Aflac (AFL)
NYSEFinancialsInsurance - LifeSnapshot 2026-11-05
$126.24+0.75%
Close 2026-11-05 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-11-05
QuarterlyIQ Insights · AFL
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks AFL against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 50% of the last 2 guided quarters · -9.1% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
"We remain focused on more profitable growth and the tactical, opportunistic deployment of capital.
Stated in 8 of 8 supplied quarters. Management reported: “"We remain focused on more profitable growth and the tactical, opportunistic deployment of capital.” “"We continue to pursue more profitable growth and the tactical, opportunistic deployment of capital.” Revenue was $4.117 billion in 2026-Q2.
“"We remain focused on more profitable growth and the tactical, opportunistic deployment of capital.”
“"We continue to pursue more profitable growth and the tactical, opportunistic deployment of capital.”
“We have attracted new business through successful product initiatives, including Anshin Palette (medical insurance), Miraito (cancer insurance), and Tsumitasu (life insurance) in Japan and group volu…”
“This is part of our focus on more profitable growth through strong underwriting discipline and improved productivity of agents and brokers.”
“We continue to focus on more profitable growth through our stronger underwriting discipline and improving the productivity of agents and brokers.”
“We continue to focus on more profitable growth through our stronger underwriting discipline and improving the productivity of agents and brokers.”
“We continue to focus on more profitable growth through our stronger underwriting discipline and improving the productivity of agents and brokers.”
We treasure our 2026 milestone of 44 consecutive years of dividend increases.
Stated in 8 of 8 supplied quarters. Management reported: “We treasure our 2026 milestone of 44 consecutive years of dividend increases.” “We treasure our 2025 milestone of 43 consecutive years of dividend increases, and the Board set us on a path to extend this record in 2026.”
“We treasure our 2026 milestone of 44 consecutive years of dividend increases.”
In Japan, we have continued to address our customers' needs at different life stages through products including Anshin Palette (medical insurance), Miraito (cancer insurance) and Tsumitasu (savings-t…
Stated in 8 of 8 supplied quarters. Management reported: “In Japan, we have continued to address our customers' needs at different life stages through products including Anshin Palette (medical insurance), Miraito (cancer insurance) and Tsumitasu (savings-type life insurance).” “In Japan, we have secured new opportunities through successful product initiatives including Anshin Palette (medical insurance), Miraito (cancer insurance) and Tsumitasu (life insurance).”
We continue to deploy our balanced approach of investing in growth and driving long-term value while being there for our policyholders when they need us most."
Stated in 8 of 8 supplied quarters. Management reported: “We continue to deploy our balanced approach of investing in growth and driving long-term value while being there for our policyholders when they need us most."” “We intend to continue our balanced approach of investing in growth and driving long-term value."” Operating cash flow was $968.000 million in 2026-Q1.
“We continue to deploy our balanced approach of investing in growth and driving long-term value while being there for our policyholders when they need us most."”
Continue the balanced approach of returning capital to shareholders through dividend increases and opportunistic share repurchases.
Over the trailing year it converted 0.94x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
6 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.
“Sales were lower in the fourth quarter as we continue to focus on more profitable growth through our stronger underwriting discipline, in addition to re-engaging agents and brokers following stabiliz…”
“We treasure our 2025 milestone of 43 consecutive years of dividend increases, and the Board set us on a path to extend this record in 2026.”
“We treasure our 2025 milestone of 43 consecutive years of dividend increases, and the Board has set us on a path to extend this record when it increased the first quarter dividend 5.2% and declared t…”
“We treasure our 2025 milestone of 43 consecutive years of dividend increases and remain committed to extending this record, supported by our financial strength.”
“Especially as we celebrate Aflac's 70th anniversary this month, we treasure our 2025 milestone of 43 consecutive years of dividend increases and remain committed to extending this record, supported b…”
“We treasure our 2024 milestone of 42 consecutive years of dividend increases and remain committed to extending this record, supported by our financial strength.”
“We treasure our 2024 milestone of 42 consecutive years of dividend increases and remain committed to extending this record, supported by our financial strength.”
“We remain committed to extending this record, supported by our financial strength.”
“In Japan, we have continued to address our customers' needs at different life stages through products including Anshin Palette (medical insurance), Miraito (cancer insurance) and Tsumitasu (savings-t…”
“In Japan, we have secured new opportunities through successful product initiatives including Anshin Palette (medical insurance), Miraito (cancer insurance) and Tsumitasu (life insurance).”
“We have attracted new business through successful product initiatives, including Anshin Palette (medical insurance), Miraito (cancer insurance), and Tsumitasu (life insurance) in Japan and group volu…”
“We continue to promote awareness for third sector protection to new and younger customers through our innovative first sector product Tsumitasu , which was repriced for new policies effective in Sept…”
“Overall, I believe we have the right strategy to meet our customers' financial protection needs throughout their different life stages.”
“We have continued to actively concentrate on generating profitable growth in the U.S. and Japan with distribution strategies and refreshed products.”
“We have continued to focus on third sector products, including Miraito , our new cancer insurance product, while continuing to introduce these policies to new and younger customers through Tsumitasu…”
“We have continued to focus on third sector products as well as introducing these policies to new and younger customers.”
“We intend to continue our balanced approach of investing in growth and driving long-term value."”
“We intend to continue our balanced approach of investing in growth and driving long-term value."”
“"We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management.”
“"We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management.”
“"We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management.”
“"We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management.”
“"We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management.”