Aflac (AFL) Fundamental Analysis: Revenue, Earnings & Valuation

9.04 / 10

Outperform

Fundamentally, AFL scores 9/10, driven by high asset‑market value, rapid receivables turnover and a 177% YoY revenue surge. However, EPS and profit growth are sharply negative, and ROE is modest. Overall, fundamentals are very promising despite earnings headwinds.

Analysis Checks(5/10)

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score3/3

Weight34.38%

1M Return3.67%

ROE (diluted) (YoY growth rate %)

Value9.52

Score0/3

Weight-6.64%

1M Return-0.93%

Accounts receivable turnover ratio

Value23.63

Score3/3

Weight26.49%

1M Return2.85%

Basic earnings per share (YoY growth rate %)

Value-29.34

Score0/3

Weight-3.22%

1M Return-0.42%

Total profit (YoY growth rate %)

Value-29.36

Score0/3

Weight-8.69%

1M Return-1.22%

Diluted earnings per share (YoY growth rate %)

Value-29.18

Score0/3

Weight-4.58%

1M Return-0.60%

Operating revenue (YoY growth rate %)

Value176.94

Score3/3

Weight24.51%

1M Return2.66%

Asset-MV

Value-0.55

Score2/3

Weight23.55%

1M Return2.26%

Net profit attributable to parent company shareholders (YoY growth rate %)

Value-33.01

Score0/3

Weight-10.94%

1M Return-1.49%

Current ratio

Value3.84

Score3/3

Weight25.14%

1M Return2.72%

Is AFL undervalued or overvalued?

AFL scores 9.04/10 on fundamentals and holds a Discounted valuation at present. Backed by its 13.12% ROE, 21.24% net margin, 15.29 P/E ratio, 1.89 P/B ratio, and -29.34% earnings growth, these metrics solidify its Outperform investment rating.