Should I buy Aflac (AFL) stock or is it too late?

Aflac · Financials · price $117

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: Jefferies — 72% of its targets hit on this sector (318 calls tested). It aims for $108 (-7.4 %), call made on July 11, 2026, maturing on July 11, 2027 (48 d ago).

The 10 reliable analysts $116-0.9 %

The 2 other firms $114-2.6 %

How to read it: the 10 reliable firms are not filtered by optimism — 4 aim above the price, 6 below, hence their $116 median. “The 2 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on Aflac

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
Morgan Stanley	95 %	+18.6 %	20	$125 +7%
Piper Sandler	80 %	+15.5 %	15	$138 +18%
Raymond James	71 %	+10.1 %	17	$119 +2%
Barclays	50 %	+6.0 %	8	$99 -15%
Evercore ISI Group	33 %	+3.6 %	6	$115 -1%
Citigroup	67 %	+12.2 %	6	—
B of A Securities	43 %	+5.2 %	7	—

In short — Should you invest in Aflac? Is it too late, still worth it? Analysts are split (8% buy, median target $116, i.e. -1%). We give you both sides, with the numbers — not advice.

✅ Reasons to believe

Pays a dividend (2.0% yield), raised for 41 years — regular income on top of potential upside.
Reasonable valuation (P/E ~13) relative to its sector.

⚠️ Reasons to hesitate

Even the most reliable firm on AFL, JP Morgan (100% hit rate, 2 scored calls), only targets $116 (call made on August 11, 2026, maturing on August 11, 2027) (+0%) in its most recent call, and $101 (call made on November 5, 2025, maturing on November 5, 2026) (-13%) in the one coming due soonest. The stock may already have run past its target.
The consensus is not unanimous: of 12 ratings, 7 are neutral and 4 are sells.
Limited upside: the median target is only -1% from the current price.
A 12-month target is not a guaranteed path: the price can fall in the meantime.

The analyst consensus on AFL

Median target $116 (-1%) · 12 ratings · Hold consensus

Strong Buy00%

Buy18%

Hold758%

Sell433%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in Aflac now?

We won't decide for you. The facts: 8% of analysts rate it a buy, median target $116 (-1%), and JP Morgan (most reliable on AFL, 100%) targets $116. Weigh that against valuation (P/E ~13). This is not personalized advice.

Is it too late to invest in Aflac?

The stated upside is small: the median target ($116) sits just -1% from the price ($117) (most reliable on AFL: JP Morgan, 100%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is Aflac still worth investing in?

It depends on the gap between the price ($117) and its estimated value: analysts target $116 on median (-1%), with 8% buys (most reliable on AFL: JP Morgan, 100%). Cross-check with their real reliability on AFL and the cautions above. Information, not advice.

What's the main risk in buying AFL?

Even the most reliable firm on AFL, JP Morgan (100% hit rate, 2 scored calls), only targets $116 (call made on August 11, 2026, maturing on August 11, 2027) (+0%) in its most recent call, and $101 (call made on November 5, 2025, maturing on November 5, 2026) (-13%) in the one coming due soonest. The stock may already have run past its target.

→ Go deeper: the full Aflac profile (consensus, analyst reliability, price target, performance).