| Company Name: | AFLAC, Incorporated | | Ticker Symbol: | AFL | | | WWW Address: | www.aflac.com | | CEO: | Daniel P. Amos | | No. of Employees: | 7,949 | | Common Issue Type: | CS | | Business Description: | A general business holding company, which together with its subsidiaries mainly sell supplemental health and life insurance in the United States and Japan.
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| | | Industry Information: | INSURANCE - Accident & Health Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 44.1 |  0.26 | 43.58 | 44.7 | 44.61 | 45.10 | 43.97 | 4664631 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 20,634.4 | 467.9 | 1.79 | 2.62 | 0.96 | 14.3 | 2.5 | 47.88 - 10.83 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 44.10 | $ | | PE Ratio - LTM | 14.3 | |
| Market Capitalisation | 20,634.4 | mil |
| Latest Shares Outstanding | 467.9 | mil |
| Earnings pS (EPS) | 2.62 | $ |
| Dividend pS (DPS) | 0.96 | ¢ |
| Dividend Yield | 2.5 | % |
| Dividend Payout Ratio | 37 | % |
| Revenue per Employee | 2,082,526 | $ |
| Effective Tax Rate | 34.5 | % |
| Float | 453.2 | mil |
| Float as % of Shares Outstanding | 96.9 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 10.7 | % |
| Pre-Tax Profit Margin | 10.5 | % |
| Assets Turnover | 0.2 | % |
| Return on Assets (ROA) | 1.6 | % |
| Return on Equity (ROE) | 18.6 | % |
| Return on Capital Invested (ROCI) | 17.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 12.0 | |
| Interest Cover | 49.4 | |
| Total Debt/Equity (Gearing Ratio) | 0.09 | |
| LT Debt/Total Capital | 9.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 13.57 | $ |
| Tangible Book-Value pS | 13.57 | $ |
| Cash Flow pS | 2.52 | $ |
| Free Cash Flow pS | 10.38 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 3.25 | |
| Price/Tangible Book Ratio | 3.25 | |
| Price/Cash Flow | 17.5 | |
| Price/Free Cash Flow | 4.2 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 105.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/28/2009 |
| Dividend Ex-Date | 11/15/2009 |
| Dividend Record Date | 11/17/2009 |
| Dividend Pay Date | 11/30/2009 |
| Dividend Amount | 280 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.12 |
| Current Dividend Yield | 2.5 |
| 5-Y Average Dividend Yield | 1.3 |
| Payout Ratio | 37.0 |
| 5-Y Average Payout Ratio | 22.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -1.2 | 99 | 33,987 | 168,417 |
| 4 Weeks | 45.72 | 40.07 | 44.41 | -0.7 | 98 | 41,126 | 822,515 |
| 13 Weeks | 46.62 | 37.74 | 41.87 | 5.3 | 99 | 39,171 | 2,506,938 |
| 26 Weeks | 46.62 | 28.17 | 34.48 | 27.9 | 104 | 43,877 | 5,572,317 |
| 52 Weeks | 47.88 | 10.83 | 33.71 | 30.8 | 96 | 72,625 | 18,228,935 |
| YTD | 46.96 | 10.83 | - | -3.8 | 80 | 75,947 | 17,088,042 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 44.70 | 44.51 | 43.32 | 37.81 | 33.05 | 1.79 | 1.98 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 5.68 | 97.5 | 6.32 |
| Income | 3.97 | 28.6 | -1.15 |
| Dividend | 23.99 | 96.4 | 24.82 |
| Capital Spending | 21.97 | NA | 49.94 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 4.05 | NA | -5.80 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 11.1 | 22.6 | 7.5 |
| Earnings % | 17.8 | 263.0 | -23.3 |
| EPS % | 21.5 | 266.7 | -20.8 |
| EPS $ | 0.47 | 0.56 | -0.69 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 27.12 |
| Free Cash Flow Margin 5YEAR AVG | 28.91 |
| Cash-Flow pS | 10.49 |
| Free Cash-Flow pS | 9.59 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 11.95 |
| Debt Ratio | 91.63 |
| Total Debt/Equity (Gearing Ratio) | 0.52 |
| LT Debt/Equity | 0.52 |
| LT Debt/Capital Invested | 34.22 |
| LT Debt/Total Liabilities | 4.75 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.76 |
| Tobin's Q Ratio | 0.28 |
| Current P/E Ratio - LTM | 14.30 |
| Enterprise Value (EV)/EBITDA | 0.10 |
| Enterprise Value (EV)/Free Cash Flow | 4.83 |
| Dividend Yield | 2.5 |
| Price/Tangible Book Ratio - LTM | 3.25 |
| Price/Book Ratio - LTM | 3.25 |
| Price/Cash Flow Ratio | 17.5 |
| Price/Free Cash Flow Ratio - LTM | 4.2 |
| P/E Ratio (1 month ago) - LTM | 14.8 |
| P/E Ratio (26 weeks ago) - LTM | 12.1 |
| P/E Ratio (52 weeks ago) - LTM | 11.4 |
| 5-Y High P/E Ratio | 26.3 |
| 5-Y Low P/E Ratio | 11.3 |
| 5-Y Average P/E Ratio | 16.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 85 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 105.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 17.4 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 13.57 |
| Book Value pS - LTM | 13.57 |
| Capital Invested pS | 21.57 |
| Cash Flow pS - LTM | 2.52 |
| Free Cash Flow pS - LTM | 10.38 |
| Earnings pS (EPS) | 2.62 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 18.89 |
| Return on Equity (ROE) - 5YEAR AVRG. | 18.2 |
| Return on Capital Invested (ROCI) | 12.42 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 14.8 |
| Return on Assets (ROA) | 1.58 |
| Return on Assets (ROA) - 5YEAR AVRG. | 2.2 |
| EBIT Margin - LTM | 10.7 |
| EBITDA Margin - LTM | 10.7 |
| Pre-Tax Profit Margin | 11.56 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 14.48 |
| Net Profit Margin | 7.58 |
| Net Profit Margin - 5YEAR AVRG. | 9.69 |
| Effective Tax Rate | 34.48 |
| Effective Tax Rate - 5YEAR AVRG. | 33.02 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 2,253,994 |
| Net Income per Employee - LTM | 181,532 |
| Assets/Revenue - LTM | 500.00 |
| Assets/Revenue - 5YEAR AVRG. | 431.00 |
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