Aflac Incorporated (AFL)
Insurance - Life · Financial Services · $59.0B
Intrinsic Value (Consensus)
$130.31
Current Price
$115.50
Margin of Safety
+12.8%
12.8% Below Intrinsic Value
Value: $130
Price: $116
Valuation Model Estimates
Current Price: $115.50
DCF (Discounted Cash Flow)
$127.28
Graham Number
$107.02
Earnings Power Value
$110.71
Relative Value (P/E)
$176.25
Dividend Discount Model
Not applicable
—
Consensus Value
$130.31
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
55
Profitability
18/25
Strength
18/25
Valuation
15/25
Growth
4/25
Financial Health Signals
Declining revenue — top line is shrinking
Key Financials
- EPS (TTM)
- $8.81
- EPS (Forward)
- $8.99
- Book Value
- $57.76
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 12.4%
- Debt/Equity
- —
- Revenue Growth
- -9.3%
- Earnings Growth
- 2.0%
- Dividend Yield
- N/A
- Beta
- 0.61
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Data last updated: 2026-06-21
Source: Yahoo Finance