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Aflac (AFL) Stock Forecast & Price Target

Aflac logo
$107.40 +0.66 (+0.62%)
As of 10:51 AM Eastern
This is a fair market value price provided by Polygon.io. Learn more.
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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
1.63% 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 1.63% from the current price of $107.40.
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
9/4/24 to 9/4/25		1 Month Ago
8/5/24 to 8/5/25		3 Months Ago
6/6/24 to 6/6/25		1 Year Ago
9/5/23 to 9/4/24
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)
3 Sell rating(s)
Consensus Price Target$109.15$108.15$104.93$92.50
Forecasted Upside1.63% Upside9.17% Upside1.18% Upside-16.29% 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 Upside2.32% Upside19.34% Upside11.42% 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 Thursday at 10:51 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 Monday, September 1, 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 present a buying opportunity for investors looking for value in the insurance sector.
  • Aflac Incorporated has a strong market capitalization of approximately $57.20 billion, indicating a solid position in the financial services industry.
  • The company recently reported earnings per share of $1.78, surpassing analyst expectations, which reflects strong operational performance.
  • Aflac has a consistent dividend payout, with a recent quarterly dividend of $0.58 per share, providing a reliable income stream for investors.
  • The company has authorized a stock buyback plan, which can signal to investors that the management believes the stock is undervalued, potentially leading to price appreciation.

Aflac
Bear Case

red Wall Street bear icon

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

  • The company's revenue has decreased by 19% compared to the same quarter last year, which may raise concerns about future growth prospects.
  • Aflac's debt-to-equity ratio is relatively low at 0.33, which could indicate a conservative approach to leveraging, but may also limit growth opportunities compared to more aggressive competitors.
  • Analysts have mixed ratings on the stock, with three Buy ratings, eight Hold ratings, and two Sell ratings, suggesting uncertainty in market sentiment.
  • The stock has a P/E ratio of 24.25, which may be considered high compared to industry averages, potentially indicating overvaluation.
  • Recent insider selling, including a director selling shares, could signal a lack of confidence in the stock's short-term performance.

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 year. 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 1.63% 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 9/4/2025 by MarketBeat.com Staff
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