What Is AFL Fair Value?
Aflac (AFL) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Aflac (AFL) has a composite fair value estimate of $126.43 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $116.44, suggesting the stock is fair value by 8.6%.
Data as of October 14, 2026 (today)
Composite Fair Value
Fair Value4 of 4 models$126.43
vs. current price of $116.44(+8.6%)
How Is AFL Fair Value Calculated?
Four independent models estimate what AFL is worth. Each uses different inputs and assumptions. The composite blends them by weight.
AFL Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$188.77
+62.1%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$44.78
-61.5%Overvalued
Inputs used
AFL Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$97.67
-16.1%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$70.25
-39.7%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $116.44 is 62.1% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $5.26B | $4.92B |
| Year 2 | $5.36B | $4.70B |
| Year 3 | $5.47B | $4.49B |
| Year 4 | $5.58B | $4.29B |
| Year 5 | $5.69B | $4.10B |
| Year 6 | $5.80B | $3.92B |
| Year 7 | $5.92B | $3.74B |
| Year 8 | $6.04B | $3.57B |
| Year 9 | $6.16B | $3.41B |
| Year 10 | $6.28B | $3.26B |
| Terminal Value | $150.58B | $78.18B |
What Are AFL's Key Financial Metrics?
Earnings & Growth
Current Price
$116.44
EPS (TTM)
$9.30
Forward P/E
15.3
Profit Margin
26.9%
Cash & Balance Sheet
Free Cash Flow
5.2B
EBITDA
6.1B
Book Value
$60.35
Total Debt
16.2B
What Do Analysts Say About AFL?
Low
$101.00
Average
$117.13
High
$138.00
Upside
+0.6%
AFL Fair Value FAQ
What is the fair value of AFL?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), AFL's estimated fair value is $126.43. The stock is currently trading at $116.44, which makes it fair value by our analysis.
How is AFL's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is AFL overvalued or undervalued?
Based on our analysis, AFL is fair value. The current price of $116.44 is 8.6% below our estimated fair value of $126.43.
What do Wall Street analysts say about AFL?
15 analysts cover Aflac with a consensus rating of "Hold." The average price target is $117.13, ranging from $101.00 to $138.00. This implies 0.6% upside from the current price.