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Aflac (AFL) Stock Forecast & Price Target

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$106.96 +0.86 (+0.81%)
As of 10:34 AM Eastern
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Aflac - Analysts' Recommendations and Stock Price Forecast (2025)

Consensus Rating

Hold
Based on 13 Analyst Ratings
Sell
2
Hold
8
Buy
3

Based on 13 Wall Street analysts who have issued ratings for Aflac in the last 12 months, the stock has a consensus rating of "Hold." Out of the 13 analysts, 2 have given a sell rating, 8 have given a hold rating, and 3 have given a buy rating for AFL.

Consensus Price Target

$109.15
2.05% Upside
According to the 13 analysts' twelve-month price targets for Aflac, the average price target is $109.15. The highest price target for AFL is $124.00, while the lowest price target for AFL is $98.00. The average price target represents a forecasted upside of 2.05% from the current price of $106.96.
MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. Each analyst's rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst rating is derived from its calculated consensus ratings score (0 to .5 = Strong Sell, .5 to 1 = Sell, 1 to 1.5 = Reduce, 1.5 to 2.5 = Hold, 2.5 to 3.0 = Moderate Buy, 3.0 to 3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
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AFL Analyst Ratings Over Time

TypeCurrent Forecast
8/29/24 to 8/29/25		1 Month Ago
7/30/24 to 7/30/25		3 Months Ago
5/31/24 to 5/31/25		1 Year Ago
8/30/23 to 8/29/24
Strong Buy
0 Strong Buy rating(s)
0 Strong Buy rating(s)
0 Strong Buy rating(s)
0 Strong Buy rating(s)
Buy
3 Buy rating(s)
3 Buy rating(s)
3 Buy rating(s)
3 Buy rating(s)
Hold
8 Hold rating(s)
8 Hold rating(s)
10 Hold rating(s)
8 Hold rating(s)
Sell
2 Sell rating(s)
2 Sell rating(s)
2 Sell rating(s)
2 Sell rating(s)
Consensus Price Target$109.15$108.15$104.93$91.69
Forecasted Upside2.05% Upside9.72% Upside1.39% Upside-16.37% Downside
Consensus Rating
Hold
Hold
Hold
Hold

AFL Analyst Recommendations By Month

The chart below shows how a company's ratings by analysts have changed over time. Each bar represents the previous year of ratings for that month. Within each bar, the sell ratings are shown in red, the hold ratings are shown in yellow, the buy ratings are shown in green, and the strong buy ratings are shown in dark green.
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AFL Price Targets by Month

The chart below shows how a company's share price and consensus price target have changed over time. The dark blue line represents the company's actual price. The lighter blue line represents the stock's consensus price target. The even lighter blue range in the background of the two lines represents the low price target and the high price target for each stock.
Skip Chart and View Analyst Price Target HistorySkip Chart & View Price History Table

Aflac Stock vs. The Competition

TypeAflacFinance CompaniesS&P 500
Consensus Rating Score
2.08
2.53
2.53
Consensus RatingHoldModerate BuyModerate Buy
Predicted Upside2.85% Upside17.85% Upside10.25% Upside
News Sentiment Rating
Positive News

