What Is AFL Fair Value?
Aflac (AFL) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Aflac (AFL) has a composite fair value estimate of $116.53 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $121.01, suggesting the stock is fair value by 3.7%.
Data as of July 16, 2026 (today)
Composite Fair Value
Fair Value4 of 4 models$116.53
vs. current price of $121.01(-3.7%)
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 →
$166.33
+37.4%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 →
$42.79
-64.6%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 →
$96.29
-20.4%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.
$70.22
-42.0%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 $121.01 is 37.4% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $5.02B | $4.69B |
| Year 2 | $5.12B | $4.47B |
| Year 3 | $5.22B | $4.26B |
| Year 4 | $5.33B | $4.05B |
| Year 5 | $5.44B | $3.86B |
| Year 6 | $5.54B | $3.68B |
| Year 7 | $5.66B | $3.50B |
| Year 8 | $5.77B | $3.34B |
| Year 9 | $5.88B | $3.18B |
| Year 10 | $6.00B | $3.03B |
| Terminal Value | $134.27B | $67.74B |
What Are AFL's Key Financial Metrics?
Earnings & Growth
Current Price
$121.01
EPS (TTM)
$8.68
Forward P/E
16.0
Profit Margin
25.6%
Cash & Balance Sheet
Free Cash Flow
4.9B
EBITDA
5.9B
Book Value
$58.69
Total Debt
14.5B
What Do Analysts Say About AFL?
Low
$98.00
Average
$116.43
High
$137.00
Upside
-3.8%
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 $116.53. The stock is currently trading at $121.01, 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 $121.01 is 3.7% above our estimated fair value of $116.53.
What do Wall Street analysts say about AFL?
14 analysts cover Aflac with a consensus rating of "Hold." The average price target is $116.43, ranging from $98.00 to $137.00. This implies 3.8% downside from the current price.