Aflac Incorporated AFL NYSE

Aflac Incorporated (AFL) has shown declining revenue growth over the past 3 years, expanding from $19.2B to $17.4B (average -3%/yr). Net income reached $3.6B, reflecting earnings decline at -3.6%/yr on average. The net profit margin is 20.9%, which is high. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 38.9% (moderate), with a -61.1pp trend over the period. With a $58B market cap and MOAT composite score of 55/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (15/100, Fail) — revenue or earnings are not growing
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 41-year history, the company was profitable in 41 of 41 years — a perfect long-term track record
• INCOME (85/100, Pass) — proves strong profitability and pricing power
• MOAT (55/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 61/100 with 3/7 criteria passed.