InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$119.97

2026-10-16

Market Cap

$60.2B

Volume

1.9M

52-Wk High

$130.22

52-Wk Low

$105.43

Trailing PE

12.9

P/S

3.33

Gross Margin

53.9%

Net Margin

26.9%

ROE

16%

ROIC

5%

Piotroski

8/9

Altman Z

2.4

1-Yr Return

+14.8%

5-Yr Return

+172.5%

Aflac Incorporated, operating through its various subsidiary companies, focuses on delivering supplementary health and life insurance policies. The firm's business activities are structured into two primary divisions: Aflac Japan and Aflac U.S. In Japan, the company offers a diverse range of insurance products, including coverage for cancer, medical expenses, income support for nursing care, and the distinct GIFT plan. This segment also provides traditional whole and term life insurance, along with savings-oriented plans like WAYS and child endowment products. Meanwhile, the Aflac U.S. division caters to the American market, furnishing policies that address cancer, accidents, short-term disability, critical illness, and hospital stays. Additionally, it provides dental, vision, long-term care, disability, and both term and whole life insurance options. Aflac distributes its comprehensive suite of products through multiple channels, which include dedicated sales associates, independent brokers, various corporate and individual agencies, and affiliated agencies. Established in 1955, the company maintains its corporate headquarters in Columbus, Georgia.

SectorFinancial ServicesIndustryInsurance - LifeExchangeNYSEMarket Cap$60.2BEmployees12,716 (SEC-filed)CEODaniel Paul AmosIPO1980-03-17CountryUS

1932 Wynnton Road, Columbus, GA 31999-7251 · Tel 706 323 3431 · aflac.com

INSIDERSTREET SCORE59 / 100Street mean $125.25 (4 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$244M sold / 6 mo, zero open-market buys

1 Year vs S&P 500 · AFL +14.8% · S&P 500 +15.9% · spread -1.1pp

7 Years vs S&P 500 · AFL +172.5% · S&P 500 +189.9% · spread -17.3pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

INSIDERSTREET
SCORE59of 100

Score Breakdown

Profitability	65/100
Growth	66/100
Momentum	69/100
Quality	66/100
Earnings Quality	68/100
Balance Sheet	80/100
Value	81/100
Risk (safety)	100/100
Overall	59.0/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
MET	42
PRU	57
PUK	53
UNM	32
GL	46
JXN	64
AFL	59

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 62 in 26 Q1, latest 59 — -3 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY59 / 100IS Score 59.0 / 100 · -2.6 from peak of 62

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 84 / 100 · Power +68 · 20 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 59 and price structure at 84 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 59.0	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 42 → 32 → 62 → 59	the direction matters more than the level
Technical vote share back above 50%	now 100%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,705 → now 1,705	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score2 of 4top 13% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)0 buysnone disclosed

Insider Buys (180d)0none disclosed

ETF Funds (30d)1034 up / 979 downnet +55 funds

Institutions Added (13F)36managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,705 · latest 1,705 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	1,705	347.2M	$40.4B	68.9%
2026 Q1	1,669	342.5M	$37.3B	67.9%
2025 Q4	1,688	350.4M	$38.3B	69.5%
2025 Q3	1,625	349.2M	$38.6B	69.3%
2025 Q2	1,618	365.0M	$38.2B	72.4%
2025 Q1	1,634	369.9M	$40.8B	73.4%
2024 Q4	1,583	373.1M	$38.3B	74.0%
2024 Q3	1,555	374.2M	$41.4B	74.2%
2024 Q2	1,453	387.1M	$34.3B	76.8%
2024 Q1	1,429	386.9M	$33.0B	76.8%
2023 Q4	1,426	389.4M	$32.0B	77.2%
2023 Q3	1,314	398.3M	$30.5B	79.0%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-14	SELL	6,305	$0.73M	50,296,635
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-14	SELL	19,046	$2.24M	50,277,589
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-14	SELL	29,649	$3.50M	50,247,940
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-13	SELL	41,660	$4.85M	50,303,280
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-13	SELL	340	$0.04M	50,302,940
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-12	SELL	11,468	$1.33M	50,345,672
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-12	SELL	732	$0.09M	50,344,940
Japan Post Holdings Co., Ltd.	10 percent owner	2026-10-09	SELL	11,960	$1.37M	50,357,180

