What Is AFLAC Incorporated (AFL) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on AFLAC Incorporated at its current price of $123.26. The composite intrinsic value is estimated at $120.12 (-2.5% average return), with 8 models flagging overvaluation risk. Notably, ML-RIV sees the most upside at +130.0% (fair value: $283.47), while EROIC is the most conservative at -43.1% ($70.09). The spread between these extremes — +173.1% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About AFL?
11 of 13 models are currently active for AFL. Of these, 2 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates AFL's intrinsic value at $103.52, implying -16.0% downside from the current price. See which stocks rank higher →
How Does AFL Rank in Insurance - Life?
Among 3 Insurance - Life stocks, AFL ranks #1 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places AFL in the top tier.
Within the Insurance - Life space, AFLAC Incorporated competes in an environment where combined ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is AFL a Value Trap?
CirclFi's Value Trap algorithm assigns AFL a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for AFLAC Incorporated. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, AFLAC Incorporated's fundamental quality profile registers 8.4/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +173.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every AFL valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across AFL's 11 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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