AFLAC Financial Ratios
NYSE: AFLFinanceAccident &Health InsuranceUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
AFLAC ratio analysis
AFLAC earned a net margin of 21.2% in FY 2025, down from 28.8% a year earlier. Return on equity reached 12.4%, meaning AFLAC generated 0.12 dollars of profit for every dollar of shareholders' equity. At the end of FY 2025, AFL traded at 16.2 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 6.7 to 16.2, with a median of 10.7.
Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
AFLAC financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 16.16 | 10.71 | 10.60 | 10.38 | 9.34 | 6.67 | 11.96 | 11.92 | 7.61 | 10.84 |
| Price / sales | 3.42 | 3.07 | 2.63 | 2.39 | 1.82 | 1.43 | 1.76 | 1.59 | 1.60 | 1.27 |
| Price / book | 1.99 | 2.22 | 2.24 | 2.27 | 2.31 | 0.95 | 1.36 | 1.47 | 1.41 | 1.40 |
| Operating margin | — | — | — | 21.7% | 22.9% | 19.9% | 20.0% | 20.0% | 18.9% | 18.2% |
| Net margin | 21.2% | 28.8% | 24.9% | 23.1% | 19.6% | 21.6% | 14.8% | 13.4% | 21.2% | 11.8% |
| Free cash flow margin | 14.9% | 14.3% | 17.1% | 20.3% | 23.4% | 26.9% | 24.5% | 27.6% | 28.3% | 26.5% |
| Return on equity (ROE) | 12.4% | 20.9% | 21.2% | 21.9% | 24.8% | 14.2% | 11.4% | 12.4% | 18.7% | 13.0% |
| Return on assets (ROA) | 3.1% | 4.6% | 3.7% | 3.4% | 2.7% | 2.9% | 2.2% | 2.1% | 3.4% | 2.0% |
| Revenue growth | -9.3% | 1.2% | -2.3% | -11.2% | -2.7% | -0.7% | 2.5% | 0.4% | -4.0% | 8.1% |
| EPS growth | -29.2% | 23.8% | 12.3% | 10.9% | -6.3% | 50.6% | 17.5% | -34.7% | 79.8% | -45.1% |