Aflac Incorporated (A1FL34) Fair Value & Analysis
Financial Services · BR · Market cap R$319B
Fair value as of: Jul 12, 2026
From 20 valuation models · updated 4 days ago
Share price +5.9% over the past month.
Price vs Fair Value (12 months)
12‑month range R$548.71 – R$628.06 · fair‑value band R$107.45 – R$179.08 · the R$626.95 price screens above the R$143.27 fair value. As of Jul 12, 2026.
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Aflac Incorporated (A1FL34) currently trades at R$626.95, while our model-based Fair Value estimate is R$143.27, implying the stock looks roughly 77.2% overvalued today. We read business quality at 65/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Aflac Incorporated generated revenue of R$18.1B at a net margin of 25.6%. Revenue grew 27.9% year over year. It earns a return on equity of 16.5%. Net debt stands at R$2.1B. Fundamentals as of Jul 12, 2026
Our scenario range runs from R$107.45 (bear case) to R$179.08 (bull case); at R$626.95, the current price sits above that range. The share trades about 3% below its 52-week high and 14% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 25% fair-value upside, at -77%, A1FL34 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 12, 2026. TTM = trailing twelve months.
About the company
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Aflac Incorporated reported revenue of R$17.2B in FY2025 versus R$21.5B in FY2021, a compound −5.5%/yr. Reported net income was R$3.6B in FY2025, compounding −3.7%/yr from FY2021.
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Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥36.44 | ¥72.88 | +100% |
| Ping An Insurance (Group) Company 601318 | ¥53.48 | ¥106.96 | +100% |
| AIA Group AAGIY | $37.78 | $30.44 | -19% |
| Manulife Financial Corporation MFC | C$57.04 | C$45.04 | -21% |
| China Pacific Insurance (Group) Co CHPXF | $3.65 | $5.65 | +55% |
| Great-West Lifeco Inc GWO | C$81.92 | C$69.65 | -15% |
| Life Insurance Corporation LICI | ₹423.35 | ₹590.43 | +39% |
| MetLife, Inc METB34 | R$433.86 | R$543.28 | +25% |
| Fubon Financial Holding 2881 | 118.00 TWD | 100.66 TWD | -15% |
| Cathay Financial Holding 2882 | 113.50 TWD | 109.24 TWD | -4% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.