AFL is the ticker symbol for AFLAC INC, a publicly traded Financials sector company listed on NYSE. 13F Pro tracks AFL with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is AFL a good stock to buy?

13F Pro's AI ranking engine scores AFL at 61.8/100, ranked #750 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for AFL is available at https://13fpro.ai/company/AFL. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source AFL data?

All AFLAC INC fundamentals and ownership data come directly from SEC EDGAR. AFLAC INC files with the SEC under CIK 4977. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

AFLAC INC AFL

NYSELarge CapFinancials

13F Pro quality score

Rank #750 of 2,925TOP 50%

Why it scores 62 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$4.12B

Quarter to Jun 30

Net income

$825.00M

Quarter to Jun 30

Operating margin

24.2%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$40.25B total

Japan Post Holdings Co., Ltd.

$5.97B-2.1%

BlackRock, Inc.

$4.09B-3.6%

VANGUARD CAPITAL MANAGEMENT LLC

$3.51B-1.2%

VANGUARD PORTFOLIO MANAGEMENT LLC

$2.86B+33.5%

STATE STREET CORP

$2.76B-0.4%

GEODE CAPITAL MANAGEMENT, LLC

$1.24B-1.1%

WELLS FARGO & COMPANY/MN

$1.01B-18.1%

MORGAN STANLEY

$942.77M+1.8%

NORTHERN TRUST CORP

$736.67M-4.1%

GOLDMAN SACHS GROUP INC

$624.26M+28.9%

UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AME

$609.84M+27.8%

DIMENSIONAL FUND ADVISORS LP

$537.94M+0.8%

Invesco Ltd.

$470.96M-7.6%

Legal & General Group Plc

$404.64M-9.4%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$368.93M-0.1%

Amundi

$330.82M-13.7%

JPMORGAN CHASE & CO

$324.99M+0.9%

NORGES BANK

$323.46M--

FIRST TRUST ADVISORS LP

$309.32M-17.2%

VANGUARD FIDUCIARY TRUST CO

$301.55M-2.1%

Bank of New York Mellon Corp

$298.42M-4.9%

BANK OF AMERICA CORP /DE/

$244.52M-10.5%

Guinness Asset Management LTD

$238.81M-5.3%

DEUTSCHE BANK AG\

$222.38M-10.5%

Qube Research & Technologies Ltd

$200.40M+69.3%

See all 1,706 institutional holders →

What's Driving AFL's Business? Latest 10-Q Breakdown

32/32 datapoints verified

AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net earnings rose 38% YoY to $825M as net investment losses narrowed to $153M from $421M, even though total revenue slipped 1% to $4.1B on lower Japan premiums and investment income.

Biggest Revenue Drivers

Net earned premiums$3,252M-6% YoY

Decline driven mainly by Aflac Japan

Net investment income$984M-9% YoY

Biggest Revenue Drivers

Total revenue: $4.1B-1% YoY

Net earned premiums$3,252M-6% YoY

Decline driven mainly by Aflac Japan

Within Net earned premiums

Aflac Japan$1,537M-12.7% YoY

Decrease due to an external reinsurance transaction established in Q1 2026 and limited-pay products reaching premium paid-up status

Aflac U.S.$1,539M+2.3% YoY

Net investment income$984M-9% YoY

Net investment gains (losses)-$153M

Loss narrowed from $421M a year ago, including $238M of net sales/redemption losses and $77M higher credit loss allowance, offset by $87M equity gains and $86M net derivative/FX gains

Largest Expense Items

Total benefits and claims, net$1,852M-8% YoY

Decrease reflects the impact of annual cash flow assumption updates performed in Q3 2025 and higher reserve remeasurement gains

Insurance and other expenses$749M-7% YoY

Insurance commissions$239M-5% YoY

Interest expense$64M+23% YoY

Reflects new senior note issuances in May 2026 partially offset by March 2026 maturity of $400M notes

Margins: Aflac Japan's benefit ratio improved to 64.0% of premiums from 66.5% a year earlier, and pretax adjusted profit margin rose to 34.3% from 32.0%, both aided by favorable reserve remeasurement gains and prior cash flow assumption updates.

Watch Items from the Filing

Aflac Japan disclosed a June 25, 2026 cyber incident in which an unauthorized third party accessed systems containing policy, personal, and bank account information; potential loss cannot be reasonably estimated.
The yen averaged 159.45/dollar, 9.3% weaker YoY, cutting adjusted EPS by $0.05; Aflac Japan still represents 51% of adjusted revenues and 75% of total assets.
Japan National Government bond holdings ($24.6B fair value) remain the only investment exposure individually exceeding 10% of shareholders' equity.
Aflac repurchased $2.0B (17.5 million shares) of stock in the first six months of 2026, with 96.8 million shares still authorized for repurchase.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

13fpro.ai/company/AFL

Earnings Per Share

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AFLAC INC reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$17.2B	$3.6B	26.4%
FY 2024	10-K	$18.9B	$5.4B	33.9%
FY 2023	10-K	$18.7B	$4.7B	28.1%
FY 2022	10-K	$19.1B	$4.4B	21.7%
FY 2021	10-K	$21.6B	$4.2B	22.9%
FY 2020	10-K	$22.1B	$4.8B	19.9%

About AFLAC INC (AFL): stock profile, AI score and financials

AFLAC INC (AFL) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores AFL at 61.8/100 on a composite quality score built from its SEC filings, placing it at rank #750 of 2,925 stocks — the top half of the AI-ranked universe. AFL scores in the top quartile across revenue scale (91.5), profitability (89.8). Areas of concern include revenue growth (16.6) and earnings quality (19.2), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), AFLAC INC reports quarterly revenue of $4.1B, net income of $825.0M, an operating margin of 24.2%. AFL trades on the NYSE exchange and files with the SEC under CIK 4977. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AFL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for AFLAC INC directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 4977 →

AFLAC INC AFL

Top Institutional Holders

What's Driving AFL's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

AFL key financials by period

Congress trading in AFL

About AFLAC INC (AFL): stock profile, AI score and financials

AFLAC INC AFL

Top Institutional Holders

What's Driving AFL's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

AFL key financials by period

Companies similar to AFL

Congress trading in AFL

About AFLAC INC (AFL): stock profile, AI score and financials