AFLAC Incorporated (AFL) Stock Analysis
Range Bound setup
Financial Services · Insurance - Life
Sell if holding. Analyst target reached at $112.31 — A.R:R is negative (-2.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Geographic: Japan (53.0%).
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... Read more
Sell if holding. Analyst target reached at $112.31 — A.R:R is negative (-2.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Geographic: Japan (53.0%). Chart setup: RSI 56 mid-range, Bollinger mid-band. Score 4.6/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicJapan53%10-K Item 1A: 'Aflac Japan's adjusted revenues accounted for 53% of the Company's total adjusted revenues in 2025'
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
Revenue shrinking — -9.9% YoY. Growth thesis broken unless recovery story develops.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $112.31 — A.R:R is negative (-2.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Geographic: Japan (53.0%). Chart setup: RSI 56 mid-range, Bollinger mid-band. Prior stop was $107.72. Score 4.6/10, moderate confidence.
Take-profit target: $114.72 (+2.1% upside). Prior stop was $107.72. Stop-loss: $107.72.
Concentration risk — Geographic: Japan (53.0%); Analyst target reached - limited upside remaining; Consecutive earnings misses (2).
AFLAC Incorporated trades at a P/E of 13.3 (forward 15.0). TrendMatrix value score: 6.0/10. Verdict: Sell.
22 analysts cover AFL with a consensus score of 2.8/5. Average price target: $112.
What does AFLAC Incorporated do?Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in...
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.