Mulya.ai
Ticker
AFL
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?6.8%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.610
Beta (levered) ?0.674
Terminal OM% ?19.4%
Segment conc. ?53% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

AFL · Aflac Incorporated

$120.152026-07-21
Sector: Financial Services; Industry: Insurance - Life; Sub-Industry: Life & Health Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$255
+111.9% vs market
Base · active
$209
+74.2% vs market
Bear
$188
+56.3% vs market
Mulya.ai vs Analyst IV Comparison?
Median $117
Market $120
Bear $188
Base $209
Bull $255
Market Price $120
Mulya.ai Base $209
Analysts Median $117
Mulya.ai IV range ($188 · $255)
Analysts Range ($99 · $130)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$18.8B27.9%12.2%$4.6B−$1.5B$3.1B6.6%0.0%−$43.9B$9.05
2024.Q4$18.8B0.0%27.9%15.2%$4.5B−$644MM$3.8B7.4%0.0%−$38.0B$9.05
2025.Q1$19.1B1.5%33.5%18.2%$5.3B−$982MM$4.3B6.9%0.0%−$38.4B$10.57
2025.Q4$19.1B0.0%33.5%19.6%$5.2B−$1.2B$3.9B7.2%0.0%$31.7B$10.57
2026.Q1$18.2B-4.7%31.0%17.4%$4.7B−$1.1B$3.6B6.7%0.0%−$33.7B$9.0111.0
italics below = DCF projection · 10yr Rev CAGR: 2%
2027.Q1$16.8B+-7.7%26.3%17.7%$3.6B$0MM$3.6B7.0%$3.4B0.0%−$33.7B$7.0717.0
2028.Q1$17.0B+0.8%26.3%17.9%$3.7B−$59MM$3.6B7.2%$3.1B0.0%−$33.7B$7.1016.9
2029.Q1$17.2B+1.6%26.3%18.2%$3.7B−$116MM$3.6B7.3%$2.9B0.0%−$33.5B$7.2016.7
2030.Q1$17.7B+3.0%26.3%18.4%$3.8B−$221MM$3.6B7.5%$2.7B0.0%−$33.3B$7.3916.3
2031.Q1$18.4B+3.5%26.3%18.7%$3.9B−$272MM$3.6B7.6%$2.6B0.0%−$33.0B$7.6215.8
Term. Yr+$23.1B4.1%19.4%20.0%$3.6B−$1.7B$1.9B8.6%$19.8B8.6%
Active scenario IV: $209 (+74.2% vs market)