AFL
Aflac Incorporated
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-9/100
Last price
113.82
▲ 1.44 (1.29%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
112.80
Prev close
112.38
Day high
113.85
Day low
112.02
Volume
1.92M
Market cap
$56.97B
P/E (TTM)
12.09
52W range
105.43 – 130.22
Day trading desk
Gap from prior close
+0.37%
Prior close 112.38
VWAP
113.56
+0.23% from price
Relative volume
1.57×
Unusually busy
Session range
1.63%
112.02 – 113.85
Position in range
99%
Near session high
ATR (14D)
1.71
1.50% of price
Prior day high
112.47
PDH
Prior day low
110.00
PDL
Bid / ask spread
—
Quote not published
Session volume
3.24M
Avg 2.06M
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.03%
-2.0%
1M
-3.05%
-4.2%
3M
-6.43%
-11.0%
6M
+2.81%
-15.4%
YTD
+3.05%
-11.2%
1Y
+1.17%
-15.3%
3Y
+48.05%
-34.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on AFL open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-1.45M
Net selling
Buy transactions
13
45.65K shares
Sell transactions
73
1.49M shares
Net transactions
+86
Buys less sells
Sell : buy shares
32.7 : 1
Heavily one-sided
Insider-held shares
54.61M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Oct 1, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 11.90K | $1.32M | Indirect |
| Sep 29, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.10K | $1.37M | Indirect |
| Sep 28, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.00K | $1.36M | Indirect |
| Sep 25, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.10K | $1.37M | Indirect |
| Sep 24, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.10K | $1.39M | Indirect |
| Sep 22, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.20K | $1.40M | Indirect |
| Sep 21, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.20K | $1.41M | Indirect |
| Sep 18, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.80K | $1.49M | Indirect |
| Sep 17, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 12.90K | $1.50M | Indirect |
| Sep 15, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 13.60K | $1.60M | Indirect |
| Sep 14, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 13.60K | $1.59M | Indirect |
| Sep 11, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 14.00K | $1.61M | Indirect |
| Sep 10, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 13.30K | $1.52M | Indirect |
| Sep 9, 26 | JAPAN POST HOLDINGS CO., LTD. Beneficial Owner of more than 10% of a Class of Security |
SELL | 13.60K | $1.56M | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
AMOS DANIEL P |
Chief Executive Officer | 2.54M | Stock Gift |
BOWERS WILLIAM PAUL |
Director | 75.67K | Stock Award(Grant) |
BRODEN MAX |
Chief Financial Officer | — | Stock Award(Grant) |
DYSLIN BRADLEY EUGENE |
Officer | 44.68K | Stock Award(Grant) |
JAPAN POST HOLDINGS CO., LTD. |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
KOIDE MASATOSHI |
Officer | 86.42K | Sale |
LAKE CHARLES D II |
Officer | 52.06K | Sale |
LLOYD KAROLE F. |
Director | 50.54K | Stock Award(Grant) |
MILLER VIRGIL RAYNARD |
Officer | 47.90K | Stock Award(Grant) |
TILLMAN AUDREY BOONE |
Officer | 275.63K | Stock Gift |
Fundamentals
Market cap$56.97B
Enterprise value$64.21B
Revenue (TTM)$18.07B
Gross profit$9.19B
EBITDA$6.06B
Net income$4.86B
EPS (TTM)$9.40
Free cash flow$5.15B
