# Aflac Incorporated (AFL)

- Sector: Financials · Industry: Insurance Life
- SEC CIK: 0000004977 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000004977))
- Full page: https://inspectstocks.com/stocks/afl
- Data as of: price 2026-09-25; newest filing used 2026-08-07; latest fiscal period ended 2026-06-30

## Grade

**A+** on the balance-sheet rubric used for lenders, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $4.9B |  |
| Earnings growing overall | passed | $4.9B | $4.8B |
| Earnings growing recently | passed | $4.9B | $3.6B |
| Earns well on its assets | passed | 4.2% |  |
| Book value per share growing | passed | $55.13 | $31.58 |

Business quality (the + / − mark): 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 26.9% |  |
| Healthy profit margin | passed | 26.9% |  |
| Strong operating margin | passed | 23.9% |  |
| Good return on equity | passed | 16.5% |  |
| Debt under control | passed | 0.00 |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $18.1B |
| Net income, trailing twelve months | $4.9B |
| Net margin | 26.9% |
| Return on equity | 16.5% |
| Debt to equity | 0.00 |
| Diluted EPS, trailing twelve months | $9.30 |
| Share price | $113.72 |
| Market value | $57B |
| Price / earnings | 12.2x |
| Price / sales | 3.2x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/afl)
- [Financial statements](https://inspectstocks.com/stocks/afl/financials)
- [Competitors](https://inspectstocks.com/stocks/afl/peers)
- [Earnings](https://inspectstocks.com/stocks/afl/earnings)

---

Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.