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, a 32-signal 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 61.3/100, ranked #787 of 2,961 stocks based on 32 fundamental signals including 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)— Stock Profile, AI Score & Financials

Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated 2026-06-30.

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 61.3/100 on a 32-signal composite quality model, placing it at rank #787 of 2,961 stocks — the top half of the AI-ranked universe. AFL scores in the top quartile across revenue scale (91.7), profitability (90.2). Areas of concern include revenue growth (16.3) and earnings quality (20.3), 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%. Top institutional holders of AFL by reported 13-F value include Japan Post , Ltd., BlackRock, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. 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.

AI Quality Score

61.3/100

AI Rank

#787

Revenue

$4.1B

Net Income

$825.0M

Operating Margin

24.2%

AFL key financials by period

AFLAC INC reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Operating 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%

Institutions holding AFL

Institutional investors reporting a position in AFLAC INC on SEC Form 13F.
Institution	Shares	Value	Reported
Japan Post , Ltd.	50,898,490	$6.0B	2026-06-30
BlackRock	34,915,032	$4.1B	2026-06-30
VANGUARD CAPITAL MANAGEMENT	29,902,916	$3.5B	2026-06-30
VANGUARD PORTFOLIO MANAGEMENT	24,356,406	$2.9B	2026-06-30
STATE STREET	23,513,644	$2.8B	2026-06-30
GEODE CAPITAL MANAGEMENT	10,600,232	$1.2B	2026-06-30
WELLS FARGO & COMPANY	8,636,237	$1.0B	2026-06-30
MORGAN STANLEY	8,040,706	$942.8M	2026-06-30
NORTHERN	6,282,869	$736.7M	2026-06-30
GOLDMAN SACHS GROUP	5,324,201	$624.3M	2026-06-30

SEC EDGAR: CIK 4977 →

AFLAC INC

AFL

NYSELarge CapFinancials

13F Pro Quality Score

61.3/100

Rank #787 of 2,961 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

16.3/100

Profitability

90.2/100

Balance Sheet

65.2/100

Earnings Quality

20.3/100

Free Cash Flow

64.9/100

Institutional Flow

62.6/100

Revenue Scale

91.7/100

Dilution Risk

94.7/100

Price Chart

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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 →