What is the 13F Pro Quality Score for AFL?

13F Pro ranks AFLAC INC (AFL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View AFL's current score at https://13fpro.ai/research/AFL (free sign-up required for the full ranking).

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.

What sector is AFL in?

AFLAC INC (AFL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is AFL research updated on 13F Pro?

AFL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

AFLAC INC(AFL)Stock Analysis

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13F Pro Quality Score

60.3/100

Rank #862 of 2,879 stocksTOP 50%

View Financials peers →

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

Revenue Growth

12.8/100

Profitability

76.5/100

Balance Sheet

56.8/100

Earnings Quality

14.1/100

Free Cash Flow

77.3/100

Institutional Flow

62.7/100

Revenue Scale

91.5/100

Dilution Risk

94.9/100

AFL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for AFLAC INC (AFL), a Financials sector company. 13F Pro's AI-powered ranking engine scores AFL at 60.3/100 on a 32-signal composite quality model, placing it at rank #862 of 2,879 stocks — the top half of the AI-ranked universe. AFL scores in the top quartile across revenue scale (91.5), free cash flow (77.3), profitability (76.5). Areas of concern include revenue growth (12.8) and earnings quality (14.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), AFLAC INC reports quarterly revenue of $4.3B, net income of $1.0B, an operating margin of 28.2%. Top institutional holders of AFL by reported 13-F value include Japan Post Holdings Co., 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. AFLAC INC's 13F Pro composite quality score has ranged between 8 and 73 since 2021, currently 60.3 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about AFLAC INC

Quirks, history, and lore behind AFL — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurance company · large-cap · listed on the NYSE · headquartered in Georgia.
2
The Numbers
Generates roughly $20 billion in annual revenue and holds a dominant share — well over 90% — of the U.S. supplemental insurance market.
3
The History
Founded in 1955 in Columbus, Georgia, it quietly built a massive business in Japan — which today accounts for the majority of its premiums.
4
The Secret
Its core product pays cash directly to policyholders when illness or injury sidelines them — not to doctors or hospitals, but straight to you.
5
The Lore
It is the number-one provider of supplemental insurance in Japan, a country it entered in 1974 — long before most American insurers thought globally.
6
The Giveaway
Its duck mascot has been quacking on TV since 1999 and is arguably more famous than the company itself — honk if you know your supplemental insurance.

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Revenue

Q1 2026

$4.3B

Net Income

Q1 2026

$1.0B

Free Cash Flow

Q1 2026

$968.0M

Operating Margin

Q1 2026

28.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-9.3% YoY

$17.16BFY 2025

FY21 $21.55BFY23 $18.70BFY24 $18.93BFY25 $17.16B

Net Income

-33.0% YoY

$3.65BFY 2025

FY21 $4.23BFY23 $4.66BFY24 $5.44BFY25 $3.65B

Operating Income

—FY 2025

FY21 $4.93BFY23 —FY24 —FY25 —

EPS (Diluted)

-29.2% YoY

$6.82FY 2025

FY21 $6.25FY23 $7.78FY24 $9.63FY25 $6.82

Total Assets

-0.9% YoY

$116.47BFY 2025

FY21 $157.54BFY23 $126.72BFY24 $117.57BFY25 $116.47B

Op. Cash Flow

-5.6% YoY

$2.56BFY 2025

FY21 $5.05BFY23 $3.19BFY24 $2.71BFY25 $2.56B

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Revenue	$17.16B -9.3%	$18.93B +1.2%	$18.70B -13.2%	$21.55B -2.7%	$22.15B -0.7%	$22.31B
Net Income	$3.65B -33.0%	$5.44B +16.8%	$4.66B +10.1%	$4.23B -11.4%	$4.78B +44.6%	$3.30B
Operating Income	—	—	—	$4.93B +11.7%	$4.42B -1.0%	$4.46B
EPS (Diluted)	$6.82 -29.2%	$9.63 +23.8%	$7.78 +24.5%	$6.25 -6.3%	$6.67 +50.6%	$4.43
Total Assets	$116.47B -0.9%	$117.57B -7.2%	$126.72B -19.6%	$157.54B -4.6%	$165.09B +8.1%	$152.77B
Operating Cash Flow	$2.56B -5.6%	$2.71B -15.1%	$3.19B -36.8%	$5.05B -15.2%	$5.96B +9.2%	$5.46B

AI Insight: AFL Financial Trends

AFLAC's net income remains highly volatile with Q3 2024 posting a $93M loss while Q4 2025 achieved $1,379M profit.

• Revenue increased from $3,398M in Q1 2025 to $4,346M in Q1 2026, showing year-over-year growth.

• Equity steadily grew from $26,047M in Q2 2024 to $29,961M in Q1 2026.

• Net income swung dramatically from -$93M loss in Q3 2024 to $1,902M profit in Q4 2024.

⚠ Net income declined from $1,639M in Q3 2025 to $1,019M in Q1 2026, down 38%.

⚠ Operating cash flow remains erratic, dropping from $1,252M in Q3 2025 to $315M in Q4 2025.

AI Insight: AFL Ratio Trends

AFL shows extreme quarterly volatility with operating margins swinging from negative 3.1% in Q3 2024 to 42.1% in Q3 2025, creating unpredictable earnings patterns.

• Operating margin collapsed from 39.3% in Q2 2024 to 3.1% in Q3 2024, then recovered to 42.1% in Q3 2025.

• ROE peaked at 29.1% in Q4 2024 but declined to 13.6% in Q1 2026, showing inconsistent returns to shareholders.

• ROIC fluctuated wildly from 1.5% in Q3 2024 to 32.7% in Q4 2024, indicating unstable capital efficiency.

⚠ Sequential margin decline from Q3 2025's 42.1% to Q1 2026's 28.2% suggests potential normalization of exceptional performance.

⚠ Quarterly earnings volatility makes trend analysis difficult and creates uncertainty for forward guidance accuracy.

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Available Research

13F Pro tracks comprehensive data for AFLAC INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of AFL

Japan Post Holdings Co., Ltd.
$5.7B51,974,500 sh
BlackRock, Inc.
$4.0B36,205,291 sh
VANGUARD CAPITAL MANAGEMENT LLC
$3.3B30,254,403 sh
STATE STREET CORP
$2.6B23,600,470 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.0B18,242,564 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.2B10,717,264 sh
WELLS FARGO & COMPANY/MN
$1.2B10,548,868 sh
MORGAN STANLEY
$866.9M7,901,444 sh
NORTHERN TRUST CORP
$718.7M6,550,837 sh
DIMENSIONAL FUND ADVISORS LP
$499.2M4,550,855 sh

Fund	Value	Shares
Japan Post Holdings Co., Ltd.	$5.7B	51,974,500
BlackRock, Inc.	$4.0B	36,205,291
VANGUARD CAPITAL MANAGEMENT LLC	$3.3B	30,254,403
STATE STREET CORP	$2.6B	23,600,470
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.0B	18,242,564
GEODE CAPITAL MANAGEMENT, LLC	$1.2B	10,717,264
WELLS FARGO & COMPANY/MN	$1.2B	10,548,868
MORGAN STANLEY	$866.9M	7,901,444
NORTHERN TRUST CORP	$718.7M	6,550,837
DIMENSIONAL FUND ADVISORS LP	$499.2M	4,550,855

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Is AFL a good stock to buy?

13F Pro's AI-powered analysis of AFLAC INC (AFL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for AFL are available on the AFL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own AFL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling AFL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of AFLAC INC's investment landscape.