Total cash$8.94B
Total debt$16.18B
Book value / share$60.35
Shares outstanding501.34M
Float497.01M
Short % of float2.99%
Dividend yield2.17%
Beta (5Y)0.56
Valuation & profitability ratios
Trailing P/E12.09
Forward P/E14.99
PEG ratio1.18
Price / sales—
Price / book1.88
EV / revenue3.55
EV / EBITDA10.59
Gross margin50.89%
Operating margin25.72%
Profit margin26.91%
Return on equity16.91%
Return on assets3.13%
Debt / equity53.37
Current ratio0.89
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $17.36B | $19.13B | $18.84B | $19.15B | -9.3% |
| Operating revenue | $17.36B | $19.13B | $18.84B | $19.15B | -9.3% |
| Net interest income | -$220.00M | -$197.00M | -$195.00M | -$226.00M | -11.7% |
| Pre-tax income | $4.53B | $6.42B | $5.26B | $4.87B | -29.4% |
| Tax provision | $887.00M | $974.00M | $603.00M | $451.00M | -8.9% |
| Net income | $3.65B | $5.44B | $4.66B | $4.42B | -33.0% |
| Net income to common | $3.65B | $5.44B | $4.66B | $4.42B | -33.0% |
| Basic EPS | 6.84 | 9.68 | 7.81 | 6.96 | -29.3% |
| Diluted EPS | 6.82 | 9.63 | 7.78 | 6.93 | -29.2% |
| EBIT | $4.75B | $6.61B | $5.46B | $5.09B | -28.1% |
| Basic shares | 532.88M | 562.49M | 596.17M | 634.82M | -5.3% |
| Diluted shares | 534.88M | 565.01M | 598.75M | 637.65M | -5.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $6.25B | $6.23B | $4.31B | $3.94B | +0.3% |
| Cash & short-term investments | $70.40B | $71.50B | $77.60B | $79.68B | -1.5% |
| Accounts receivable | $835.00M | $779.00M | $848.00M | $647.00M | +7.2% |
| Property, plant & equipment | $351.00M | $387.00M | $445.00M | $530.00M | -9.3% |
| Total assets | $116.47B | $117.57B | $126.72B | $131.74B | -0.9% |
| Long-term debt | $8.33B | $7.40B | $7.24B | $7.29B | +12.5% |
| Total debt | $8.41B | $7.50B | $7.36B | $7.44B | +12.1% |
| Total liabilities | $86.98B | $91.47B | $104.74B | $111.60B | -4.9% |
| Retained earnings | $54.68B | $52.28B | $47.99B | $44.37B | +4.6% |
| Shareholder equity | $29.49B | $26.10B | $21.98B | $20.14B | +13.0% |
| Net tangible assets | $29.49B | $26.10B | $21.98B | $20.14B | +13.0% |
| Shares issued | 1.36B | 1.36B | 1.36B | 1.35B | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $3.65B | $5.44B | $4.66B | $4.42B | -33.0% |
| Change in working capital | -$1.16B | -$644.00M | -$1.65B | $222.00M | -80.0% |
| Operating cash flow | $2.56B | $2.71B | $3.19B | $3.88B | -5.6% |
| Investing cash flow | $1.56B | $2.78B | $817.00M | -$1.54B | -43.9% |
| Share buybacks | -$3.53B | -$2.80B | -$2.80B | -$2.40B | -26.1% |
| Dividends paid | -$1.20B | -$1.09B | -$966.00M | -$979.00M | -10.2% |
| Financing cash flow | -$4.07B | -$3.49B | -$3.72B | -$3.55B | -16.7% |
| Free cash flow | $2.56B | $2.71B | $3.19B | $3.88B | -5.6% |
| End cash position | $6.25B | $6.23B | $4.31B | $3.94B | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $4.19B | $4.41B | $4.89B | $4.79B | $4.22B | -4.9% |
| Operating revenue | $4.19B | $4.41B | $4.89B | $4.79B | $4.22B | -4.9% |
| Net interest income | -$64.00M | -$60.00M | -$61.00M | -$57.00M | -$52.00M | -6.7% |
| Pre-tax income | $995.00M | $1.23B | $1.57B | $1.99B | $822.00M | -18.8% |
| Tax provision | $170.00M | $206.00M | $193.00M | $355.00M | $223.00M | -17.5% |
| Net income | $825.00M | $1.02B | $1.38B | $1.64B | $599.00M | -19.0% |
