NASDAQ · STOCK
Aflac
$127.49
52W $96.95 – $130.22
60/100
$64.89B
14.5
0.60
Is AFL Bullish or Bearish?
Bullish.
Innellis AI committee rates Aflac (AFL) Buy with a composite score of 60/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.96 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.04 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 14.0 is inexpensive for the broad market — Value
- ROE of 16.1% shows genuine earnings power backing the valuation — Value
- EPS growing 37.5% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- 2 consecutive earnings misses -- execution concerns — Growth
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical
- Current ratio of 0.04 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
60/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 48%
of 141 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.0 is inexpensive for the broad market
Growth Analyst
neutral
58
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ EPS growing 37.5% YoY
− 2 consecutive earnings misses -- execution concerns
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 77 -- overbought on the larger timeframe too
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.28) -- balance sheet can absorb a shock
− Current ratio of 0.04 is tight -- limited short-term liquidity cushion
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 15 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 60.0 to 60.0.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: score 61->69 (+8); +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
64.6
Neutral
MACD Histogram
0.264
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.82
Inside Bands
Price vs Moving Averages
EMA 9
$126.53
Above
EMA 21
$124.23
Above
EMA 50
$120.78
Above
EMA 200
$114.23
Above
Fundamental Analysis
Valuation
96
Growth
71
Profitability
1
Financial Health
100
Cash Flow
38
Valuation
P/E Ratio
14.5×
P/B Ratio
2.18×
PEG Ratio
0.39
Dividend Yield
0.02%
52W High
$130.22
52W Low
$96.95
Quality & Growth
ROE
12.4%
ROA
3.1%
Gross Margin
47.8%
Operating Margin
31.0%
Revenue Growth YoY
—
Debt / Equity
0.26
AI Fundamental Assessment
P/E ratio of 14.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.2x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.3%; Gross margin of 0.5%; Current ratio of 8.86 (healthy short-term liquidity); Debt-to-equity of 0.26; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (5.72); Most recent quarter missed estimates by 4.4%; 2 consecutive earnings misses; EPS growth accelerating (-36.9% -> +11.5% QoQ); Analyst estimates rising over recent quarters
Get the Full AFL Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →