AFLAFL
US • —
$117.25
P/E
13.30
PEG
0.35
FCF Yield
—
Rev Growth YoY
+7.2% YoY
Gross Margin
—
Health Score
6/10
D/E Ratio
0.28
Confidence
LOW
Business Snapshot
Aflac is a provider of supplemental health and life insurance products, primarily operating in the U.S. and Japan. The company distributes its policies through independent agents and corporate payroll deduction programs, giving it a distinct distribution advantage. Aflac is a dominant player in the cancer and critical illness insurance niche, a market segment with limited direct competition. Its market capitalisation tier and TTM revenue are not available in the provided data, limiting a complete assessment of financial scale.
Financial Health
Net margin stands at 25.6%, a solid figure indicating strong profitability relative to revenue. Debt/equity of 0.28x is conservative, suggesting the balance sheet is not heavily leveraged...
Risk Assessment
- LIQUIDITY — Current ratio of 0.04x is exceptionally low, potentially limiting the company's ability to meet short-term obligations without selling long-term assets.
- EARNINGS CREDIBILITY — Earnings estimates were beaten in only 2 of the last 4 quarters, indicating inconsistent guidance accuracy.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- GROWTH DEPENDENCY — Revenue growth of 7.2% YoY is modest, and the 37.5% earnings growth may be unsustainable if it resulted from one-time items rather than operational improvement.
- INSIDER SELLING — 8 insider sells vs. 0 buys in the last 90 days signals a lack of confidence from company leadership at the current price level....
Net margin stands at 25.6%, a solid figure indicating strong profitability relative to revenue. Debt/equity of 0.28x is conservative, suggesting the balance sheet is not heavily leveraged. However, the current ratio of 0.04x is extremely low, typical for an insurance company that does not carry significant short-term assets against short-term liabilities, but it still signals potential liquidity constraints in a stress scenario. Return on equity (ROE) of 16.1% is healthy, demonstrating the company's ability to generate profits on shareholder equity. Free cash flow data is unavailable, preventing an assessment of cash generation or dividend capacity.
- LIQUIDITY — Current ratio of 0.04x is exceptionally low, potentially limiting the company's ability to meet short-term obligations without selling long-term assets. - EARNINGS CREDIBILITY — Earnings estimates were beaten in only 2 of the last 4 quarters, indicating inconsistent guidance accuracy. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - GROWTH DEPENDENCY — Revenue growth of 7.2% YoY is modest, and the 37.5% earnings growth may be unsustainable if it resulted from one-time items rather than operational improvement. - INSIDER SELLING — 8 insider sells vs. 0 buys in the last 90 days signals a lack of confidence from company leadership at the current price level.
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