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AFLAC Incorporated (AFL)
NYSE:AFL
US Market
AFL
AFLAC
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AFLAC (AFL) Ratios

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AFLAC Ratios

AFL's free cash flow for Q1 2026 was $0.58. For the 2026 fiscal year, AFL's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 0.00 0.00 0.00
Quick Ratio
 0.00 0.00 0.00 0.00 0.00
Cash Ratio
 0.00 0.00 0.00 0.00 0.00
Solvency Ratio
 0.06 0.05 0.06 0.04 0.04
Operating Cash Flow Ratio
 0.00 0.00 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -91.69B$ -79.18B$ -91.47B$ -104.74B$ -111.60B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.07 0.06 0.06 0.06
Debt-to-Equity Ratio
 0.35 0.29 0.29 0.33 0.37
Debt-to-Capital Ratio
 0.26 0.22 0.22 0.25 0.27
Long-Term Debt-to-Capital Ratio
 0.26 0.22 0.22 0.25 0.27
Financial Leverage Ratio
 5.36 3.95 4.50 5.76 6.54
Debt Service Coverage Ratio
 24.73 21.08 27.63 23.89 19.55
Interest Coverage Ratio
 24.53 21.10 32.57 26.98 21.54
Debt to Market Cap
 0.13 0.14 0.13 0.15 0.16
Interest Debt Per Share
 15.56 16.28 13.79 12.68 12.08
Net Debt to EBITDA
 0.38 0.39 0.20 0.58 0.72
Profitability Margins
Gross Profit Margin
47.76%38.93%35.63%100.00%100.00%
EBIT Margin
31.61%26.67%33.55%27.93%25.42%
EBITDA Margin
36.58%31.68%33.55%27.93%25.42%
Operating Profit Margin
30.97%26.61%33.55%27.93%25.42%
Pretax Profit Margin
30.80%25.99%33.55%27.93%25.42%
Net Profit Margin
25.44%20.91%28.46%24.73%23.07%
Continuous Operations Profit Margin
25.44%20.91%28.46%24.73%23.07%
Net Income Per EBT
82.59%80.43%84.82%88.54%90.74%
EBT Per EBIT
99.47%97.67%100.00%100.00%100.00%
Return on Assets (ROA)
3.86%3.13%4.63%3.68%3.35%
Return on Equity (ROE)
17.20%12.36%20.86%21.19%21.94%
Return on Capital Employed (ROCE)
4.69%3.98%5.46%4.15%3.70%
Return on Invested Capital (ROIC)
3.88%3.21%0.00%0.00%0.00%
Return on Tangible Assets
3.86%3.39%5.01%3.68%3.35%
Earnings Yield
7.71%6.24%9.43%9.47%9.67%
Efficiency Ratios
Receivables Turnover
 20.38 20.88 24.55 22.22 29.60
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 46.60 49.68 49.43 42.34 36.13
Asset Turnover
 0.15 0.15 0.16 0.15 0.15
Working Capital Turnover Ratio
 2.62 4.47 0.00 0.00 0.00
Cash Conversion Cycle
 17.91 17.48 14.86 16.43 12.33
Days of Sales Outstanding
 17.91 17.48 14.86 16.43 12.33
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 17.91 17.48 14.86 16.43 12.33
Cash Flow Ratios
Operating Cash Flow Per Share
 5.72 4.82 4.85 5.35 6.11
Free Cash Flow Per Share
 5.72 4.82 4.85 5.35 6.11
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 2.45 2.13 2.49 3.30 3.96
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.38 0.30 0.36 0.43 0.52
Operating Cash Flow to Sales Ratio
 0.16 0.15 0.14 0.17 0.20
Free Cash Flow Yield
4.92%4.37%4.69%6.49%8.49%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.97 16.03 10.60 10.56 10.34
Price-to-Sales (P/S) Ratio
 3.27 3.35 3.02 2.61 2.38
Price-to-Book (P/B) Ratio
 2.68 1.98 2.21 2.24 2.27
Price-to-Free Cash Flow (P/FCF) Ratio
 20.34 22.88 21.32 15.42 11.77
Price-to-Operating Cash Flow Ratio
 20.50 22.88 21.32 15.42 11.77
Price-to-Earnings Growth (PEG) Ratio
 0.35 -0.55 0.44 0.86 1.23
Price-to-Fair Value
 2.68 1.98 2.21 2.24 2.27
Enterprise Value Multiple
 9.33 10.97 9.19 9.93 10.10
Enterprise Value
 62.18B 60.61B 58.98B 52.24B 49.17B
EV to EBITDA
 9.33 10.97 9.19 9.93 10.10
EV to Sales
 3.41 3.48 3.08 2.77 2.57
EV to Free Cash Flow
 21.19 23.72 21.79 16.38 12.68
EV to Operating Cash Flow
 21.19 23.72 21.79 16.38 12.68
Tangible Book Value Per Share
 43.73 38.59 30.61 36.88 31.73
Shareholders’ Equity Per Share
 43.73 55.64 46.78 36.88 31.73
Tax and Other Ratios
Effective Tax Rate
 0.17 0.20 0.15 0.11 0.09
Revenue Per Share
 35.52 32.90 34.29 31.60 30.17
Net Income Per Share
 9.04 6.88 9.76 7.81 6.96
Tax Burden
 0.83 0.80 0.85 0.89 0.91
Interest Burden
 0.97 0.97 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.15 0.15 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 >-0.01 0.00 0.00 0.00 0.00
Income Quality
 0.63 0.70 0.50 0.68 0.88
Currency in USD