Insider buying last 90 days
No open-market insider purchases were filed for AFL in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every AFL insider filing, plotted on the chart in Gekko.Open AFL in Gekko
NYSE: AFL
AFLAC (AFL) Stock Analysis & Forecast
$116.33−0.27 (−0.2%)
Close on Sep 18, 2026. Page updated Sep 19, 9:19 pm ET.
Gekko Brief
AI summaryAFL closes at $116.33, down 0.2%, sitting between its 50-day average of $120.74 and 200-day average of $114.82. The GekkoIndex reads 61.8, placing the stock in the Accumulation zone. Gekko Fair Value stands at $119.86, putting current price 2.9% below that level.
Recent activity around AFL centers on insider and institutional stock movements. Masatoshi Koide, President of Aflac Life Insurance Japan, sold $1.56 million in common stock following option exercises, retaining 76,422 shares. Simard Frederic Jean Guy, Deputy President of Aflac U.S., forfeited 409 shares at $117.55 each, about 29.3% of his prior holdings, leaving him with 985 shares. Japan Post Holdings, a 10% owner, sold roughly $1.6 million worth of shares across transactions on September 15 and 16, and now holds over 50.5 million shares indirectly. On the institutional side, Bank of America Corp DE took a new position of over 2 million shares valued at approximately $244.52 million during the second quarter, while IFP Advisors Inc reduced its holdings by 66.9% over the same period.
Aflac's next earnings report is due 4 November 2026, before the open, 45 days away and outside a typical 20-trading-day hold. At the last report on 29 April 2026, adjusted EPS came in at $1.75 against a $1.80 estimate, with shares reacting -2.3%. Seasonality over the next 20 trading days has averaged +2.9% across 5 years, rising in 3 of them. Analyst coverage from 11 firms includes 2 buy, 6 hold and 3 sell ratings, with a consensus target of $118.53.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $116.33200-day averageGekko Fair Value $119.86
Key stats
- Market cap
- $59.21B
- P/E ratio
- 12.6
- Forward P/E
- 15.2
- EPS, TTM
- $9.27
- Revenue, TTM
- $18.07B
- Profit margin
- 26.9%
- Dividend yield
- 2.04%
- Beta
- 0.58
- Volume
- 6.67M avg 2.28M
- 1-year return
- +6.5%
- Typical daily move
- ±1.5%
- Typical 20-day move
- ±3.8%
- 50-day average
- $120.74
- 200-day average
- $114.82
- Next earnings
- Nov 4 before open
- Shares outstanding
- 501.3M
AFLAC swing-trade checklist
AFLAC scores 3 supportive, 2 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive2 mixed0 headwinds
- Trendmixed
Averages disagree
Close $116.33 sits between the 50-day ($120.74) and 200-day ($114.82) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
61.8, Accumulation
Reading 61.8 is in the Accumulation zone.
See the GekkoIndex - Fair valuemixed
2.9% below
Price is within 5% of Gekko Fair Value (2.9% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 45 days
Next report Nov 4, 2026, 45 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+2.9% on average
From this point in the calendar, the next 20 trading days averaged +2.9% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
AFLAC stock chart and price history
AFLAC closed at $116.33 on Sep 18, 2026, +6.5% over the past year, inside a 52-week range of $105.43 to $130.22.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −0.2%
- 3 months
- +0.7%
- 6 months
- +8.5%
- 1 year
- +6.5%
The full AFL chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open AFL in Gekko
Follow AFLAC through every session
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About AFLAC
AFLAC provides supplemental health and life insurance, offering policies that pay out alongside a person's main medical coverage rather than replacing it. It is widely known for its insurance products covering cancer, accidents, and other health events, sold to individuals and workplaces in Japan and the United States.
The company runs its business through two main divisions, Aflac Japan and Aflac U.S. The Japan division sells cancer, medical, and nursing-care income policies, along with the GIFT plan, whole and term life coverage, and savings products such as WAYS and child endowment plans. The U.S. division offers cancer, accident, short-term disability, critical illness, and hospital indemnity policies, plus dental, vision, long-term care, disability, and life insurance. These products reach customers through career sales agents, independent brokers, agencies, and affiliated partners.
