AIEQ4.370%
as of Sep 4
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
+2.21%
Held by 1 AI ETF
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 signals5
Win rate40% (2/5)
Avg buy return+0.67%
AIEQ · Weight increase · 3d
weight 0.050% → 4.370% (+4.320 pp)·stock down 7.5% in the 30 days before
Sep 4·entry $117.21·now $117.21Fresh
0.00%
since Sep 4
AIEQ · Weight increase · 2d
weight 0.050% → 4.350% (+4.300 pp)·stock down 5.7% in the 30 days before
Sep 3·entry $118.36·now $117.21Fresh
-0.97%
since Sep 3
AIEQ · Sudden change · 1d
weight 0.050% → 4.310% (+4.260 pp)·stock down 8.4% in the 30 days before
Sep 1·entry $116.02·now $117.21
+1.03%
since Sep 1
AIEQ · Weight decrease · 3d
weight 1.880% → 0.290% (-1.590 pp)·stock down 3.3% in the 30 days before
May 30·entry $112.11·now $117.21
+4.55%
since May 30
AIEQ · Weight decrease · 2d
weight 1.880% → 1.820% (-0.060 pp)·stock down 3.1% in the 30 days before
May 28·entry $112.63·now $117.21
+4.07%
since May 28
AIEQ · Weight decrease · 2d
weight 1.920% → 1.880% (-0.040 pp)·stock up 2.4% in the 30 days before
May 24·entry $116.82·now $117.21
+0.33%
since May 24
AIEQ · Weight increase · 2d
weight 1.880% → 1.920% (+0.040 pp)·stock up 1.1% in the 30 days before
May 20·entry $117.22·now $117.21Fresh
-0.01%
since May 20
AIEQ · New entry · 1d
weight 0 → 1.860% (new)·stock up 3.0% in the 30 days before
May 3·entry $113.33·now $117.21Drifting
+3.42%
since May 3
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.