Is AFLAC INC (AFL) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Life | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 46.6% | |
| Operating Margin | 33.6% | |
| Net Margin | 21.2% | |
| Return on Equity (ROE) | 13.1% | |
| Return on Assets (ROA) | 2.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $2.6B |
| Free Cash Flow | $2.6B |
| Total Debt | $8.4B |
| Debt-to-Equity | 42.7 |
| Current Ratio | 1.1 |
| Total Assets | $116.5B |
Price & Trading
| Last Close | $108.21 |
| 50-Day MA | $111.03 |
| 200-Day MA | $108.29 |
| Avg Volume | 2.3M |
| Beta | 0.7 |
|
52-Week Range
$96.95
| |
About AFLAC INC (AFL)
Aflac Incorporated, through its subsidiaries, provides supplemental health and life insurance products. It operates in two segments, Aflac Japan and Aflac U.S. The Aflac Japan segment offers cancer, medical, nursing care, whole life, and GIFT insurance products, as well as WAYS and child endowment, and Tsumitasu insurance products in Japan. Its Aflac U.S. segment provides accident, disability, cancer, critical illness, hospital indemnity, dental, vision, and life insurance products in the United States. The company also provides hearing, final expense, pet, Medicare supplement, supplemental dental and vision, short-term disability, and absence management insurance products, as well as cafeteria plans. It sells its products to individuals, families, and business owners through individual, independent corporate, and affiliated corporate agencies; banks; independent associates/career agents; and brokers. Aflac Incorporated was founded in 1955 and is headquartered in Columbus, Georgia.
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Frequently Asked Questions
Is AFLAC INC (AFL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), AFLAC INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is AFLAC INC's debt ratio?
AFLAC INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are AFLAC INC's key financial metrics?
AFLAC INC has a market capitalization of $55.8B, trailing P/E ratio of 15.6, and revenue of $17.4B. The company maintains a gross margin of 46.6% and a net margin of 21.2%. Return on equity stands at 13.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.