AFL

SELL

AFLAC Incorporated

Financial Services · Rank #192 · Analyzed Oct 18, 2026

$119.97

Current Price

$101.49

Intrinsic Value

-15.4%

Upside/Downside

3/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 15.4%

Fair Value Range

Low$47.06

Base (IV)$101.49

High$121.79

Entry Points

Conservative$32.94

Moderate$47.06

Aggressive$71.05

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity16.9% → 1.0/1.0

Debt LevelD/E 53 → 0.5/1.0

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

Moat Strength3.0/5 → 0.5/1.0

Profit Margins26.9% → 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.