Aflac Incorporated (AFL)
NYSE · Financials · market cap 58.32B
Share price
$124.57
At the last nightly close
Intrinsic value
$97.62
A single conservative estimate.
Margin of safety
-21.6%
($97.62 − $124.57) ÷ $124.57
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above starts from the lower of the first two; the Graham Number never enters it.
The frame gives no credit for growth unless the company has earned it: only a return on invested capital that has beaten the cost of capital year after year earns a growth credit, and that credit is capped. A company that compounds will therefore usually read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-25.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 17.36B | 4.75B | 3.65B | 6.84 | n/a |
| 2024-FY | 19.13B | 6.61B | 5.44B | 9.68 | n/a |
| 2023-FY | 18.84B | 5.46B | 4.66B | 7.81 | n/a |
| 2022-FY | 19.15B | 5.09B | 4.42B | 6.96 | n/a |
| 2021-FY | 21.55B | 4.93B | 4.23B | 6.25 | n/a |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- AFL Stock| Aflac Incorporated Q1 2026 Earnings Callyoutube.com
- Aflac (AFL) Expected to Beat Earnings Estimates: Can the Stock Move Higher?finance.yahoo.com
- Aflac Incorporated (AFL) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
- Aflac (AFL) Research Report - StockStorystockstory.org
- Buy Aflac Stock – AFL Stock Quote Today & Investment Insights - Public.compublic.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on AFL.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.