Aflac Incorporated (AFL)
NYSE · Financial Services · Insurance - Life
Profile
Aflac Incorporated
- Exchange
- NYSE
- Ticker
- AFL
- Sector
- Financial Services
- Industry
- Insurance - Life
- Country
- US
Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.
Key facts
Aflac Incorporated: key facts
- Aflac Incorporated (NYSE: AFL) is a Insurance - Life company in the Financial Services sector.
- In fiscal 2025, Aflac Incorporated reported revenue of $17.4B and net income of $3.6B.
- Revenue fell 5.2% a year over the last 4 fiscal years.
- Free cash flow was positive in 5 of the last 5 fiscal years.
- Net income was positive in 5 of the last 5 fiscal years.
- Over the last twelve months, revenue was $18.1B and net income was $4.9B.
MonkScore
Aflac Incorporated's MonkScore
MonkScore
MonkScore range: 50–60
as of October 2026
Sector rank: 375 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth30–40
- Profitability60–70
- Quality40–50
- Market Conviction60–70
- Safety70–80
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Aflac Incorporated's annual figures and the last twelve months, in USD. Last report: 30 June 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $18.1B | $17.4B | $19.1B | $18.8B | $19.2B | $21.5B |
| Gross profit | $9.8B | $6.8B | $6.8B | $18.8B | $19.2B | $21.5B |
| Operating income | $5.8B | $4.6B | $6.4B | $5.3B | $4.9B | $5.2B |
| Net income | $4.9B | $3.6B | $5.4B | $4.7B | $4.4B | $4.2B |
| Operating cash flow | $2.6B | $2.6B | $2.7B | $3.2B | $3.9B | $5.1B |
| Capital expenditure | $0.0 | $0.0 | $0.0 | $0.0 | $0.0 | $0.0 |
| Free cash flow | $2.6B | $2.6B | $2.7B | $3.2B | $3.9B | $5.1B |
| Total debt | $8.7B | $8.4B | $7.5B | $7.4B | $7.4B | $8.0B |
| Cash | $6.1B | $6.2B | $6.2B | $4.3B | $3.9B | $5.1B |
Revenue growth a year
- 1-year
- -8.8%
- 3-year
- -3.1%
- 4-year
- -5.2%
Compound growth between fiscal years.
Peers
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Page built on 31 October 2026.