# Aflac - AFLAC Incorporated Common Stock (AFL)

Stock code AFL · Yahoo ticker AFL · Sector: Financial Services

Overall fundamentals score: 52/100 (Okay). Bottom 48% of scored stocks.

## Pillar scores

| Pillar | Score | Status |
|---|---|---|
| Business Strength | 63/100 | Okay |
| Financial Safety | 100/100 | Strong |
| Cash & Dividends | 25/100 | Weak |
| Price Fairness | 17/100 | Weak |
| Risk | 63/100 | Okay |

## Every measure

Aflac (AFL): Overall score: 52/100 (Okay)

Business Strength: 63/100 (Okay)
Return on Equity (ROE) 16% - Strong
4-Year Revenue Growth -1%/yr - Weak
4-Year Profit Growth +1%/yr - Okay
Net Profit Margin 27% - Strong

Financial Safety: 100/100 (Strong)
Debt-to-Equity 0.3× - Strong
Interest Coverage 24.9× - Strong

Cash & Dividends: 25/100 (Weak)
Dividend Quality 2% - Weak
Operating Cash Flow Positive but bumpy - Okay

Price Fairness: 17/100 (Weak)
P/E Ratio 12.8× - Okay
P/B Ratio 2.1× - Weak
PEG Ratio 8.9 - Weak

Risk: 63/100 (Okay)
Earnings Consistency Steady - Strong
Debt Trend (4yr) Rising - Weak
Share Count Trend (4yr) -5%/yr - Strong
Asset Turnover Trend (4yr) +6.1% - Okay

## Common questions

### What is Aflac's fundamentals score?

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.

### Which pillar is Aflac strongest and weakest on?

Its strongest pillar is Financial Safety (100/100); its weakest is Price Fairness (17/100).

### How does Aflac rank against its sector?

Aflac ranks #43 of 56 scored Financial Services stocks on Score Your Stock.

### Does Aflac pay dividends?

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.

### How do I buy Aflac shares?

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.

### How is this score calculated?

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.

### What is Aflac (AFL), in plain English?

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

Market data as of 31 Oct 2026.
Full page with charts and explanations: https://scoreyourstock.com/stocks/us/afl-aflac
Educational tool, not investment advice. Data isn't real-time.