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/company/AFL (free sign-up required for the full ranking).

Which hedge funds own the most AFL stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of AFL include Japan Post Holdings Co., Ltd., BlackRock,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/AFL as soon as new 13F filings post.

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.

What drives AFL's revenue?

Per AFLAC INC's latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net earned premiums ($3,252M, -6% YoY); Aflac Japan ($1,537M, -12.7% YoY); Aflac U.S. ($1,539M, +2.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/AFL.

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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SEC EDGAR: CIK 4977 AFL stock profile & AI dashboard →

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

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Why AFL Scores 61/100

exact factor attribution · 2026-09-11

AFL's composite is driven by scale and profitability, held back by revenue growth and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+8.3 pts

92th pct

Profitability

+8.0 pts

90th pct

Shareholder dilution

+3.0 pts

95th pct

Free cash flow

+2.2 pts

65th pct

Capital efficiency

+2.0 pts

65th pct

Institutional flow

+0.8 pts

63th pct

Earnings growth

-2.0 pts

20th pct

Earnings quality

-3.0 pts

20th pct

Revenue growth

-9.0 pts

16th pct

Latest change (2026-08-07): 60 → 67 · ↑ Profit margin 76→91; ↑ Revenue growth 13→26

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

AFL Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for AFLAC INC (AFL), 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. AFLAC INC's 13F Pro composite quality score has ranged between 56 and 73 since 2021, currently 61.3 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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

✓ 32/32 datapoints verified

AI-extracted from AFLAC INC's 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 →Share on X

Revenue

Q2 2026

$4.1B

Net Income

Q2 2026

$825.0M

Operating Margin

Q2 2026

24.2%

ROIC

Q2 2026

13.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

-9.3% YoY

$17.16BFY 2025

FY22 $19.14BFY23 $18.70BFY24 $18.93BFY25 $17.16B

Net Income

-33.0% YoY

$3.65BFY 2025

FY22 $4.42BFY23 $4.66BFY24 $5.44BFY25 $3.65B

Operating Income

—FY 2025

FY22 $4.16BFY23 —FY24 —FY25 —

EPS (Diluted)

-29.2% YoY

$6.82FY 2025

FY22 $6.93FY23 $7.78FY24 $9.63FY25 $6.82

Total Assets

-0.9% YoY

$116.47BFY 2025

FY22 $131.74BFY23 $126.72BFY24 $117.57BFY25 $116.47B

Op. Cash Flow

-5.6% YoY

$2.56BFY 2025

FY22 $3.88BFY23 $3.19BFY24 $2.71BFY25 $2.56B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$17.16B -9.3%	$18.93B +1.2%	$18.70B -2.3%	$19.14B -11.2%	$21.55B -2.7%	$22.15B
Net Income	$3.65B -33.0%	$5.44B +16.8%	$4.66B +5.5%	$4.42B +4.4%	$4.23B -11.4%	$4.78B
Operating Income	—	—	—	$4.16B -15.7%	$4.93B +11.7%	$4.42B
EPS (Diluted)	$6.82 -29.2%	$9.63 +23.8%	$7.78 +12.3%	$6.93 +10.9%	$6.25 -6.3%	$6.67
Total Assets	$116.47B -0.9%	$117.57B -7.2%	$126.72B -3.8%	$131.74B -16.4%	$157.54B -4.6%	$165.09B
Operating Cash Flow	$2.56B -5.6%	$2.71B -15.1%	$3.19B -17.8%	$3.88B -23.2%	$5.05B -15.2%	$5.96B

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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.
$6.0B50,898,490 sh
BlackRock, Inc.
$4.1B34,915,032 sh
VANGUARD CAPITAL MANAGEMENT LLC
$3.5B29,902,916 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.9B24,356,406 sh
STATE STREET CORP
$2.8B23,513,644 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.2B10,600,232 sh
WELLS FARGO & COMPANY/MN
$1.0B8,636,237 sh
MORGAN STANLEY
$942.8M8,040,706 sh
NORTHERN TRUST CORP
$736.7M6,282,869 sh
GOLDMAN SACHS GROUP INC
$624.3M5,324,201 sh

Fund	Value	Shares
Japan Post Holdings Co., Ltd.	$6.0B	50,898,490
BlackRock, Inc.	$4.1B	34,915,032
VANGUARD CAPITAL MANAGEMENT LLC	$3.5B	29,902,916
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.9B	24,356,406
STATE STREET CORP	$2.8B	23,513,644
GEODE CAPITAL MANAGEMENT, LLC	$1.2B	10,600,232
WELLS FARGO & COMPANY/MN	$1.0B	8,636,237
MORGAN STANLEY	$942.8M	8,040,706
NORTHERN TRUST CORP	$736.7M	6,282,869
GOLDMAN SACHS GROUP INC	$624.3M	5,324,201

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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. AFL is classified as a large company.

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.