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AFLAC Incorporated (AFL) Stock Analysis

Breakout setup

HoldVALUE-TRAP 1/5High Confidence

Financial Services · Insurance - Life

Hold if already holding. Not a fresh buy at $118.41, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.3% away).

Aflac provides supplemental health and life insurance in Japan (cancer, medical, nursing care) and the US (accident, disability, critical illness, hospital indemnity), with Aflac Japan as the principal earnings contributor and largest cancer/medical insurer in Japan. Aflac Japan... Read more

$118.41-0.8% A.UpsideScore 6.5/10#2 of 15 Insurance - Life
QualityF-score7 / 9FCF yield8.15%
IncomeYield2.06%(5y avg 2.17%)Payout26.86%sustainable
Stop $112.92Target $116.81(resistance)A.R:R -2.3:1
Analyst target$111.71-5.7%14 analysts
$116.81our TP
$118.41price
$111.71mean
$99
$126

Hold if already holding. Not a fresh buy at $118.41, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.3% away). Chart setup: Golden cross, above all MAs, RSI 58, MACD bullish. Maintain position. Not compelling to add more. Score 6.5/10, high confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 79d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Recent Developments — AFLAC Incorporated

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (1.3% away)

Key Metrics

P/E (TTM)13.6
P/E (Fwd)15.6
Mkt Cap$60.4B
EV/EBITDA11.3
Profit Mgn25.6%
ROE16.5%
Rev Growth27.9%
Beta0.62
Dividend2.06%
Rating analysts23

Quality Signals

Piotroski F7/9MoatWideCompounder

Options Flow

P/C0.16bullish
IV33%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.1
Support Resistance
1.4
52w Position
9.8
GatesA.R:R -2.3=NEGATIVEMomentum 7.4>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 79d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
58 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $108.99Resistance $119.19

Price Targets

$113
$117
A.Upside-1.4%
A.R:R-2.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-17.5% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-08-06 (79d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is AFL stock a buy right now?

Hold if already holding. Not a fresh buy at $118.41, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.3% away). Chart setup: Golden cross, above all MAs, RSI 58, MACD bullish. Maintain position. Not compelling to add more. Target $116.81 (-1.4%), stop $112.92 (−4.9%), A.R:R -2.3:1. Score 6.5/10, high confidence.

What is the AFL stock price target?

Take-profit target: $116.81 (-0.8% upside). Target $116.81 (-1.4%), stop $112.92 (−4.9%), A.R:R -2.3:1. Stop-loss: $112.92.

What are the risks of investing in AFL?

Analyst target reached - limited upside remaining; Near 52-week high (1.3% away).

Is AFL overvalued or undervalued?

AFLAC Incorporated trades at a P/E of 13.6 (forward 15.6). TrendMatrix value score: 7.0/10. Verdict: Hold.

What do analysts say about AFL?

23 analysts cover AFL with a consensus score of 2.8/5. Average price target: $112.

What does AFLAC Incorporated do?Aflac provides supplemental health and life insurance in Japan (cancer, medical, nursing care) and the US (accident,...

Aflac provides supplemental health and life insurance in Japan (cancer, medical, nursing care) and the US (accident, disability, critical illness, hospital indemnity), with Aflac Japan as the principal earnings contributor and largest cancer/medical insurer in Japan. Aflac Japan accounted for 53% of total adjusted revenues in 2025 and 76% of total assets; the company distributes through ~6,300 Japanese agencies and ~5,300 US agents/brokers.

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