Aflac IncorporatedAFL
NYSE • Financial Services
$113.56
P/E
16.49
PEG
—
FCF Yield
—
Rev Growth YoY
-931.0% YoY
Gross Margin
—
Health Score
5/10
D/E Ratio
0.28
Confidence
LOW
Business Snapshot
Aflac Incorporated is one of the largest supplemental insurance providers in the United States and Japan, offering policies that pay cash benefits directly to policyholders during illness, injury, or disability. The company operates primarily through two segments: Aflac Japan and Aflac U.S., making it a major player in the life and health insurance industry. Based on available valuation ratios and price data, Aflac falls within the large-cap tier of publicly traded insurers.
Financial Health
**Score: 5/10** Aflac's balance sheet carries a conservative debt load, with a Debt/Equity ratio of just 0.28x, indicating limited financial leverage relative to its equity base. However, confidence in the overall financial picture is undermined by the absence of gross margin data and free cash flow figures, which are critical for assessing an insurer's operating efficiency and capital generation...
Risk Assessment
- **DATA INTEGRITY: Revenue growth of -931.0% YoY and earnings growth of -2,833.0% are statistically extreme, raising significant concerns about data reliability or the presence of large non-recurring accounting items.** - **LIQUIDITY: Current ratio of 0.04x is critically low, suggesting current liabilities vastly exceed current assets as reported.** - **ANALYST SENTIMENT: Only 14% of covering analysts rate AFL a buy, with 50% at hold and the consensus classified as Sell — an unusually weak endorsement for a large-cap insurer.** - **TECHNICALS: A confirmed death cross pattern (50-day MA crossing below 200-day MA) signals medium-term bearish price momentum, with MACD also in a bearish configuration.** - **MISSING DATA: Free cash flow, TTM Revenue, TTM Net Income, and DCF fair value are all unavailable, severely limiting fundamental analysis and leaving key valuation anchors unverifiable.** ---...