QRFT0.140%
as of Jul 8
AFL
GrowthAFLAC INC
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.
Close · 3M
+12.62%
Held by 2 AI ETFs
AIEQ0.050%
as of Jul 20
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals4
Win rate100% (4/4)
Avg buy return+7.91%
QRFT · New entry · 1d
The AI likely chose AFLAC as a new entry due to its solid 13.05% Return on Equity and reasonable valuation multiples (PER 16.21, PBR 1.96), prioritizing profitability and financial quality despite recent negative revenue growth. For retail investors, this highlights the importance of delving into the drivers of declining revenue to ascertain if the strong ROE is sustainable before considering a similar investment, as AI might be betting on a turnaround or a temporary dip.
weight 0 → 0.130% (new)·stock up 2.6% in the 30 days before
May 4·entry $113.33·now $124.08Drifting
+9.49%
since May 4
AIEQ · Weight decrease · 3d
AFLAC INC is currently trading at $112.42, positioned at 95% of its 52-week high, despite a recent 30-day return of -1.8% following longer-term gains. This near-peak valuation, combined with the stock's minor recent pullback, likely contributed to a series of subtle negative signals detected by AIEQ's IBM Watson NLP engine, which monitors news, sentiment, and other real-time data for thousands of US equities. The observed consecutive weight decreases from 1.92% to 1.82% between May 20 and May 28 suggest a build-up of less favorable sentiment or changing fundamental interpretations, leading to a precipitous reduction to 0.29% by May 30. For this broad market, fundamentals-plus-sentiment hybrid fund, the rapid divestment implies that the AI’s risk overlay translated the increasingly negative output from its daily ranking into a decisive sell action, despite AFL's solid revenue growth of 7.25% and ROE of 16.08%.
weight 1.880% → 0.290% (-1.590 pp)·stock down 3.3% in the 30 days before
May 30·entry $112.11·now $124.08
+10.68%
since May 30
AIEQ · Weight decrease · 2d
AFLAC's weight within AIEQ shows a preceding stability followed by two consecutive daily decreases on May 27th and 28th, gradually reducing from 1.88% to 1.82%. This pattern of measured adjustments is characteristic of AIEQ's strategy, which rebalances daily and incorporates thousands of US equities, reflecting its high-turnover mandate. With AFL currently trading near 95% of its 52-week high, the IBM Watson NLP engine likely identified a shift in sentiment or fundamental signals, perhaps recognizing a reduced potential upside relative to its current valuation. The system's daily ranking, blending data from news and social posts with financial metrics like a 12.46 PER and 16.08% ROE, combined with EquBot's risk overlay, prompted these specific, incremental reallocations away from the financial company at this elevated price point.
weight 1.880% → 1.820% (-0.060 pp)·stock down 3.1% in the 30 days before
May 28·entry $112.63·now $124.08
+10.17%
since May 28
AIEQ · Weight decrease · 2d
AIEQ demonstrated a distinct pattern in its AFL allocation, first accumulating the stock to a 1.92% weight by May 20, then initiating a slight, stepped reduction over subsequent days, down to 1.88% on May 24. This measured decrease, occurring as AFL reached $117.86—99% of its 52-week high of $118.67—aligns with AIEQ's strategy of daily rebalancing driven by real-time data ingestion. IBM Watson NLP, processing thousands of US equities through news, social posts, and other text, likely detected a subtle shift in sentiment or a moderation of positive signals for AFL at this elevated price level, even as the company maintains a 16.08% ROE and 7.25% revenue growth. EquBot’s risk overlay, acting on these daily rankings, implemented a minor de-risking move, consistent with the fund's broad market, fundamentals-plus-sentiment hybrid style and its rapid adjustment capability.
weight 1.920% → 1.880% (-0.040 pp)·stock up 2.4% in the 30 days before
May 24·entry $116.82·now $124.08
+6.21%
since May 24
AIEQ · Weight increase · 2d
The detected pattern for AFL in AIEQ shows a series of gradual, stepped weight increases, moving from 1.82% to 1.92% over nine days, punctuated by periods of holding. This methodical accumulation, even with AFL trading at 99% of its 52-week high, aligns with AIEQ's daily rebalancing and IBM Watson NLP's continuous processing of vast textual data. The sentiment and fundamental hybrid strategy likely identifies sustained positive signals from news, filings, or social posts, reinforcing the financial stock's attractiveness. This continuous positive output from the AI engine, combined with AFL’s 7.25% revenue growth and 16.08% ROE, indicates a strong conviction from EquBot's risk overlay to further allocate to the stock despite its elevated price.