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	221	2,131,743	$244.5M	Counted
M — Exercises (paired A/D)	3	29,012	$1.2M	None — mechanics
F — Tax withholding	3	1,455	$0.2M	None — compensation
G — Gifts	1	550	—	None
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$244.5M221 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-09-16	Koide Masatoshi	13,201	$1.6M
2026-08-11	James Todd Daniels	15,000	$1.8M
2026-08-10	Moskowitz Joseph L	600	$0.1M
2026-06-22	Moskowitz Joseph L	12,370	$1.4M
Trailing 12 mo	23 filings	151,959	$17M

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Filed	Form	Reporting person	% of class	Shares
2026-05-13	SCHEDULE 13G/A	Tetsuya Numaguchi	10.14%	51.6M sh
2026-03-26	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change
2026-03-05	SCHEDULE 13G/A	Kenji Sano	10.12%	52.3M sh
2026-01-07	SCHEDULE 13G/A	The Vanguard Group	10.90%	57.1M sh

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	SELL	$1,001 - $15,000	2026-08-10	2026-09-07
Ro Khanna	House	SELL	$1,001 - $15,000	2026-01-29	2026-02-10
Ro Khanna	House	BUY	$1,001 - $15,000	2025-07-25	2025-08-08
Shelley Moore Capito	Senate	SELL	$1,001 - $15,000	2025-07-18	2025-08-04
Shelley Moore Capito	Senate	SELL	$1,001 - $15,000	2025-07-18	2025-08-04
Shelley Moore Capito	Senate	SELL	$1,001 - $15,000	2025-07-18	2025-08-04

House 12-Mo2 trades0 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)1,669

13F Shares343M67.9% of shares out

New / Closed126 / 115positions, QoQ

Increased / Reduced526 / 660positions, QoQ

Put/Call (13F)1.03option positions

Free Float99.1%497M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Gateway Investment Advisers Llc	319,426	$36M
Franklin Street Advisors Inc /Nc	202,988	$23M
Schaper Benz & Wise Investment Cou	192,520	$22M
Fjarde Ap-Fonden /Fourth Swedish N	192,426	$22M
Dorato Capital Management	186,938	$21M
Wealth Enhancement Advisory Servic	145,865	$17M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$1.6B
VSMPX	0.1%	$1.6B
VTI	0.1%	$1.6B
VTSAX	0.1%	$1.6B
VOO	0.1%	$1.3B
VFFSX	0.1%	$1.3B

13F Filers Holding AFL — quarterly

Institutional Put/Call — quarterly

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session46.3%2026-10-15

20-Day Avg39.8%50-day 41.7%

TrendFalling20d vs 50d

By Market CenterQ: 46% · N: 41% · B: 28%latest session

Weekly Notional ($B)

Where AFL Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	2.0M	34 sh
Ubsa Ubs Ats	1.5M	32 sh
Ebxl Level Ats	1.4M	16 sh
Mstx Ms Trajectory Cross (Ats-1)	1.3M	32 sh
Sgmt Sigma X2	0.9M	32 sh
Mspl Ms Pool (Ats-4)	0.6M	151 sh

Where a dollar of Aflac Incorporated revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
Aflac Japan Member	$9.4B	58%
Aflac US Member	$6.9B	42%

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AFL (live moat model)Peer median: MET · PRU · PUK · UNM · GL

Component scores from the live moat model. Peer median illustrative.

Moat score 52/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Daniel Paul Amos	Chairman & Chief Executive Officer
Max Kristian Broden	Senior EVP & CFO
Bradley E. Dyslin	Executive VP & Global Chief Investment Officer
Virgil Raynard Miller	President

