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Aflac AFL

equity

Price History

$0.444$42.79$85.13$127.48
1985-01 · DCA start$0.444

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-75.0%-50.0%-25.0%0.0%
1985-012026-08 · -5.3%

Worst drawdown: −75%, peaking May 2008 and bottoming Feb 2009 — 95 months below the prior high before recovering.

DCA Backtest

Invested
$50,000
Value today
$1,542,809
Return
+2985.6%
Months invested
500

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $90,910 today, so the real (inflation-adjusted) return is +1597.1%.

Lump sum instead — $50,000 all at once in Jan 1985: $13,603,381 (+27106.8%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2026): $194.71 on $200 invested (-2.6%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
1985
1986
1987
1988
1989
1990
1991
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1993
1994
1995
1996
1997
1998
1999
2000
2001
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2005
2006
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2008
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2015
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2019
2020
2021
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2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1985-01: +2985.6%

About Aflac

Aflac Incorporated is an American insurance company and is the largest provider of supplemental insurance in the United States. It was founded in 1955 and is based in Columbus, Georgia. In the U.S., it underwrites a wide range of insurance policies, but is perhaps more known for its payroll deduction insurance coverage, which pays cash benefits when a policyholder has a covered accident or illness. The company states it "provides financial protection to more than 50 million people worldwide". (Wikipedia)

It's a listed company categorised under financials and life & health insurance, with a market cap of about $60.5B.

It rates High Risk at 2.9/5, meaning several rated factors score badly, so this carries materially more risk than a typical holding.

What pushes the score up: earnings quality (4.0/5) and sector / regulatory (4.0/5).

Scoring well: liquidity at 1.0/5.

Not yet researched: leverage / financial, concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

High Risk(2.9/5)60% rated

How these ratings work

Market / Volatility3.0/5 · weight 20%
  • Annualised volatility (3yr)2/517.5
  • Max drawdown from ATH4/575.0
  • Beta vs S&P 5003/51.1
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5284.1m
  • Float % of shares outstandingnot yet researched
Leverage / Financialunrated · weight 20%
  • Debt / equitynot yet researched
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality4.0/5 · weight 15%
  • 3yr EPS volatility4/537.4
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.