AFLAC was founded in 1955 and is headquartered in Columbus, Georgia. Its shares are listed on the NYSE under the ticker AFL.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Multi-line insurance
- Website
- aflac.com
AFLAC GekkoIndex: the smart money zone
AFLAC’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 61.8, in the Accumulation zone, down 0.9 points over five sessions.
61.8Accumulation
Down 0.9 points over five sessions.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 20 | +2.9% | +5.5% | ||
| Accumulation (current zone) | 173 | +0.5% | +2.6% | ||
| Neutral | 429 | +0.1% | +0.6% | ||
| Distribution | 31 | −0.3% | +2.8% | ||
| Selling | 9 | Too few readings yet | |||
Average AFL share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the AFL price, zone by zone.Track AFL in Gekko
Is AFLAC stock overvalued? Gekko Fair Value
AFLAC trades 2.9% below Gekko Fair Value of $119.86, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what AFLAC shares are worth, recalculated every trading day.
$119.86
Gekko Fair Value, Sep 19, 2026
2.9% below fair value · About fair value
Gekko Fair Value on every chart, with the gap to price updating daily.Open AFL in Gekko
AFLAC insider and Congress trading
No open-market insider purchases were filed for AFLAC, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in AFL were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for AFL, plotted on the chart in Gekko.Open AFL in Gekko
Buybacks
AFLAC has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $984.0M
- As a share of market cap
- 1.66%
- Trailing four quarters
- $3.79B
From company filings.
Hedge funds and billionaires quarter ended Dec 31
0of the funds Gekko tracks hold AFL.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
AFLAC earnings: next date and track record
AFLAC reports on Nov 4, 2026, before the open (45 days away), and beat the EPS estimate in 4 of its last 8 reports.
Next earnings report
Nov 4, 2026
Expected before the open, 45 days away
- EPS estimate
- $1.81
- Revenue estimate
- $4.10B
4 of 8reports beat the EPS estimate
±4.3%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Apr 29, 2026 AI summary
- What they said
- Aflac reported Q1 2026 net EPS of $1.98 and adjusted EPS of $1.75. Aflac Japan achieved 25.5% sales increase driven by new medical product Onsen Tallett and cancer insurance product Miraito, with all distribution channels posting gains. Aflac U.S. saw 2.9% sales growth, 79.3% premium persistency, and 3.5% net earned premium increase, supported by strong group voluntary product momentum.
- Guidance
- Management emphasized continued focus on profitable growth through underwriting discipline and premium persistency. Strong capital generation and prudent liquidity management remain priorities, with Japan's sales transformation expected to sustain momentum throughout 2026.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Apr 29, 2026 | $1.75 est $1.80 | $4.35B est $4.20B | −2.3% |
| Feb 4, 2026 | $1.57 est $1.69 | $4.87B est $4.25B | +4.8% |
| Nov 4, 2025 | $2.49 est $1.77 | $4.79B est $4.37B | +4.0% |
| Aug 5, 2025 | $1.78 est $1.70 | $4.22B est $4.33B | +3.8% |
| Apr 30, 2025 | $1.66 est $1.67 | $3.45B est $4.28B | −4.7% |
| Feb 5, 2025 | $1.56 est $1.62 | $5.50B est $4.33B | −3.4% |
| Oct 30, 2024 | $2.16 est $1.68 | $3.04B est $4.30B | −4.7% |
| Jul 31, 2024 | $1.83 est $1.60 | $5.16B est $4.10B | +6.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
AFLAC stock forecast and analyst price targets
Analysts’ average 12-month price target for AFLAC is $118.53, +1.9% from the last close, from 11 firms rating the stock in the last 90 days.
