Aflac (AFL)
NYSEFinancialsInsurance - LifeSnapshot 2026-07-08
$121.41-0.07%
Close 2026-07-08 · 1-day change
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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 2026-07-07.
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); 4 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.
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.
Aflac continues to emphasize third sector products in Japan, targeting new and younger customers.
Stated in 6 of last 6 quarters. Aflac Japan's net earned premiums were ¥252.6 billion for the quarter, reflecting a focus on third sector products. Despite recurring emphasis, the financials show limited progress in premium growth, indicating a need for further traction in this area.
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 68% of the time over the next year (vs 52% for the rest of the cohort, n=7357).
Over the trailing year it converted 0.63x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 58% for the rest of the cohort, n=6607).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
7 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 49% of the time over the next year (vs 51% for the rest of the cohort, n=3598).
Not investment advice. As of 2026-07-08.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“CEO: 'We continue to promote awareness for third sector protection to new and younger customers.'”
“CEO: 'We continue to focus on third sector products, including Miraito.'”
“CEO: 'We have continued to focus on third sector products.'”
“CEO: 'We have continued to focus on third sector products.'”
“CEO: 'We have continued to focus on third sector products.'”
“CEO: 'We have continued to focus on third sector products.'”
Aflac aims to maintain strong capital and cash flows to support its operations and shareholder returns.
Stated in 6 of last 6 quarters. Cash from operating activities was $968 million in 2026-Q1, up from $315 million in 2025-Q4, indicating strong capital generation. The company is delivering on its commitment to maintain strong capital and cash flows.
“CEO: 'We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management.'”
“CEO: 'We continue to generate strong capital and cash flows.'”
“CEO: 'We continue to generate strong capital and cash flows.'”
“CEO: 'We continue to generate strong capital and cash flows.'”
“CEO: 'We continue to generate strong capital and cash flows.'”
“CEO: 'We continue to generate strong capital and cash flows.'”
Aflac is committed to increasing dividends and repurchasing shares to return value to shareholders.
Stated in 6 of last 6 quarters. Aflac repurchased $800 million in shares in 2026-Q1, continuing its commitment to return value to shareholders. The company has consistently increased dividends and share repurchases, delivering on its capital allocation strategy.
“CEO: 'We repurchased $800 million in shares for the quarter and $3.5 billion for the year.'”
“CEO: 'We repurchased $750 million in shares for the quarter.'”
“CEO: 'We repurchased $1.0 billion in shares for the quarter.'”
“CEO: 'We repurchased $829 million in shares for the quarter.'”
“CEO: 'We repurchased $900 million in shares for the quarter.'”
“CEO: 'We repurchased $750 million in shares for the quarter.'”