Aflac (AFL) stock: analyst price target and their real reliability
Live quote · data updated Oct 14, 2026
Aflac · Financials · ref. ETF XLF · 50 calls · price $116.44
What the company does: Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies.
📈 Aflac (AFL) stock price
$116.44+4.4% over range
Oct 14, 25low $105.7 · high $129.55Oct 13, 26
📏 Click 2 points (left → right) to measure the change · click again to clear.
SellBuy
Hold
8% recommend buying · 12 analysts
📊 JPI status : Aflac has never appeared in a JPI ranking (Fair or Risk +) — our methods haven't picked it to date. See the selected stocks →
⚠️ The stock trades above the median target: it has beaten expectations. The “Hold” reflects conviction on the company, but the remaining quantified upside is low/negative.
🎯 AFL price target & analyst consensus — price $116
The price target · all analysts combined (12 targets)
Highest target · 1 firm of 12$138+18.5%
Median target · of 12 targets$115.5-0.8%
Lowest target · 1 firm of 12$101-13.3%
Current price$116.44
Where these 12 targets sit · versus the current price · 1 target per firm, last 6 months
Above the price
433%
$120 ↔ $138
Below
867%
$101 ↔ $116
⭐ What the most reliable analysts say
· those who beat their sector, targets replayed on real prices
⭐ The most reliable of them, either direction: Piper Sandler — 71% of its targets hit on this sector (421 calls tested). It aims for $138 (+19 %), call made on August 11, 2026, maturing on August 11, 2027 (64 d ago).
The 8 reliable analysts
$116-0.4 %
The 4 other firms
$112-4.2 %
How to read it: the 8 reliable firms are not filtered by optimism — 3 aim above the price, 5 below, hence their $116 median. “The 4 others” are the firms that don't pass our reliability filter on this sector.
The consensus · 12 ratings (last 6 months)
Strong Buy00%
Buy18%
Hold758%
Sell433%
Strong Sell00%
Go deeper on the analysts
🎯 AFL price target all
All 14 calls, one by one, with our verdict on each firm.
→ See all 14 targets, analyst by analyst💡 The best analysts on AFL most reliable
The case for and against, with the numbers, per those who've been right on the stock.
→ Should you invest in AFL? The case for & againstAll analysts (the consensus) · vs · the best (those who've been right)
💬 A question about Aflac? The JPI assistant answers using our backtest data.
💰 Aflac dividend: yield, history & growth › open the full page
2.01%annual yield
🏆 Aristocrat — 41 yrs of consecutive dividend increases
That's ~$2.38 per share per year.
📈 Aflac fundamentals: valuation, margins & growth › open the full page
P/E 12.5Net margin 26.9 %Revenue growth -1.0 %Cheap for the growth
Revenue, net income and margin per year
Revenue Net income · hover a bar for details
2022
marg. 22 %
2023
Rev −4%Profit +11%
2024
Rev −7%Profit +17%
2025
Rev +1%Profit −33%
🔎 Detailed analyses
✅ Historical analyst reliability on AFL
Hit rate measured on targets already matured (12 months), replayed against real prices. Click a header to sort.
| Firm ↕ | % right i ↕ | Gain vs sector i ↕ | Calls i ↕ |
|---|---|---|---|
| JP Morgan ↗ | 100% | +19.5% | 2 |
| Morgan Stanley ↗ | 95% | +18.6% | 20 |
| Piper Sandler ↗ | 80% | +15.5% | 15 |
| Sterne Agee | 75% | +9.2% | 4 |
| Raymond James ↗ | 71% | +10.1% | 17 |
| Citigroup ↗ | 67% | +12.2% | 6 |
| Credit Suisse | 50% | +2.5% | 2 |
| Barclays ↗ | 44% | +5.0% | 9 |
| B of A Securities ↗ | 43% | +5.2% | 7 |
| Evercore ISI Group ↗ | 29% | +2.5% | 7 |
See the other 1 firms
| Goldman Sachs ↗ | 0% | -29.7% | 2 |
📊 What $1,000 invested in Aflac would be worth › open the full page
In short — $1,000 invested in Aflac 10 years ago would be worth $3,940 today, i.e. +15%/yr on average. Best year: 2024 (+36%), worst: 2019 (-13%). Price performance, excluding dividends.