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)2 of 6recent quarters

Avg Surprise+5.8%

Next Report2026-11-04

Income Quality0.54OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	-3.2%	-11.1%	-1.6%	+1.5%	-8.8%
Gross profit	-3.2%	-11.1%	-1.6%	-63.8%	-0.4%
Operating income	+25.2%	-6.5%	+8.1%	+21.9%	-27.7%
Net income	-11.4%	+4.4%	+5.5%	+16.8%	-33.0%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	21.5	19.2	18.8	19.1	17.4
Cost of revenue	0.0	0.0	0.0	12.3	10.7
Gross profit	21.5	19.2	18.8	6.8	6.8
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	0.0	0.0	0.0	0.0	2.7
Operating income	5.2	4.9	5.3	6.4	4.6
EBITDA	5.2	4.9	5.3	6.4	5.5
D&A	0.0	0.0	0.0	0.0	0.9
Pretax income	5.2	4.9	5.3	6.4	4.5
Income tax	1.0	0.5	0.6	1.0	0.9
Net income	4.2	4.4	4.7	5.4	3.6
Diluted EPS ($)	6.39	6.93	7.78	9.63	6.83
Diluted shares (M)	677	638	599	565	532

Operating CF$3B

CapEx$0B

Free cash flow$3B

SBC$0B

Buybacks$4B

Net cash change$0B

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	3.9	4.3	6.2	6.2
ST investments	75.7	73.3	65.3	0.0
Receivables (net)	0.6	0.8	0.8	0.8
Total current assets	0.0	0.0	0.0	7.8
PP&E (net)	0.5	0.4	0.4	0.4
Goodwill + intangibles	0.0	0.0	9.0	9.0
Total assets	131.7	126.7	117.6	116.5
Accounts payable	0.0	0.0	0.0	0.0
Short-term debt	0.0	0.0	0.0	0.0
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	0.0	0.0	0.0	0.0
Long-term debt	7.3	7.2	7.4	8.4
Total liabilities	111.6	104.7	91.5	87.0
Shareholders' equity	20.1	22.0	26.1	29.5

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	4.4	4.7	5.4	3.6
D&A	0.0	0.0	0.0	0.0
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	0.2	(1.7)	(0.6)	(1.4)
Operating cash flow	3.9	3.2	2.7	2.6
Capital expenditures	0.0	0.0	0.0	0.0
Investing cash flow	(1.5)	0.8	2.8	1.6
Buybacks	(2.4)	(2.8)	(2.8)	(3.5)
Dividends paid	(1.0)	(1.0)	(1.1)	(1.2)
Debt issuance / (repay)	(0.1)	0.2	0.6	1.0
Financing cash flow	(3.6)	(3.7)	(3.5)	(4.1)
Free cash flow	3.9	3.2	2.7	2.6

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	12.9%	16.5%	22.1%	22.6%	13.1%	16%
ROA	2.7%	3.0%	3.6%	4.5%	3.1%	4.2%
ROIC	-6.9%	-8.5%	-9.7%	-14.4%	11.6%	4.6%
Gross margin	100.0%	100.0%	100.0%	35.6%	38.9%	53.9%
Operating margin	24.2%	25.4%	27.9%	33.5%	26.6%	32.2%
Net margin	19.6%	23.1%	24.7%	28.5%	20.9%	26.9%
EBITDA margin	24.2%	25.4%	27.9%	33.5%	31.7%	39.3%
FCF margin	23.0%	20.2%	18.2%	14.2%	14.7%	—
VALUATION
P/E	8.16	9.52	9.92	10.51	16.09	12.9
P/B	1.06	2.08	2.10	2.19	1.99	2.0
P/S	1.61	2.18	2.45	2.99	3.38	3.33
P/FCF	6.99	10.82	13.43	21.13	22.96	22.7
EV/EBITDA	-11.37	-6.24	-4.56	-1.06	11.01	8.8
EV/Revenue	-2.76	-1.58	-1.27	-0.36	3.50	3.5
Earnings yield	12.3%	10.5%	10.1%	9.5%	6.2%	8.04%
FCF yield	14.3%	9.2%	7.4%	4.7%	4.4%	4.40%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	—	—	—	—	—	11.31
Quick ratio	—	—	—	—	—	11.31
Debt / equity	0.24	0.37	0.33	0.29	0.29	0.29
Debt / assets	5.1%	5.6%	5.8%	6.4%	7.2%	7.5%
Net debt / EBITDA	-18.00	-14.88	-13.35	-9.98	0.39	0.37
Interest coverage	22.36	21.58	26.98	32.57	21.00	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.14	0.13	0.15	0.16	0.15	0.16
Receivables turnover	29.91	29.13	25.27	23.51	21.51	11.1
DSO (days)	12	13	14	16	17	33
DPO (days)	—	—	—	0	0	—
Cash conversion cycle	—	—	—	16	17	33
GROWTH (YoY)
Revenue growth	-0.7%	-12.5%	-1.7%	1.2%	-9.2%	—
Net income growth	-9.5%	1.9%	5.7%	16.8%	-33.0%	—
EPS growth	-5.5%	8.4%	12.6%	20.9%	-28.9%	—
FCF growth	-15.2%	-23.2%	-11.3%	-21.3%	-5.6%	—
PER SHARE ($)
EPS (diluted, TTM)	6.53	7.07	7.97	9.63	6.85	9.64
Book value / share	50.19	32.33	37.59	46.19	55.43	60.13
Revenue / share	33.14	30.84	32.30	33.85	32.63	35.88
FCF / share	7.62	6.23	5.88	4.79	4.80	5.25
Cash / share	156.60	127.90	132.67	126.54	11.74	185.77
SHAREHOLDER RETURN & SCORES
Buyback yield	6.5%	5.7%	6.1%	4.9%	6.0%	6.39%
Altman Z-Score	0.79	0.96	1.08	1.34	1.42	2.4
Piotroski F-Score	5	4	5	5	4	8/9
Beneish M-Score	-1.81	-2.49	-2.15	-1.72	-2.50	-2.04

