum
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales have been roughly flat for 4 years: the business isn't really growing, just maintaining.
Profit has moved sideways: stable, but not compounding your money faster each year.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales fell about 18.4% over the last 8 quarters: worth watching why.
The company made a loss in at least one of the last 8 quarters: the bars below zero are losses, not profits.
Financial Safety
100Why 100?
No data: Current Ratio
Show chart
Debt vs Equity, with D/E ratio
Borrowings grew about 18.5% over 4 years: watch this; rising debt adds pressure in bad times.
Cash & Dividends
25Why 25?
No data: Free Cash Flow · Cash & Cash Equivalents
Show 2 charts
Cash vs Total Debt
Dividends per Share, with Yield
Dividends were cut during this period: payouts here are not guaranteed pocket money.
Price FairnessLowest pillar
17Why 17?
Show chart
Share Price: Weekly Closes (not part of the score)
The share price is up about 18% over the past year.
Risk
63Why 63?
No data: Inventory vs Sales (4yr) · Quarterly Consistency
Sector peers
Aflac (AFL) scores 52/100 (Okay) on Score Your Stock's educational fundamentals model: in the bottom 48% of 503 scored S&P 500 stocks.
Its strongest pillar is Financial Safety (100/100); its weakest is Price Fairness (17/100).
Aflac ranks #43 of 56 scored Financial Services stocks on Score Your Stock.
Yes. Aflac (AFL) has a dividend yield of 2%, from dividends with an ex-date in the last 12 months. It pays out 25% of its profit as dividends. Its Cash & Dividends pillar scores 25/100.
From Malaysia, open an account with a broker that offers US shares (many local and app-based brokers do), convert ringgit to US dollars, then buy AFL. US shares trade one share at a time, not in lots of 100. Check the currency conversion fee and US dividend tax (usually 30% withheld for Malaysians) before you buy.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk. It uses the same rules as our Bursa scores. For banks, Financial Safety checks nonaccrual (impaired) loans, loan loss coverage and the CET1 capital ratio, from the FDIC call report of the group's main bank. Full methodology and the default weights: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
Aflac (AFL) is a Financial Services company (Insurance - Life). On Score Your Stock's fundamentals check, it scores 52/100, rated Okay. Its biggest strength is Financial Safety (100/100); its main watch-out is Price Fairness (17/100). Shares currently cost about 13 years of its current profit to buy (P/E 12.8×). It also pays back about 1.9% of the share price as dividends each year. Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/us/afl-aflac
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Cash | Total Debt | Equity | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Interest Coverage | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio | PEG Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | US$ 18.3b | US$ 4.9b | US$ 2.6b | US$ 6.1b | US$ 8.7b | US$ 30.3b | US$ 116.0b | US$ 85.6b | - | 16% | 27% | 0.3× | 24.9× | 25% | - | - | - | - |
| 2025 | US$ 17.4b | US$ 3.6b | US$ 2.6b | US$ 6.2b | US$ 8.4b | US$ 29.5b | US$ 116.5b | US$ 87.0b | US$ 232.0m | 12% | 21% | 0.3× | 21.6× | 33% | 2% | 15.4× | 1.9× | - |
| 2024 | US$ 19.1b | US$ 5.4b | US$ 2.7b | US$ 6.2b | US$ 7.5b | US$ 26.1b | US$ 117.6b | US$ 91.5b | US$ 200.0m | 21% | 28% | 0.3× | 33.6× | 20% | 2% | 10.0× | 2.1× | 1.2 |
| 2023 | US$ 18.8b | US$ 4.7b | US$ 3.2b | US$ 4.3b | US$ 7.4b | US$ 22.0b | US$ 126.7b | US$ 104.7b | US$ 168.0m | 21% | 25% | 0.3× | 28.0× | 21% | 2% | 9.7× | 2.1× | - |