AFL

SELL

AFLAC Incorporated

Financial Services · Rank #223 · Analyzed Apr 20, 2026

$114.52

Current Price

$87.26

Intrinsic Value

-8.6%

Upside/Downside

2.5/10

Score

2.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score2.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 8.6%

Fair Value Range

Low$45.79

Base (IV)$87.26

High$104.71

Entry Points

Conservative$45.79

Moderate$66.53

Aggressive$87.26

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity13.1% → 0.5/1.0

Debt LevelD/E 43 → 0.5/1.0

Revenue QualityGrowth -9.3%, margin Δ+0.0% → 0/1.0

Moat Strength2.5/5 → 0.5/1.0

Profit Margins21.2% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.