Aflac (AFL)
NYSEFinancialsInsurance - LifeSnapshot 2026-10-30
$123.89+0.28%
Close 2026-10-30 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-10-30
Research Workspace
Put AFL beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Manage data breach impact in Japan: Direct metric needs a verified mapping.
View ThesisRevenue growth is accelerating — up about 14% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityManagement screens strong on capital allocation, the balance sheet.
View ManagementExpectations look high — what the market is pricing in runs ahead of what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskAFL's franchise must sustain earnings growth to support its peer premium. Revenue growth slowed from 27.9% in Q1 FY2026 to -1.0% in Q2 FY2026. Q2 non-GAAP earnings missed consensus, reinforcing the weaker growth picture. AFL trades at 2.1× P/B versus the 1.3× peer median, near its 2.0× history. The market prices in more growth than we forecast, leaving that peer premium to earn. Our model puts the next-quarter miss probability at 34.0%. The thesis is on watch; peer multiples imply a price about 24% below where it trades, and this read is provisional.
Trailing returns as of 2026-10-30. AFL is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 15 analysts currently covering AFL (as of Oct 2026).
Based on 5 Wall Street analysts offering 12-month price targets for AFL in the last 4 months.
Continue this research
Compare AFL with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
Compare now without an account. Saving and monitoring require an account.
| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| AFL Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-10-30. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Life & Health Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put AFL next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Earnings drop challenges growth objectives.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
Current $123.89
The last 12 months of price, then the range of analyst 12-month targets from today’s $123.89.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
A second lens on the 12-month fair value: for companies that score high on measured quality (profitability, balance-sheet safety, earnings stability), this read trusts more of today's profit margins instead of averaging them toward their multi-year history the way the headline number does. Shown alongside the fair value above, not in place of it. A diagnostic, not a price target or a buy/sell signal.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Focus on third sector products in Japan
Positive benefit ratio guidance supports Japan product focus.
Missed profit estimates challenge growth objectives.
Double miss in results challenges growth objectives.
Sales below estimates challenge growth objectives.
Dividend concerns may impact capital allocation strategy.
Campaign enhances product offerings in Japan.
Threatens: Focus on third sector products in Japan
Info leak may impact trust in third sector products.
