AFL

AflacD

NYSE / Insurance

At close

2026-07-18

Current thesis

The best near-term bull read would be another quarter where capital return remains strong and Japan sales momentum continues to offset runoff, because February disclosures already showed active buybacks and improving Japan sales trends. A clean Q1 print could reinforce the defensive-quality case.

Posture

Defensive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.2.

What can break

Aflac's concentration in Japan remains material, with the 2025 10-K indicating 53% of adjusted revenues and 76% of assets tied to Aflac Japan, leaving reported results sensitive to yen moves and regulatory-capital effects.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $115.00 · Bull $124.00 · Bear $109.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-29 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $116.43

Why

Momentum39 · Δ7d +12.3

Value51 · Δ7d +0.2

Sentiment48 · Δ7d -4.8

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+12.3

Δ21d

+0.7

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+0.3

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-4.8

Δ21d

-4.6

Why this grade

Composite grade D. Momentum 38.5 / Value 51.0 / Sentiment 48.1

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$63.48B

Beta

0.67

Shares Out

508.99M

P/E (TTM)

14.6

P/S (TTM)

3.32

P/FCF (TTM)

42.00

Rev YoY

+27.9%

EPS YoY

+3634.9%

Gross Margin

Op Margin

+30.0%

Net Debt

$2.16B

Current Ratio

1.05

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology