Mulya.ai
Ticker
AFL
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?7.0%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.652
Beta (levered) ?0.729
Terminal OM% ?19.4%
Segment conc. ?53% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 2 · 13.1%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

AFL · Aflac Incorporated

$110.482026-05-17
Sector: Financial Services; Industry: Insurance - Life; Sub-Industry: Life & Health Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$128
+15.6% vs market
Base · active
$84
-23.5% vs market
Bear
$54
-51.0% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $54
Base $84
Market $110
Median $115
Bull $128
Market Price $110
Mulya.ai Base $84
Analysts Median $115
Mulya.ai IV range ($54 · $128)
Analysts Range ($101 · $125)
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
2021.Q4$21.5B24.2%18.7%$4.2B$1.2B$5.4B5.4%0.0%−$62.7B$7.95
2022.Q4$19.2B-11.1%25.4%9.2%$4.4B$142MM$4.6B6.9%0.0%−$52.2B$8.30
2023.Q4$18.8B-1.6%27.9%11.5%$4.7B−$1.7B$3.0B6.7%0.0%−$48.4B$8.76
2024.Q4$19.1B1.5%33.5%15.2%$5.4B−$644MM$4.8B7.4%0.0%−$38.0B$10.23
2025.Q4$17.4B-9.2%26.3%19.6%$3.7B−$1.2B$2.5B7.2%0.0%$31.7B$6.8512.9
italics below = DCF projection · 10yr Rev CAGR: 2.9%
2026.Q4$17.0B+-1.9%26.3%19.6%$3.6B$0MM$3.6B7.2%$3.4B11.4%$31.7B$6.7616.3
2027.Q4$17.3B+1.5%26.3%19.6%$3.7B−$1.9B$1.8B7.3%$1.6B11.2%$33.5B$6.8616.1
2028.Q4$17.6B+1.9%26.3%19.7%$3.7B−$923MM$2.8B7.5%$2.3B10.9%$34.4B$6.9915.8
2029.Q4$18.6B+5.3%26.3%19.7%$3.9B−$1.7B$2.2B7.6%$1.7B11.1%$36.1B$7.3615.0
2030.Q4$19.4B+4.8%26.3%19.8%$4.1B−$1.2B$2.9B7.7%$2.0B11.2%$37.3B$7.7114.3
Term. Yr+$24.0B4.1%19.4%20.0%$3.7B−$1.2B$2.6B8.6%$26.8B13.1%
Active scenario IV: $84 (-23.5% vs market)