Aflac Incorporated (AFL) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
Aflac Incorporated (AFL) scores 4.3 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on profitability, and growth is what holds it back.
2 pillars, solvency and efficiency, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Aflac Incorporated’s returns on capital beat their cost in almost every measured year, by a clear margin: 3 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for AFL stands at 4.3 out of 10 as of October 16, 2026, which puts Aflac Incorporated in the mixed quality band. In this band one or two pillars are usually holding the score up while others drag it down, which the breakdown below makes visible. It rolls Aflac Incorporated’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Among the 261 Financials companies with a published score, that ranks at the 18th percentile, near the foot of the group. For reference, the middle of the group scores 5.9 and a company needs 6.8 to reach its top quarter, which leaves Aflac Incorporated well below the median.
On profitability, Aflac Incorporated scores 6.6, an average reading. Its peers have a median of 6.8 across 255 Financials companies, which places it in line with them, at the 43rd percentile. An average profitability reading usually means the company earns a fair return without obvious pricing power, so the other pillars decide more of the story.
Solvency has no score for Aflac Incorporated. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median solvency score across 140 Financials companies is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
On growth, Aflac Incorporated scores 2.3, a weak reading. Its peers have a median of 4.6 across 241 Financials companies, which places it well below them, at the 19th percentile. When growth is this low the question is whether it is a pause or a trend, and the history behind the filings is the place to look.
Efficiency has no score for Aflac Incorporated. Fewer than half of the pillar’s metric weight could be computed from the reported statements, so it is drawn as a dash and left out of the overall rather than counted as a zero. For context, the median efficiency score across 211 Financials companies is 5.8. Without it the overall cannot say how well reported profit turns into cash.
On predictability, Aflac Incorporated scores 3.5, a weak reading. Its peers have a median of 4.9 across 256 Financials companies, which places it below them, at the 28th percentile. Weak predictability means revenue or earnings have swung widely from year to year, so any single year’s figures are a less reliable guide.
The gap between Aflac Incorporated’s best and worst pillar is wide: profitability at 6.6 against growth at 2.3, 4.3 points apart. An average of two readings this different deserves a closer look than the headline number. A profitability lead usually reflects something durable in the business model rather than a good year. Slow growth limits how fast the business can compound, even when everything else is in order.
The pillar with the most room to move the score is growth. If it rose to the median of Financials companies, 4.6, Aflac Incorporated’s overall score would go from 4.3 to about 5.0. With two pillars unscored, the overall rests on 65 of the 100 weight points, spread across the three pillars that could be measured (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20).
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to Aflac Incorporated by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Aflac Incorporated scores 4.3 out of 10, which reads as mixed quality. Its strongest pillar is profitability, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Aflac Incorporated ranks at the 18th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Aflac Incorporated’s 4.3.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for AFL are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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