| Net income to common | $825.00M | $1.02B | $1.38B | $1.64B | $599.00M | -19.0% |
| Basic EPS | 1.64 | 1.99 | 2.65 | 3.09 | 1.12 | -17.6% |
| Diluted EPS | 1.63 | 1.98 | 2.64 | 3.08 | 1.11 | -17.7% |
| EBIT | $1.06B | $1.28B | $1.63B | $2.05B | $874.00M | -17.6% |
| Basic shares | 504.12M | 513.07M | 520.39M | 530.05M | 536.69M | -1.7% |
| Diluted shares | 505.58M | 514.78M | 522.49M | 532.01M | 538.42M | -1.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $6.12B | $5.65B | $6.25B | $6.77B | $6.96B | +8.2% |
| Cash & short-term investments | $71.78B | $71.50B | $70.40B | $76.42B | $75.88B | +0.4% |
| Accounts receivable | $895.00M | $947.00M | $835.00M | $852.00M | $873.00M | -5.5% |
| Property, plant & equipment | $1.20B | $1.21B | $351.00M | $1.31B | $390.00M | -0.7% |
| Total assets | $115.96B | $116.28B | $116.47B | $122.31B | $124.74B | -0.3% |
| Current debt | — | — | — | $0 | $86.00M | — |
| Long-term debt | $8.64B | $7.82B | $8.33B | $8.60B | $8.75B | +10.5% |
| Total debt | $8.73B | $7.91B | $8.41B | $8.69B | $8.93B | +10.4% |
| Total liabilities | $85.65B | $86.32B | $86.98B | $93.62B | $97.54B | -0.8% |
| Retained earnings | $56.22B | $55.70B | $54.68B | $53.92B | $52.59B | +0.9% |
| Shareholder equity | $30.31B | $29.96B | $29.49B | $28.69B | $27.20B | +1.2% |
| Net tangible assets | $30.31B | $29.96B | $29.49B | $28.69B | $27.20B | +1.2% |
| Shares issued | 502.26M | 1.36B | 1.36B | 1.36B | 1.36B | -63.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $825.00M | $1.02B | $1.38B | $1.64B | $599.00M | -19.0% |
| Change in working capital | -$442.00M | $713.00M | -$491.00M | -$158.00M | -$454.00M | -162.0% |
| Operating cash flow | $112.00M | $968.00M | $315.00M | $1.25B | $399.00M | -88.4% |
| Investing cash flow | $791.00M | $244.00M | $359.00M | $28.00M | $1.53B | +224.2% |
| Share buybacks | -$984.00M | -$1.00B | -$801.00M | -$1.00B | -$829.00M | +1.6% |
| Dividends paid | -$299.00M | -$304.00M | -$292.00M | -$299.00M | -$301.00M | +1.6% |
| Financing cash flow | -$442.00M | -$1.76B | -$1.18B | -$1.46B | -$162.00M | +74.9% |
| Free cash flow | $112.00M | $968.00M | $315.00M | $1.25B | $399.00M | -88.4% |
| End cash position | $6.12B | $5.65B | $6.25B | $6.77B | $6.96B | +8.2% |
Options analytics
Put / call volume
0.38
Call-heavy session
Put / call open interest
0.34
Positioning, not flow
Max pain
85.00
-25.2% from spot
ATM implied vol
24.9%
Nearest strike to spot
Skew (10% OTM)
+10.2%
Puts bid over calls
Call volume
575
Contracts, this expiry
Put volume
216
Contracts, this expiry
Heaviest call OI
112.00
104 contracts
Heaviest put OI
109.00
175 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.76 | 1.75 | -0.4% |
| Mar 2026 | 1.80 | 1.75 | -2.6% |
| Dec 2025 | 1.69 | 1.57 | -7.3% |
| Sep 2025 | 1.78 | 2.49 | +40.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.79 | 13 | $4.20B | -4.7% |
| Next quarter | 1.72 | 13 | $4.24B | -1.0% |
| Current year | 7.02 | 16 | $16.91B | -3.6% |
| Next year | 7.56 | 15 | $17.14B | +1.4% |
Analyst targets & ownership
Mean target$118.53
High target$138.00
Low target$99.00
Implied upside4.14%
Analyst count15
ConsensusHOLD
Strong buy / Buy2 / 1
Hold8
Sell / Strong sell3 / 1
Held by insiders10.89%
Held by institutions60.08%
Institutions holding2.13K
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
113.07
+0.67% from price
SMA 20
114.46
-0.73% from price
SMA 50
118.27
-3.92% from price
SMA 100
118.53
-3.97% from price
SMA 200
115.07
-1.25% from price
EMA 12
113.40
+0.38% from price
EMA 26
114.91
-0.95% from price
EMA 50
116.54
-2.33% from price
RSI (14)
43.6
Neutral
MACD (12,26,9)
-1.51
Hist -0.03
ATR (14)
1.71
1.51% of price
Realised vol 30D
13.6%
Annualised
Bollinger upper
118.07
20, 2σ
Bollinger lower
110.85
20, 2σ
50 / 200 cross
Golden
118.27 vs 115.07
Trend bias
Below 200
-1.25%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.16
Less volatile than market
Correlation to SPY
-0.12
Largely independent
Realised vol 30D
13.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.2%
Peak to trough
Max drawdown 5Y
-20.4%
Peak to trough
ATR 14
1.71
1.51% of price
Beta (reported)
0.56
5Y monthly, from filing
Short interest
Shares short
11.59M
Prior 11.00M
Change vs prior
+5.4%
Shorts adding
% of float
2.99%
Normal
% of shares out
2.31%
Against total outstanding
Days to cover
5.5
Crowded exit
Float
497.01M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | UBS | MAINTAINED | Neutral | Neutral |
| Aug 19, 26 | Wolfe Research | INITIATED | — | Underperform |
| Aug 19, 26 | Wells Fargo | MAINTAINED | Equal-Weight | Equal-Weight |
| Aug 11, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Aug 11, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Aug 10, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Aug 10, 26 | Mizuho | MAINTAINED | Underperform | Underperform |
| Aug 7, 26 | Barclays | MAINTAINED | Underweight | Underweight |
| Jul 22, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Jul 21, 26 | JP Morgan | MAINTAINED | Neutral | Neutral |
| Jul 13, 26 | Evercore ISI Group | MAINTAINED | Underperform | Underperform |
| Jul 13, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
Dividends & splits
Forward rate$2.44 / yr
Forward yield2.17%
5-year avg yield2.13%
Payout ratio25.59%
Ex-dividend dateAug 19, 2026
Next pay dateSep 1, 2026
Last split2:1
Split dateMar 19, 2018
SEC filings
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-20
Corporate Changes & Voting Matters
8-K · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-06-30
Offering Registrations
S-3ASR · 2026-06-24
Annual report of employee stock purchase
11-K · 2026-06-23
Corporate Changes & Voting Matters
8-K · 2026-05-28
Corporate Changes & Voting Matters
8-K · 2026-05-14
Corporate Changes & Voting Matters
8-K · 2026-05-07
Headlines
bswift Launches AI-Powered Carrier Configuration Tools, Starting with Aflac
PR Newswire · 12h ago
1 in 3 U.S. workers do not have a legacy plan in place
PR Newswire · 12h ago
UBS Adjusts Price Target on Aflac to $125 From $124, Keeps Neutral Rating
MT Newswires · 14h ago
Barclays Adjusts Aflac Price Target to $101 From $99, Maintains Underweight Rating
MT Newswires · 15h ago
1 in 3 U.S. workers do not have a legacy plan in place
PR Newswire · 15h ago
Chubb Expands Digital Benefits Platform to Boost Distribution Growth
Zacks · 2d ago
3 Low-Volatility Stocks with Open Questions
StockStory · 2d ago
Aflac Incorporated to Release Third Quarter Results and CFO Video Update on November 4, 2026 and Host Webcast on November 5, 2026
PR Newswire · 6d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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