Aflac Inc offers supplemental health insurance and life insurance in United States and Japan. In addition to its cancer policies, the company has broadened its product offerings to include accident, dental and vision, disability, and long-term-care insurance. It markets its products through independent distributors, selling majority of its policies directly to consumers at their places of work and also reaches out to its customers out of their worksite through digital mediums. The company has two reportable business segments; Aflac Japan which generates the majority of the revenue, and Aflac U.S.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.82
Equity-to-Asset	0.22
Debt-to-Equity	0.29
Debt-to-EBITDA	1.15
Interest Coverage	33.56
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.15	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.4
	3-Year EBITDA Growth Rate	14
	3-Year EPS without NRI Growth Rate	9
	3-Year FCF Growth Rate	-13.8
	3-Year Book Growth Rate	-7.8
	Future 3-5Y EPS without NRI Growth Rate Estimate	5.05
	Future 3-5Y Total Revenue Growth Rate Estimate	-1.08

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	46.19
	9-Day RSI	55.3
	14-Day RSI	59.11
	6-1 Month Momentum %	24
	12-1 Month Momentum %	29.27

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.7
	Dividend Payout Ratio	0.27
	3-Year Dividend Growth Rate	14.5
	Forward Dividend Yield %	1.74
	5-Year Yield-on-Cost %	2.9
	3-Year Average Share Buyback Ratio	5.8
	Shareholder Yield %	6.29

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	28.16
	FCF Margin %	15.24
	ROE %	23.85
	ROA %	4.36
	ROIC %	4.7
	3-Year ROIIC %	0.68
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	11.87
	Forward PE Ratio	16.26
	PE Ratio without NRI	16.54
	Shiller PE Ratio	17.39
	PEG Ratio	1.53
	PS Ratio	3.35
	PB Ratio	2.42
	Price-to-Tangible-Book	2.42
	Price-to-Free-Cash-Flow	22.11
	Price-to-Operating-Cash-Flow	22.11
	EV-to-EBIT	10.6
	EV-to-EBITDA	10.6
	EV-to-Revenue	3.53
	EV-to-Forward-Revenue	3.97
	EV-to-FCF	23.19
	Price-to-Projected-FCF	0.91
	Price-to-DCF (Earnings Based)	1.12
	Price-to-DCF (FCF Based)	1.92
	Price-to-Median-PS-Value	2.06
	Price-to-Peter-Lynch-Fair-Value	1.23
	Price-to-Graham-Number	1.33
	Earnings Yield (Greenblatt) %	9.43
	FCF Yield %	4.72
	Forward Rate of Return (Yacktman) %	19.3

GF Value: €67.97

HAM:AFL

Warning Signs

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