ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Aflac, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.89%
2
The company declared negative results in Mar'25 after positive results in Dec'24
- NET SALES(HY) At USD 7,558 MM has Grown at -28.52%
- OPERATING CASH FLOW(Y) Lowest at USD 2,591 MM
- ROCE(HY) Lowest at 9.15%
3
With ROE of 13.64%, it has a expensive valuation with a 4.84 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 4.45%, its profits have fallen by -32.8%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Aflac, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Aflac, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Aflac, Inc.
1.03%
1.10
21.02%
S&P 500
18.34%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-5.00%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
18.17%
Dividend Payout Ratio
34.02%
Pledged Shares
0
Institutional Holding
70.44%
ROCE (avg)
0
ROE (avg)
17.89%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
36
Industry P/E
Price to Book Value
6.13
EV to EBIT
NA
EV to EBITDA
EV to Capital Employed
5.66
EV to Sales
7.81
PEG Ratio
NA
Dividend Yield
0.79%
ROCE (Latest)
ROE (Latest)
16.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET PROFIT(HY)
Higher at USD 3,018 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 2,240 MM
INTEREST(Q)
Highest at USD 61 MM
Here's what is working for Aflac, Inc.
Net Profit
Higher at USD 3,018 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Net Profit
At USD 3,018 MM has Grown at 66.83%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Aflac, Inc.
Operating Cash Flow
Lowest at USD 2,240 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Interest
Highest at USD 61 MM
in the last five periods and Increased by 7.02% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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