AFL

SELL

AFLAC Incorporated

Financial Services · Rank #134 · Analyzed Jul 13, 2026

$121.91

Current Price

$97.85

Intrinsic Value

-19.7%

Upside/Downside

3.5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 19.7%

Fair Value Range

Low$46.35

Base (IV)$97.85

High$117.42

Entry Points

Conservative$32.45

Moderate$46.35

Aggressive$68.49

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity16.5% → 1.0/1.0

Debt LevelD/E 48 → 0.5/1.0

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

Moat Strength4.0/5 → 1.0/1.0

Profit Margins25.6% → 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.