If I'd invested $1,000 in Aflac
| Investment | Worth today | Gain |
|---|---|---|
| 1 years ago | $1,071 | +7% |
| 3 years ago | $1,720 | +72% |
| 5 years ago | $2,448 | +145% |
Return by year (Aflac)
| Year | Return | $1,000 invested at year start |
|---|---|---|
| 2026 (YTD) | +4% | $1,038 (+4%) |
| 2025 | +3% | $1,071 (+7%) |
| 2024 | +36% | $1,452 (+45%) |
⚠️ Past performance, not predictive nor advice. Prices in $, excluding dividends. Yahoo Finance data.
📰 Recent news on Aflac
Loading news…
📋 All analyst calls on AFL
Filtered on — · ✕ show all
Wells Fargo ↗
Oct 12, 26
■ Equal-Weight neutral · not a buy · 🎯$116
Price at call : $116.44 — gap to target -0%
Today : $116.44 — gap to target -0%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Oct 12, 27
matures : Oct 12, 27
Keefe, Bruyette & Woods ↗
Oct 9, 26
■ Market Perform neutral · not a buy · 🎯$120
Price at call : $115.89 — gap to target +4%
Today : $116.44 — gap to target +3%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Oct 9, 27
matures : Oct 9, 27
▼ Underperform · 🎯$107
Price at call : $114.94 — upside -7%
Today : $116.44 — upside -8%
🎯 on AFL : no call matured yet · 📊 on Finance : 28.4% · -1.6% (74 calls)
in progress (365j)
matures : Oct 7, 27
matures : Oct 7, 27
▼ Underweight · 🎯$101
Price at call : $112.74 — upside -10%
Today : $116.44 — upside -13%
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Oct 7, 27
matures : Oct 7, 27
■ Neutral neutral · not a buy · 🎯$125
Price at call : $112.74 — gap to target +11%
Today : $116.44 — gap to target +7%
🎯 on AFL : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Oct 6, 27
matures : Oct 6, 27
Wolfe Research ↗
Aug 19, 26
▼ Underperform · 🎯$103
Price at call : $116.17 — upside -11%
Today : $116.44 — upside -12%
🎯 on AFL : no call matured yet · 📊 on Finance : 55.4% · +7.8% (65 calls)
in progress (365j)
matures : Aug 19, 27
matures : Aug 19, 27
Wells Fargo ↗
Aug 19, 26
■ Equal-Weight neutral · not a buy · 🎯$122
Price at call : $116.51 — gap to target +5%
Today : $116.44 — gap to target +5%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Aug 19, 27
matures : Aug 19, 27
■ Neutral neutral · not a buy · 🎯$116
Price at call : $120.73 — gap to target -4%
Today : $116.44 — gap to target -0%
🎯 on AFL : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Aug 11, 27
matures : Aug 11, 27
See the other 42 calls, newest to oldest
Keefe, Bruyette & Woods ↗
Aug 11, 26
■ Market Perform neutral · not a buy · 🎯$125
Price at call : $121.07 — gap to target +3%
Today : $116.44 — gap to target +7%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Aug 11, 27
matures : Aug 11, 27
Piper Sandler ↗
Aug 10, 26
▲ Overweight · 🎯$138
Price at call : $121.07 — upside +14%
Today : $116.44 — upside +19%
🎯 on AFL : no call matured yet · 📊 on Finance : 56.1% · +10.8% (421 calls)
in progress (365j)
matures : Aug 10, 27
matures : Aug 10, 27
▼ Underperform · 🎯$116
Price at call : $121.07 — upside -4%
Today : $116.44 — upside -0%
🎯 on AFL : no call matured yet · 📊 on Finance : 28.4% · -1.6% (74 calls)
in progress (365j)
matures : Aug 10, 27
matures : Aug 10, 27
▼ Underweight · 🎯$99
Price at call : $124.61 — upside -21%
Today : $116.44 — upside -15%
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Aug 7, 27
matures : Aug 7, 27
■ Hold neutral · not a buy · 🎯$110
Price at call : $124.34 — gap to target -12%
Today : $116.44 — gap to target -6%
🎯 on AFL : no call matured yet · 📊 on Finance : 39% · -6.5% (59 calls)