$118.53consensus 12-month target, +1.9% from the last close
Now $116.33Avg $118.53
Low $99High $138
Each firm’s latest rating in the last 90 days: 11 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 19 | Wolfe Research | $103 | −11.5% |
| Aug 19 | Wells Fargo | $122 | +4.9% |
| Aug 11 | J.P. Morgan | $116 | −0.3% |
| Aug 11 | KBW | $125 | +7.5% |
| Aug 10 | Mizuho Securities | $116 | −0.3% |
+2.6%average 20-day move after past Accumulation readings
+2.9%average move over the next 20 trading days in the last 5 years
±1.5%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
AFLAC seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, AFLAC averaged +2.9% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −0.1% | 3 of 5 |
| Next 10 trading days | +0.7% | 3 of 5 |
| Next 15 trading days | +1.5% | 4 of 5 |
| Next 20 trading days | +2.9% | 3 of 5 |
| Next 30 trading days | +2.9% | 4 of 5 |
For scale, AFL’s typical 20-trading-day move in either direction is about 3.8%.
AFLAC market cap and key statistics
AFLAC’s market cap is $59.21B, with a P/E ratio of 12.6 and revenue of $18.07B over the last twelve months.
Valuation
- Market cap
- $59.21B
- P/E ratio
- 12.6
- Forward P/E
- 15.2
- EPS, TTM
- $9.27
- Gekko Fair Value
- $119.86
Trading
- Volume
- 6.67M
- Avg volume, 20 days
- 2.28M
- 52-week high
- $130.22
- 52-week low
- $105.43
- Shares outstanding
- 501.3M
Financials
- Revenue, TTM
- $18.07B
- Profit margin
- 26.9%
- Return on equity
- 16.9%
- Quarterly earnings growth, YoY
- +46.8%
Risk and income
- Beta
- 0.58
- Typical daily move
- ±1.5%
- Typical 20-day move
- ±3.8%
- Dividend yield
- 2.04%
AFLAC stock news this week
Coverage of AFLAC this week reads negative: 2 positive, 7 neutral and 12 negative headlines.
- Aflac’s Masatoshi Koide sells $1.56 million in common stockInvesting.com, Sep 19
- Aflac’s Masatoshi Koide sells $1.56 million in common stock By Investing.comInvesting.com Nigeria, Sep 19
- Simard Frederic Jean Guy Forfeits 409 AFLAC Shares at $117.55 Each on September 15, 2026Kalkine Media, Sep 18
- Japan Post Holdings sells $1.62m of Aflac stockInvesting.com, Sep 18
- Aflac Incorporated $AFL Shares Sold by IFP Advisors IncDefense World, Sep 18
- Aflac 10% owner Japan Post Holdings sells $1.6m in stockInvesting.com Nigeria, Sep 17
AFLAC peers
AFLAC’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| PGRProgressive | Accumulation | 3.9% below |
| MFCManulife Financial | Neutral | 10.8% above |
| ALLAllstate | Accumulation | 5.6% below |
| METMetLife | Neutral | 2.5% below |
| SLFSun Life Financial | Neutral | 9.1% above |
| AIGAIG | Accumulation | 8.0% below |
A peer links to its own page where one exists.
AFLAC stock FAQ
What is AFLAC’s market cap?
AFLAC’s market cap is $59.21B at the Sep 18, 2026 close of $116.33, with 501.3M shares outstanding. The shares trade on a P/E ratio of 12.6.
What is the AFLAC stock forecast?
The consensus analyst 12-month price target for AFLAC is $118.53, +1.9% from the last close. Of the 11 firms that rated the stock in the last 90 days, 2 rate it a buy, 6 a hold and 3 a sell. Gekko doesn’t publish price predictions of its own.
Is AFLAC stock overvalued or undervalued?
On Gekko’s estimate AFLAC is about fair value: the Sep 18, 2026 close of $116.33 is 2.9% below Gekko Fair Value of $119.86. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does AFLAC report earnings next?
AFLAC is expected to report on Nov 4, 2026, before the market opens (45 days away). Analysts expect earnings of $1.81 per share on revenue of $4.10B. AFLAC beat the earnings estimate in 4 of its last 8 reports, moving 4.3% on average across the report.
What is AFLAC’s 52-week high and low?
AFLAC’s 52-week high is $130.22 and its 52-week low is $105.43; it closed at $116.33 on Sep 18, 2026, +6.5% over the past year.
Is AFLAC stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, earnings risk and seasonality), 2 as mixed (trend and fair value). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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