See Recent AFL News
Positive News
Positive News
Export to Excel
DateBrokerageAnalyst NameActionRatingPrice TargetUpside/Downside on Report DateDetails
8/18/2025Morgan Stanley
3 of 5 stars		Nigel Dally
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Boost TargetEqual Weight ➝ Equal Weight$108.00 ➝ $113.00+7.26%
8/14/2025Evercore ISI
3 of 5 stars		Thomas Gallagher
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Reiterated RatingUnderperform ➝ Underperform$105.00 ➝ $106.00+0.68%
8/11/2025Wells Fargo & Company
3 of 5 stars		Elyse Greenspan
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Boost TargetEqual Weight ➝ Equal Weight$105.00 ➝ $107.00+2.71%
8/11/2025Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Ryan Krueger
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Boost TargetMarket Perform ➝ Market Perform$106.00 ➝ $108.00+4.37%
8/6/2025UBS Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Brian Meredith
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Lower TargetNeutral ➝ Neutral$114.00 ➝ $111.00+8.90%
7/8/2025JPMorgan Chase & Co.
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Jimmy Bhullar
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Boost TargetNeutral ➝ Neutral$96.00 ➝ $100.00-2.75%
7/7/2025Barclays
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Alex Scott
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Set TargetUnderweight ➝ Underweight$96.00 ➝ $98.00-5.99%
5/29/2025Raymond James Financial
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Wilma Burdis
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Lower TargetOutperform ➝ Outperform$115.00 ➝ $110.00+7.20%
4/2/2025Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating		John Barnidge
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Boost TargetOverweight ➝ Overweight$118.00 ➝ $124.00+10.41%
1/23/2025BMO Capital Markets
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Jack Matten
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Initiated CoverageMarket Perform$111.00+6.46%
11/1/2024Truist Financial
Subscribe to MarketBeat All Access for the recommendation accuracy rating		 Boost TargetHold ➝ Hold$100.00 ➝ $105.00-0.72%
10/10/2024Bank of America
Subscribe to MarketBeat All Access for the recommendation accuracy rating		 Boost TargetBuy ➝ Buy$115.00 ➝ $124.00+11.27%
10/9/2024TD Cowen
Subscribe to MarketBeat All Access for the recommendation accuracy rating		D. Bergman
Subscribe to MarketBeat All Access for the recommendation accuracy rating		Initiated CoverageHold$102.00-9.31%
7/23/2024Citigroup
Subscribe to MarketBeat All Access for the recommendation accuracy rating		 Boost TargetNeutral ➝ Neutral$84.00 ➝ $93.00-1.57%
6/28/2024Jefferies Financial Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating		 Lower TargetHold ➝ Hold$84.00 ➝ $83.00-7.63%
1/9/2024The Goldman Sachs Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating		 Boost TargetSell ➝ Sell$61.00 ➝ $75.00-9.50%

Analyst ratings data on MarketBeat is provided by Benzinga and other data providers. This page was last refreshed on Friday at 10:34 AM ET.


Should I Buy Aflac Stock? AFL Pros and Cons Explained

These pros and cons were generated based on recent news and financial data from MarketBeat in order to provide readers with the fastest and most accurate insights. They were last updated on Thursday, August 28, 2025. Please send any questions or comments about these Aflac pros and cons to contact@marketbeat.com.

Aflac
Bull Case

green Wall Street bull icon

Here are some ways that investors could benefit from investing in Aflac Incorporated:

  • The current stock price is around $102, which may be considered attractive compared to its 1-year high of $115.50, indicating potential for price appreciation.
  • Aflac Incorporated has a solid market capitalization of approximately $56.82 billion, suggesting stability and a strong presence in the financial services sector.
  • The company recently reported earnings per share (EPS) of $1.78, exceeding analysts' expectations, which reflects strong operational performance.
  • Aflac has a consistent dividend payout, with a recent quarterly dividend of $0.58, translating to an annual yield of about 2.2%, providing income to investors.
  • The firm has initiated a share repurchase program, allowing it to buy back 100 million shares, which can signal to the market that the company believes its stock is undervalued.

Aflac
Bear Case

red Wall Street bear icon

Investors should be bearish about investing in Aflac Incorporated for these reasons:

  • The company experienced a revenue decline of 19% compared to the same quarter last year, which may raise concerns about its growth prospects.
  • Aflac's current and quick ratios are both at 0.11, indicating potential liquidity issues, as these ratios measure the company's ability to meet short-term obligations.
  • The stock has a P/E ratio of 24.08, which may be considered high, suggesting that the stock could be overvalued relative to its earnings.
  • Analysts have mixed ratings on the stock, with a consensus rating of "Hold," indicating uncertainty about its future performance.
  • Insider ownership is relatively low at 0.80%, which may suggest a lack of confidence from those closest to the company.

AFL Forecast - Frequently Asked Questions

According to the research reports of 13 Wall Street equities research analysts, the average twelve-month stock price forecast for Aflac is $109.15, with a high forecast of $124.00 and a low forecast of $98.00.

13 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for Aflac in the last twelve months. There are currently 2 sell ratings, 8 hold ratings and 3 buy ratings for the stock. The consensus among Wall Street research analysts is that investors should "hold" AFL shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in AFL, but not buy additional shares or sell existing shares.

According to analysts, Aflac's stock has a predicted upside of 2.05% based on their 12-month stock forecasts.

Aflac has been rated by research analysts at Barclays, Evercore ISI, JPMorgan Chase & Co., Keefe, Bruyette & Woods, Morgan Stanley, UBS Group, and Wells Fargo & Company in the past 90 days.

Analysts like Aflac less than other "finance" companies. The consensus rating for Aflac is Hold while the average consensus rating for "finance" companies is Moderate Buy. Learn more on how AFL compares to other companies.

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This page (NYSE:AFL) was last updated on 8/29/2025 by MarketBeat.com Staff
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