in progress (365j)
matures : Jul 22, 27
matures : Jul 22, 27
■ Neutral neutral · not a buy · 🎯$117
Price at call : $123.58 — gap to target -5%
Today : $116.44 — gap to target +0%
🎯 on AFL : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Jul 21, 27
matures : Jul 21, 27
Evercore ISI Group ↗
Jul 13, 26
▼ Underperform · 🎯$115
Price at call : $122.05 — upside -6%
Today : $116.44 — upside -1%
🎯 on AFL : 0% (2 calls matureds) · 📊 on Finance : 55.1% · +0.9% (245 calls)
in progress (365j)
matures : Jul 13, 27
matures : Jul 13, 27
Keefe, Bruyette & Woods ↗
Jul 13, 26
■ Market Perform neutral · not a buy · 🎯$120
Price at call : $123.3 — gap to target -3%
Today : $116.44 — gap to target +3%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Jul 13, 27
matures : Jul 13, 27
■ Hold neutral · not a buy · 🎯$108
Price at call : $123.3 — gap to target -12%
Today : $116.44 — gap to target -7%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.1% · +0.5% (320 calls)
in progress (365j)
matures : Jul 10, 27
matures : Jul 10, 27
Wells Fargo ↗
Jul 9, 26
■ Equal-Weight neutral · not a buy · 🎯$120
Price at call : $121.91 — gap to target -2%
Today : $116.44 — gap to target +3%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Jul 9, 27
matures : Jul 9, 27
■ Neutral neutral · not a buy · 🎯$124
Price at call : $121.99 — gap to target +2%
Today : $116.44 — gap to target +6%
🎯 on AFL : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Jul 8, 27
matures : Jul 8, 27
▼ Underweight · 🎯$98
Price at call : $121.49 — upside -19%
Today : $116.44 — upside -16%
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Jul 7, 27
matures : Jul 7, 27
Piper Sandler ↗
May 26, 26
▲ Overweight · 🎯$130
Price at call : $116.82 — upside +11%
Today : $116.44 — upside +12%
🎯 on AFL : no call matured yet · 📊 on Finance : 56.1% · +10.8% (421 calls)
in progress (365j)
matures : May 26, 27
matures : May 26, 27
Morgan Stanley ↗
May 21, 26
■ Equal-Weight neutral · not a buy · 🎯$125
Price at call : $117.86 — gap to target +6%
Today : $116.44 — gap to target +7%
🎯 on AFL : no call matured yet · 📊 on Finance : 53.9% · +2.1% (1123 calls)
in progress (365j)
matures : May 21, 27
matures : May 21, 27
Wells Fargo ↗
May 5, 26
■ Equal-Weight neutral · not a buy · 🎯$111
Price at call : $114.46 — gap to target -3%
Today : $116.44 — gap to target -5%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : May 5, 27
matures : May 5, 27
Piper Sandler ↗
May 1, 26
▲ Overweight · 🎯$125
Price at call : $113.33 — upside +10%
Today : $116.44 — upside +7%
🎯 on AFL : no call matured yet · 📊 on Finance : 56.1% · +10.8% (421 calls)
in progress (365j)
matures : May 1, 27
matures : May 1, 27
Evercore ISI Group ↗
Apr 30, 26
▼ Underperform · 🎯$109
Price at call : $112.88 — upside -3%
Today : $116.44 — upside -6%
🎯 on AFL : 0% (2 calls matureds) · 📊 on Finance : 55.1% · +0.9% (245 calls)
in progress (365j)
matures : Apr 30, 27
matures : Apr 30, 27
▼ Underweight · 🎯$99
Price at call : $112.88 — upside -12%
Today : $116.44 — upside -15%
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Apr 30, 27
matures : Apr 30, 27
▼ Underperform · 🎯$102
Price at call : $111.94 — upside -9%
Today : $116.44 — upside -12%
🎯 on AFL : no call matured yet · 📊 on Finance : 28.4% · -1.6% (74 calls)
in progress (365j)
matures : Apr 13, 27
matures : Apr 13, 27
Keefe, Bruyette & Woods ↗
Apr 10, 26
■ Market Perform neutral · not a buy · 🎯$115
Price at call : $112.14 — gap to target +3%
