Profitability
Weight: 25%
A-
87
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 53.8%
- Loss Ratio Trend -1.63 pp/yr
AFL
Aflac Incorporated
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A
91
- 5yr Avg ROE 17.8%
- 5yr Share-Count CAGR -5.8%
Growth Quality
Weight: 10%
D
36
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -6.2%
- Loss Ratio Trend (growth quality check) -1.63 pp/yr
- Revenue-Growth Years (5) 1/5
Cash Generation
Weight: 15%
A+
97
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 4.1%
- Loss Ratio Stability (σ) 0.05
Balance Sheet
Weight: 25%
A-
85
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.46x
- Interest Coverage (EBIT/Int) 21.14x
Stability
Weight: 10%
D+
40
- EPS Volatility (σ/μ) 0.36
- Negative-Revenue Years (5) 4/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 3 added; 1 trimmed.
- Holders
- 4
- Avg Δ position
- +32.9%
- New buys
- 0
- Full exits
- 0