AFL

Aflac Incorporated

Financial Services · $57.7B market cap

Share price

$111.54

close of Oct 3, 2026

Fair value

$192.96

Sticker Price

Payback Price

$77.19

buy price

Undervalued

AFL is Undervalued: at $111.54 it trades 42% below its fair value of $192.96. Its buy price (Payback Price) is $77.19, 31% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.0% a year✗

Equity per share growth12.0% a year✓

Sales growth0.2% a year✗

Free cash flow growth-3.7% a year✗

Return on invested capital1.1%✗

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Superinvestors

2 of the investors we track hold AFL. In Q1 2026, 1 added. Who we track

John Rogers

Ariel Investments · as of Q2 2026

$27.7M

236,216 shares

David Katz

Matrix Asset Advisors · as of Q2 2026

$734K

6,264 shares

Moves in Q1 2026

Added: John Rogers

Insider activity

Since Jun 11, 2026: no open-market purchases, 56 sales worth $60.8M and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Sales

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-15

Sold

$1.1M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-15

Sold

$470K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-09

Sold

$1.6M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-08

Sold

$244K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-08

Sold

$1.3M

Show all 56 sales

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-04

Sold

$18K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-04

Sold

$1.7M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-03

Sold

$2.4M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-02

Sold

$1.6M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-01

Sold

$479K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-09-01

Sold

$1.0M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-31

Sold

$1.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-28

Sold

$1.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-27

Sold

$52K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-27

Sold

$1.4M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-26

Sold

$1.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-25

Sold

$74K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-25

Sold

$1.4M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-24

Sold

$678K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-24

Sold

$915K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-21

Sold

$9K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-21

Sold

$1.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-20

Sold

$407K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-20

Sold

$1.1M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-19

Sold

$5K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-19

Sold

$95K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-19

Sold

$116K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-19

Sold

$179K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-19

Sold

$1.1M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-18

Sold

$72K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-18

Sold

$1.7M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-17

Sold

$148K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-17

Sold

$1.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-14

Sold

$15K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-14

Sold

$1.7M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-13

Sold

$1.6M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-12

Sold

$68K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-08-12

Sold

$1.5M

MOSKOWITZ JOSEPH L

director · 2026-08-10

Sold

$74K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-22

Sold

$520K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-22

Sold

$2.7M

MOSKOWITZ JOSEPH L

director · 2026-06-22

Sold

$906K

MOSKOWITZ JOSEPH L

director · 2026-06-22

Sold

$536K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-18

Sold

$316K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-18

Sold

$70K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-17

Sold

$108K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-17

Sold

$3.0M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-16

Sold

$976K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-16

Sold

$2.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-15

Sold

$82K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-15

Sold

$3.3M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-12

Sold

$117K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-12

Sold

$5.5M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-12

Sold

$627K

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-11

Sold

$3.1M

Japan Post Holdings Co., Ltd.

Owns 10%+ · 2026-06-11

Sold

$2.6M

Other filings

MOSKOWITZ JOSEPH L

director · 2026-06-22

Option exercise

$905K

About Aflac Incorporated

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…

Insurance - Life

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

Verdict

How we valued it

Business quality

Superinvestors

Insider activity

Sales

Other filings

About Aflac Incorporated