weight 1.880% → 1.920% (+0.040 pp)·stock up 1.1% in the 30 days before
May 20·entry $117.22·now $124.08Drifting
+5.85%
since May 20
AIEQ · New entry · 1d
The AI ETF likely re-entered AFLAC due to its strong Return on Equity and attractive Price-to-Book ratio, indicating solid profitability and value despite recent negative revenue growth, potentially anticipating a rebound or viewing it as a contrarian opportunity. Retail investors should investigate if the AI's re-entry aligns with a long-term value thesis or if the revenue decline signals deeper issues, always checking beyond headline financials for their own investment rationale.
weight 0 → 1.860% (new)·stock up 3.0% in the 30 days before
May 3·entry $113.33·now $124.08Drifting
+9.49%
since May 3
LQAI · Exit · 1d
AFLAC, currently priced at $115.61, sits at 97% of its 52-week high of $118.67, even as its 30-day return shows a slight decline of 0.6%. This positioning, paired with financials showing a PER of 12.73 and 7.25% revenue growth, likely prompted the LG-Qraft AI engine to reassess its standing within the US large-cap core universe. Operating a strategy without heavy factor tilts and rebalancing weekly, the AI’s ranking algorithm determined on June 9 that AFLAC no longer held a competitive advantage for inclusion. The Qraft AI, in its weekly evaluation of approximately 100 US large caps, appears to have concluded that AFLAC’s near-peak valuation, despite its 16.08% ROE, no longer warranted a position when weighed against other potential core holdings.
weight 0.130% → 0 (exited)·stock up 2.2% in the 30 days before
Jun 9·entry $115.61·now $124.08
+7.33%
since Jun 9
LQAI · New entry · 1d
The AI ETF likely initiated a position in AFLAC due to its strong financial health, evidenced by a robust 16.08% Return on Equity and solid 7.25% revenue growth, coupled with reasonable valuation metrics. This suggests the AI identified a quality company with growth potential at a fair price within the financial sector. For retail investors, this underscores the importance of fundamental analysis, focusing on profitability and growth indicators like ROE, to uncover sound investment opportunities, even in mature sectors.
weight 0 → 0.130% (new)·stock up 3.6% in the 30 days before
May 12·entry $116.16·now $124.08Drifting
+6.82%
since May 12
PQUS · Exit · 1d
PQUS, managed by Pictet Asset Management, employs an AI ranking system across the US large-cap universe to construct its portfolio of approximately 165 stocks. The observed full removal of AFLAC from the fund's holdings on May 29, following a gradual reduction, aligns with the ETF's periodic rebalance cadence. Despite AFLAC's 1-year return of +8.8%, the AI’s proprietary ranking, layered with sector-balance and concentration rules, likely flagged other opportunities or deemed AFLAC's current valuation, trading at 95% of its 52-week high, less compelling relative to peers within the Financials sector at this specific rebalancing event. This systematic decision reflects the fund's measured turnover approach as it optimizes for its defined criteria.
weight 0.160% → 0 (exited)·stock down 3.3% in the 30 days before
May 29·entry $112.42·now $124.08
+10.37%
since May 29
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of May 25
The framework's 'Fail' verdict, driven by insufficient data to confirm key stages like management, full financial health, and margin of safety, contrasts with the mixed signals from AI ETFs. LQAI initiated a new entry, and other AI ETFs like AIEQ, PQUS, and QRFT hold positions, with AIEQ showing recent minor fluctuations in weight rather than a clear exit.
- Circle of CompetenceAflac's core business of providing supplemental insurance products demonstrates stable unit economics that allow for reasonably predictable cash flow projections over a ten-year horizon.
- Economic MoatAflac benefits from a durable economic moat derived from strong brand recognition, scale advantages in underwriting and claims, and the regulatory barriers to entry inherent in the insurance industry.
- ManagementAssessment of management's candor, capital allocation discipline, and skin in the game cannot be made from the limited data provided.
- Financial HealthWhile the current ROE of 16.08% is strong, the provided data is insufficient to fully assess the 10-year average ROE, operating margin trends, debt manageability, and owner earnings, which are all crucial for a comprehensive financial health evaluation.
- Margin of SafetyA margin of safety cannot be determined as there is no basis provided for a conservative estimate of intrinsic value to compare against the current price multiples.
Aflac Inc. demonstrates a business model within the circle of competence, possessing a clear and durable economic moat. However, the lack of sufficient data to thoroughly evaluate management practices, comprehensive financial health metrics, and critically, a defensible margin of safety, leads to an overall 'Fail' verdict according to this rigorous framework. Further detailed analysis beyond the provided financials would be required for a passing assessment.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.