Today : $116.44 — gap to target -1%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Apr 10, 27
matures : Apr 10, 27
Wells Fargo ↗
Apr 10, 26
■ Equal-Weight neutral · not a buy · 🎯$116
Price at call : $112.14 — gap to target +3%
Today : $116.44 — gap to target -0%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Apr 10, 27
matures : Apr 10, 27
■ Neutral neutral · not a buy · 🎯$114
Price at call : $110.7 — gap to target +3%
Today : $116.44 — gap to target -2%
🎯 on AFL : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Apr 9, 27
matures : Apr 9, 27
Wells Fargo ↗
Feb 25, 26
■ Equal-Weight neutral · not a buy · 🎯$118
Price at call : $112.44 — gap to target +5%
Today : $116.44 — gap to target +1%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Feb 25, 27
matures : Feb 25, 27
▼ Underweight · 🎯$101
Price at call : $109.24 — upside -8%
Today : $116.44 — upside -13%
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Jan 8, 27
matures : Jan 8, 27
■ Neutral neutral · not a buy · 🎯$105
Price at call : $112.19 — gap to target -6%
Today : $116.44 — gap to target -10%
🎯 on AFL : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Jan 5, 27
matures : Jan 5, 27
Raymond James ↗
Dec 30, 25
▲ Outperform · 🎯$119
Price at call : $110.27 — upside +8%
Today : $116.44 — upside +2%
🎯 on AFL : no call matured yet · 📊 on Finance : 52.4% · +0.2% (475 calls)
in progress (365j)
matures : Dec 30, 26
matures : Dec 30, 26
■ Hold neutral · not a buy · 🎯$102
Price at call : $110.72 — gap to target -8%
Today : $116.44 — gap to target -12%
🎯 on AFL : no call matured yet · 📊 on Finance : 39% · -6.5% (59 calls)
in progress (365j)
matures : Dec 22, 26
matures : Dec 22, 26
▼ Underperform · 🎯$104
Price at call : $109.49 — upside -5%
Today : $116.44 — upside -11%
🎯 on AFL : no call matured yet · 📊 on Finance : 28.4% · -1.6% (74 calls)
in progress (365j)
matures : Dec 16, 26
matures : Dec 16, 26
Morgan Stanley ↗
Nov 17, 25
■ Equal-Weight neutral · not a buy · 🎯$118
Price at call : $111.76 — gap to target +6%
Today : $116.44 — gap to target +1%
🎯 on AFL : no call matured yet · 📊 on Finance : 53.9% · +2.1% (1123 calls)
in progress (365j)
matures : Nov 17, 26
matures : Nov 17, 26
Wells Fargo ↗
Nov 7, 25
■ Equal-Weight neutral · not a buy · 🎯$109
Price at call : $113.58 — gap to target -4%
Today : $116.44 — gap to target -6%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Nov 7, 26
matures : Nov 7, 26
Evercore ISI Group ↗
Nov 7, 25
▼ Underperform · 🎯$111
Price at call : $114.09 — upside -3%
Today : $116.44 — upside -5%
🎯 on AFL : 0% (2 calls matureds) · 📊 on Finance : 55.1% · +0.9% (245 calls)
in progress (365j)
matures : Nov 7, 26
matures : Nov 7, 26
■ Neutral neutral · not a buy · 🎯$101
Price at call : $113.7 — gap to target -11%
Today : $116.44 — gap to target -13%
🎯 on AFL : no call matured yet · 📊 on Finance : 51.5% · -0.7% (513 calls)
in progress (365j)
matures : Nov 5, 26
matures : Nov 5, 26
▼ Underweight · 🎯$104
Price at call : $113.7 — upside -9%
Today : $116.44 — upside -11%
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
in progress (365j)
matures : Nov 5, 26
matures : Nov 5, 26
Keefe, Bruyette & Woods ↗
Oct 9, 25
■ Market Perform neutral · not a buy · 🎯$110
Price at call : $110.95 — gap to target -1%
Today : $116.44 — gap to target -6%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Oct 9, 26
matures : Oct 9, 26
Evercore ISI Group ↗
Oct 9, 25
▼ Underperform · 🎯$110
Price at call : $110.95 — upside -1%