Model	Score	Zone	Note
Piotroski F-Score	8 / 9	Strong
Altman Z-Score	2.4	Grey zone	Grey
Income quality	0.54	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-2.04	Elevated	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.84
Interest burden	0.96
Operating margin	33.2%
Asset turnover	0.15×
Financial leverage	4.19×
= ROE	17%

Growth Quality (live)	Value
Revenue stability	0.72
Earnings stability	0.20
Earnings persistence	0.50
Revenue CAGR 3y	-1.2%
EPS CAGR 3y	6.6%
FCF CAGR 3y	-8.4%

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield6.39%

Dividend Yield2.01%

Total Shareholder Return8.39%cash yield

SBC / Revenue-0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
MET	$64.0B	19.2	13%	3.9%	+9.0%	6/9	+30.4%
PRU	$40.0B	10.4	12%	5.8%	+8.9%	8/9	+17.6%
PUK	$29.6B	8.5	39%	6.4%	+175.6%	7/9	-10.0%
UNM	$14.6B	21.5	6%	7.8%	+3.3%	7/9	+25.9%
GL	$13.0B	11.1	21%	18.0%	+5.3%	7/9	—
JXN	$8.8B	163.2	1%	—	+18.6%	7/9	—
PRI	$8.7B	11.3	33%	23.4%	+7.6%	8/9	—
VOYA	$8.5B	15.7	13%	5.0%	-25.5%	6/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

32 Analysts

Str Sell (0)Sell (5)Hold (18)Buy (9)Str Buy (0)

Mean Target (qtr)$125.254 targets

Target vs. Price+4.4%last-quarter mean

Next Report2026-11-04street $1.79

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$16.78B	$16.91B / $16.51B	$7.02	$7.24 / $6.88	10
FY2027	$16.89B	$17.20B / $16.34B	$7.61	$8.48 / $7.29	9
FY2028	$17.19B	$17.55B / $16.60B	$8.03	$8.22 / $7.71	5

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$125.00	+4.2%	1
Last Quarter	$125.25	+4.4%	4
Last Year	$114.79	-4.3%	19
All Time	$104.12	-13.2%	43

Rolling mean of published targets vs. last close $119.97. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

A-

DCF

3/5

ROE

5/5

ROA

5/5

Debt/Eq

3/5

P/E

3/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

AFL +14.8% vs S&P 500 +15.9% — spread -1.1pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$114.56	+5.41	+4.72%	Above
SMA 50	$116.45	+3.52	+3.02%	Above
SMA 200	$114.48	+5.49	+4.80%	Above
EMA 9	$116.66	+3.31	+2.84%	Above
EMA 21	$115.67	+4.30	+3.72%	Above
EMA 50	$116.42	+3.55	+3.05%	Above
EMA 200	$114.52	+5.45	+4.76%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +6820 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%82

