AFLAC Incorporated — Earnings Quality Grade F
AFL · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 18 days, change +3 days YoY
AR growth 7.2% vs revenue growth -9.3%
Revenue -9.3%, CFFO -5.6%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
FCF $2.6B, FCF/NI = 0.70
Accruals ratio = 0.9%. Low accruals
Cash $70.4B covers debt $8.4B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor AFL continuously
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Altman Z-Score — Not Applicable
AFLAC Incorporated is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25