Aflac · Financials
AFL
$124.72
Aflac Incorporated is an American insurance company and is the largest provider of supplemental insurance in the United States. It was founded in 1955 and is based in Columbus, Georgia.美国联合保险公司是一家美国保险公司，是美国最大的补充保险提供商。它成立于1955年，总部位于佐治亚州哥伦布。
Financial金融股
Large cap大盘
$65B
Engine stance引擎立场2026-07-20
Neutral — no clear edge中性 — 无明显优势
The daily turn is already in — a low formed ~19 day(s) ago @ 115.47 and price is back above the 10-day average. What's m日线转向已经完成——低点于约 19 天前形成 @ 115.47，且价格已重新站上 10 日均线。尚缺的是周线周期的确认，因此这是当下可用的部分信心入场，而非待触发信号：可在此建半仓，或等待周线转向。
Key Statistics关键统计
Price价格
$124.72
0.0% below 52-week high0.0% below 52-week high
Market Cap市值
$65B
Normal volume正常成交量
P/E Ratio市盈率
17.7x
15.0x sector median
Beta贝塔
-0.09
Moves about -0.1x the market波动幅度约为市场的 -0.1 倍
RSI (14)RSI（14）
66
Elevated偏高
Next Earnings下次财报
2026-08-04 (16d)
Volatility Rank波动率分位
71th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
2.4% of float
Performance价格表现
| Period周期 | AFL | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +2.3% | -1.5% | Beat the index by 3.8 points跑赢指数 3.8 个百分点 |
| 1 Month近1月 | +7.3% | +0.6% | Beat the index by 6.7 points跑赢指数 6.7 个百分点 |
| 3 Months近3月 | +9.5% | +4.7% | Beat the index by 4.8 points跑赢指数 4.8 个百分点 |
| 6 Months近6月 | +15.1% | +7.8% | Beat the index by 7.3 points跑赢指数 7.3 个百分点 |
| Year to date年初至今 | +14.3% | +9.1% | Beat the index by 5.2 points跑赢指数 5.2 个百分点 |
| 1 Year近1年 | +25.6% | +19.4% | Beat the index by 6.2 points跑赢指数 6.2 个百分点 |
Technicals技术面
RSI (14)RSI（14）
66
Elevated偏高
vs 50-day相对50日均线
+6.2% vs 50-day avg
vs 200-day相对200日均线
+11.6% vs 200-day avg
Volatility rank波动率分位
71th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$123.80
Don't chase above不追高于
$125.40
Stop止损
$115.50
Cycle turn — awaiting confluence cross周期拐点 — 等待共振交叉确认
Earnings财务业绩
16
days until next report天后公布财报
2026-08-04
Estimates being cut预期下调
Post-earnings drift: -5.1% (20d)财报后漂移：-5.1%（20日）
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | AFL | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 17.74x | 14.99 | 33% |
| P/B市净率 | 2.19x | 1.52 | 32% |
| P/S市销率 | 3.77x | 2.87 | 39% |
| Earnings yield盈利收益率 | 5.64% | 6.58 | 35% |
| Shareholder yield股东收益率 | 5.46% | 3.91 | 65% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: -5.0%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 0.4%
Margins利润率
12.4%Return on Equity股本回报率
3.1%Return on Assets资产回报率
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $3.5B |
| Share count change (1y)股数变化（1年） | -5.7% |
Piotroski皮奥特罗斯基 3/6
Watch关注
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 35% of its sector on blended multiples综合估值倍数低于行业内 35% 的公司
Beta市场敏感度
-0.09×
0.21×3×
Has tended to move opposite the market (factor-adjusted)经因子调整后常与大盘反向波动
Financial Health财务健康
3/6
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Insurance & Brokers theme — #5 of 46 themes「保险与经纪」主题 — 46 个主题中第 5 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Short interest changed +18.3%空头仓位变动 +18.3%
Technical技术面
AFL took relative-strength leadershipAFL 取得相对强弱领先
Options Positioning期权持仓
Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±1.49%
Expected weekly move预期周波动
±3.33%
Call wall看涨密集区
$125
Put wall看跌密集区
$116
Gamma flip伽玛翻转
$103
25d risk reversal25d风险逆转
-4.2%
Skew: 偏斜：fear
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$43.9M net (0 buyers, 8 sellers)-$43.9M 净值（0 买家，8 卖家）
Signal History信号历史
TURN SIGNALED
BOTTOMING
Jul 17, 2026
AFL took relative-strength leadershipAFL 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $124.72.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$124.72。
Jul 17, 2026
AFL made a new 52-week highAFL 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $124.72.价格创出52周新高 — 全市场关注的动量/趋势极值。$124.72。
Jul 13, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 10, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 7, 2026
AFL made a new 52-week highAFL 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $121.49.价格创出52周新高 — 全市场关注的动量/趋势极值。$121.49。
Jul 2, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
AFL made a new 52-week highAFL 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $120.88.价格创出52周新高 — 全市场关注的动量/趋势极值。$120.88。
Jul 1, 2026
NEARING A LOW → UPTREND接近低点 → 上涨趋势
HOLD持有
Jun 30, 2026
UPTREND → NEARING A LOW上涨趋势 → 接近低点
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Factor Profile因子特征
Composite factor score综合因子得分: 0.28
Value价值
-0.1
Quality质量
-0.8
Investment资本投入
+0.6
Shareholder payout股东回报
+0.4
Low volatility低波动
+1.4
Low market beta低市场敏感度
+1.2
Earnings quality盈利质量
-1.0
Short interest空头兴趣
+0.4
Company Profile公司档案
Aflac Incorporated is an American insurance company and is the largest provider of supplemental insurance in the United States. It was founded in 1955 and is based in Columbus, Georgia.美国联合保险公司是一家美国保险公司，是美国最大的补充保险提供商。它成立于1955年，总部位于佐治亚州哥伦布。
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