Volume 20%81

Volatility 10%100

Patterns 15%50

This Week100% bullishof 11 price-based votes

4 Weeks Ago36%+64 pts since

12 Weeks Ago100%+0 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$114.56

Price vs SMA 50$116.45

Price vs SMA 200$114.48

EMA 9/21 Cross116.7/115.7

SMA 50/200Golden

ADX DirectionADX 26

Supertrend$113

Parabolic SAR$113

SMA Slope0.180

RSI66.7

Stochastic K/D89/90

StochRSI K/D99/99

Williams %R-7

CCI178

TSI vs Signal6.3

CMO33.5

ROC7.56%

OBV SignalAccum

Chaikin MF0.070

MFI67

Force Index1M

Elder Ray Bull4.30

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 90

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$118.85 / $119.87 / $121.68	S1 / S2	$117.04 / $116.02
Bollinger (20,2)	$110.07 – $119.06	Squeeze	Off
52-wk range	$103.27 – $129.57	Off 52-wk high	-7.4%
ATR (14)	$1.98 (1.7%)	Historical vol	15.6%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-1.5%Jan65%

-0.4%Feb60%

+0.8%Mar52%

+4.8%Apr60%

+0.1%May60%

-0.5%Jun55%

+1.7%Jul65%

+1.1%Aug70%

+1.4%Sep65%

+2.0%Oct65%

+4.6%Nov85%

+0.9%Dec60%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	AFL	S&P 500
Weekly volatility (σ, 1y)	2.41%	1.83%
Best / worst week (1y)	+6.4% / -4.9%	—
Max drawdown (5y, monthly)	-50.4%	—
1-week VaR (95%)	-3.7%	—
Beta (5y)	0.58	1.00

AFL EQUITY WEATHER (LIVE)PARTLY CLOUDY · +21

Trend+38

Momentum+59

Volume+32

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 139 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall+21.3+40.9 vs industry

Trend+38.0+64.9 vs industry

Momentum+59.5+74.1 vs industry

Volume+31.6+60.8 vs industry

Reading	AFL	Insurance - Life n=167	Financial Services n=24,134	All US symbols n=70,435
Overall	+21.3	-19.5	-16.3	-20.5
Trend	+38.0	-26.8	-12.5	-21.3
Momentum	+59.5	-14.7	-4.4	-15.8
Volume	+31.6	-29.2	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Daniel P. Amos Chairman and CEO	$25.0M	71% equity+incentive
Max K. Brodén Senior Executive Vice Presiden	$7.6M	77% equity+incentive
Virgil R. Miller President, Aflac Incorporat	$6.9M	80% equity+incentive
Bradley E. Dyslin Executive Vice President,	$6.8M	81% equity+incentive
Audrey Boone Tillman Senior Executive Vice P	$6.0M	76% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	59
Social	67
Governance	60
Composite ESG	62

Composite ESG Trend

Filed	8-K contents	Items
2026-08-06	Earnings Release; Regulation FD; Exhibits	2.02,7.01,9.01
2026-06-30	Other Events	8.01
2026-05-28	Other Events; Exhibits	8.01,9.01
2026-05-14	Other Events; Exhibits	8.01,9.01
2026-05-07	Shareholder Vote	5.07
2026-04-29	Earnings Release; Regulation FD; Exhibits	2.02,7.01,9.01
2026-02-04	Results of Operations and Financial Condition; Regulation FD Disclosur	2.02,7.01,9.01
2025-11-04	Results of Operations and Financial Condition; Regulation FD Disclosur	2.02,7.01,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-27 to 2026-08-06
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	114 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-10-08 to 2026-10-14
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2026-01-07 to 2026-05-13
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Aflac Incorporated (AFL)

Institutions holding — 12 quarters

Aflac Incorporated (AFL)

Monthly Net Insider Flow (000 shares)

Signal Summary

Aflac Incorporated (AFL)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding AFL — quarterly

Institutional Put/Call — quarterly

Aflac Incorporated (AFL)

Where AFL Trades in the Dark

Aflac Incorporated (AFL)

3.8 · Employees (SEC filings)

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Balance Sheet — Full

Cash Flow Statement — Full

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Street Price Target — Trajectory

Third-Party Composite Rating

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Family Scores (site weights)

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)

Aflac Incorporated (AFL)