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STOCKS

AFLAC (AFL)

NYSE:AFL

AFL

AFLAC

RESEARCH TOOLSreports

AFLAC (AFL) Ratios

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2,050 Followers

AFLAC Ratios

AFL's free cash flow for Q3 2025 was $0.00. For the 2025 fiscal year, AFL's free cash flow was decreased by $ and operating cash flow was $0.43. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	48.21	0.00	61.98	24.07	23.99
Quick Ratio	48.21	0.00	67.56	25.80	25.67
Cash Ratio	4.58	0.00	3.04	1.16	1.10
Solvency Ratio	0.06	0.04	0.04	0.54	0.61
Operating Cash Flow Ratio	1.74	0.00	2.99	1.16	1.28
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -3.53B	$ -75.67B	$ -31.27B	$ 96.48B	$ 103.92B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.06	0.06	0.05	0.05
Debt-to-Equity Ratio	0.00	0.33	0.37	0.24	0.24
Debt-to-Capital Ratio	0.00	0.25	0.27	0.19	0.19
Long-Term Debt-to-Capital Ratio	0.00	0.25	0.27	0.19	0.19
Financial Leverage Ratio	4.26	5.76	6.54	4.74	4.92
Debt Service Coverage Ratio	10.41	23.89	20.75	19.36	20.85
Interest Coverage Ratio	14.84	26.98	22.54	22.36	17.19
Debt to Market Cap	0.00	0.15	0.16	0.20	0.25
Interest Debt Per Share	0.39	12.68	12.08	12.16	11.41
Net Debt to EBITDA	-2.18	0.58	0.68	0.52	0.62
Profitability Margins
Gross Profit Margin	23.45%	100.00%	98.56%	100.00%	100.00%
EBIT Margin	28.77%	27.93%	26.62%	24.64%	19.80%
EBITDA Margin	17.32%	27.93%	26.85%	25.36%	19.99%
Operating Profit Margin	17.32%	27.93%	26.62%	24.07%	18.78%
Pretax Profit Margin	28.45%	27.93%	25.44%	24.07%	18.78%
Net Profit Margin	23.28%	24.73%	23.08%	19.14%	21.57%
Continuous Operations Profit Margin	23.28%	24.73%	23.08%	19.56%	21.57%
Net Income Per EBT	81.81%	88.54%	90.74%	79.50%	114.88%
EBT Per EBIT	164.28%	100.00%	95.56%	100.00%	100.00%
Return on Assets (ROA)	3.41%	3.68%	3.35%	2.69%	2.89%
Return on Equity (ROE)	15.39%	21.19%	21.94%	12.72%	14.24%
Return on Capital Employed (ROCE)	2.57%	4.15%	3.91%	3.47%	2.59%
Return on Invested Capital (ROIC)	3.62%	3.05%	2.63%	1.94%	2.00%
Return on Tangible Assets	3.41%	3.97%	3.60%	2.86%	3.10%
Earnings Yield	6.86%	9.47%	9.67%	10.76%	15.05%
Efficiency Ratios
Receivables Turnover	21.02	22.22	29.58	31.90	27.82
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	-0.04	0.00	0.00
Fixed Asset Turnover	48.80	42.34	36.11	41.09	36.85
Asset Turnover	0.15	0.15	0.15	0.14	0.13
Working Capital Turnover Ratio	0.51	0.35	0.21	0.21	0.22
Cash Conversion Cycle	17.36	16.43	-9.58K	11.44	13.12
Days of Sales Outstanding	17.36	16.43	12.34	11.44	13.12
Days of Inventory Outstanding	0.00	0.00	-9.59K	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	17.36	16.43	-9.58K	11.44	13.12
Cash Flow Ratios
Operating Cash Flow Per Share	4.85	5.35	6.11	7.50	8.35
Free Cash Flow Per Share	4.85	5.35	6.11	7.50	8.35
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	2.19	3.30	3.96	5.91	7.75
Capital Expenditure Coverage Ratio	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Coverage Ratio	0.00	0.43	0.52	0.63	0.75
Operating Cash Flow to Sales Ratio	0.14	0.17	0.20	0.23	0.27
Free Cash Flow Yield	4.15%	6.49%	8.49%	12.84%	18.77%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.59	10.56	10.34	9.30	6.64
Price-to-Sales (P/S) Ratio	3.47	2.61	2.39	1.78	1.43
Price-to-Book (P/B) Ratio	2.12	2.24	2.27	1.18	0.95
Price-to-Free Cash Flow (P/FCF) Ratio	24.13	15.42	11.77	7.79	5.33
Price-to-Operating Cash Flow Ratio	23.65	15.42	11.77	7.79	5.33
Price-to-Earnings Growth (PEG) Ratio	0.20	0.86	1.23	-2.30	0.13
Price-to-Fair Value	2.12	2.24	2.27	1.18	0.95
Enterprise Value Multiple	17.84	9.93	9.57	7.54	7.79
Enterprise Value	55.24B	52.24B	49.17B	42.24B	34.50B
EV to EBITDA	17.81	9.93	9.57	7.54	7.79
EV to Sales	3.08	2.77	2.57	1.91	1.56
EV to Free Cash Flow	21.47	16.38	12.68	8.36	5.79
EV to Operating Cash Flow	21.47	16.38	12.68	8.36	5.79
Tangible Book Value Per Share	89.74	21.11	17.77	207.53	205.24
Shareholders’ Equity Per Share	54.12	36.88	31.73	49.36	47.02
Tax and Other Ratios
Effective Tax Rate	0.18	0.11	0.09	0.19	-0.15
Revenue Per Share	33.79	31.60	30.15	32.82	31.03
Net Income Per Share	7.87	7.81	6.96	6.28	6.69
Tax Burden	0.82	0.89	0.91	0.80	1.15
Interest Burden	0.99	1.00	0.96	0.98	0.95
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.04	0.00	0.16	0.15	0.14
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	0.62	0.68	0.92	1.17	1.25

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