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Aflac Incorporated and its subsidiaries (the Company) desire to take advantage of these provisions. This report contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by Company officials in communications with the financial community and contained in documents filed with or …
$124.29
$0.43 (-0.34%)
Live · 05:22 PM
21.48% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue declined 9.1% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Net income declined 33% YoY, profitability momentum has weakened.
14.2x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$17.91B
▼ -9.1% YoY
Net Income (TTM)
$4.64B
▼ -33.0% YoY
Net Margin
25.88%
P/E
14.2x
Balance Sheet
Total Assets
$116.28B
Equity
$29.96B
Total Debt
$86M
Cash & Equiv.
$5.65B
5Y CAGR: -5.2%
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At a P/E of 14.2, Aflac (AFL)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Aflac scores 80/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Aflac scores 80 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Aflac pays a regular dividend of about $2.32 per share per year (typically in quarterly installments), a yield of roughly 1.9% at the current price. That is a payout ratio of about 25.8% of earnings, so the dividend is amply covered by earnings. Aflac has grown the dividend at roughly 8.8% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AFL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh AFL's valuation and scores 80/100 on quality (high-quality). It also yields about 1.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.