Today : $116.44 — upside -6%
Expected -1% · Actual +4% · Reason (≤ −15%) : ✗ No
🎯 on AFL : 0% (2 calls matureds) · 📊 on Finance : 55.1% · +0.9% (245 calls)
-4.5%
stock +4% · XLF +6%
matured Oct 9, 26
▼ Underweight · 🎯$102
Price at call : $111.17 — upside -8%
Today : $116.44 — upside -12%
Expected -8% · Actual +3% · Reason (≤ −15%) : ✗ No
🎯 on AFL : 0% (1 call matured) · 📊 on Finance : 49.7% · +0.4% (973 calls)
-3.0%
stock +3% · XLF +3%
matured Oct 8, 26
Morgan Stanley ↗
Aug 18, 25
■ Equal-Weight neutral · not a buy · 🎯$113
Price at call : $105.76 — gap to target +7%
Today : $116.44 — gap to target -3%
🎯 on AFL : no call matured yet · 📊 on Finance : 53.9% · +2.1% (1123 calls)
in progress (365j)
matures : Aug 18, 26
matures : Aug 18, 26
Evercore ISI Group ↗
Aug 15, 25
▼ Underperform · 🎯$106
Price at call : $105.38 — upside +1%
Today : $116.44 — upside -9%
Expected +1% · Actual +15% · Reason (≤ −15%) : ✗ No
🎯 on AFL : 0% (2 calls matureds) · 📊 on Finance : 55.1% · +0.9% (245 calls)
-14.8%
stock +15% · XLF +10%
matured Aug 15, 26
Wells Fargo ↗
Aug 12, 25
■ Equal-Weight neutral · not a buy · 🎯$107
Price at call : $103.55 — gap to target +3%
Today : $116.44 — gap to target -8%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.4% · +1.2% (715 calls)
in progress (365j)
matures : Aug 12, 26
matures : Aug 12, 26
Keefe, Bruyette & Woods ↗
Aug 11, 25
■ Market Perform neutral · not a buy · 🎯$108
Price at call : $104.17 — gap to target +4%
Today : $116.44 — gap to target -7%
🎯 on AFL : no call matured yet · 📊 on Finance : 49.5% · +1.2% (497 calls)
in progress (365j)
matures : Aug 11, 26
matures : Aug 11, 26
■ Neutral neutral · not a buy · 🎯$111
Price at call : $102.28 — gap to target +9%
Today : $116.44 — gap to target -5%
🎯 on AFL : no call matured yet · 📊 on Finance : 48.2% · +2.3% (498 calls)
in progress (365j)
matures : Aug 6, 26
matures : Aug 6, 26
Morgan Stanley ↗
Jul 14, 25
■ Equal-Weight neutral · not a buy · 🎯$108
Price at call : $102.67 — gap to target +5%
Today : $116.44 — gap to target -7%
🎯 on AFL : no call matured yet · 📊 on Finance : 53.9% · +2.1% (1123 calls)
in progress (365j)
matures : Jul 14, 26
matures : Jul 14, 26
Frequently asked questions
Should I buy Aflac stock?
This isn't buy advice. For Aflac, the analyst consensus is "Hold", with an average price target of $116 (-1% vs the current price). What matters is their past reliability on this stock: the most reliable one is right 100% of the time (2 calls tracked on Aflac). We show the numbers — you decide.
Is it too late to buy Aflac? How high can it go?
The most bullish analyst target on Aflac is $138 (+19% above today's price); the average is $116. That's the upside they see. Check how reliable those analysts have actually been on Aflac on our site before trusting it.
Is Aflac still a good buy?
The most useful "opinion" isn't an opinion — it's a track record: 11 analysts have a real record on Aflac, the best hitting 100% over 2 calls. Current consensus: "Hold". Make your call on data, not noise.
Should you invest in Aflac? The case for and against
The arguments for and against, one by one, from the numbers: why invest in AFL (and why hesitate).
What has Aflac's past performance been?
Historical returns and a "how much if I had invested" calculator: AFL performance & returns.
Does Aflac pay a dividend?
Yield, consistency and growth history of the dividend: AFL's dividend.
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