Aflac Inc. (AFL) Stock Investment Calculator & Historical Return Analysis
Aflac Inc. is a Fortune 500 company providing financial protection to more than 50 million people worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fast. For more than six decades, Aflac insurance policies have given policyholders the opportunity to focus on recovery, not financial stress. Investors often view Aflac Inc. as a key player in the market, analyzing its long-term potential through various revenue models, brand recognition, and consistent presence in its industry.
This Aflac Inc. stock investment calculator allows you to explore how a hypothetical investment in AFL might have performed over time. By adjusting the investment amount and time period, you can visualize potential growth, compare outcomes across different market cycles, and better understand the impact of long-term investing.
What if you invested $1000 in AFL on Jan 1, 2020?
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Understanding Aflac Inc.'s Historical Performance
Aflac Inc.'s stock performance has historically reflected both broader market trends and company-specific milestones. Like many growth-oriented stocks, AFL has experienced periods of growth driven by innovation and market demand.
When analyzing Aflac Inc.'s historical returns, it's important to consider:
- Market cycles: Strong bull markets often amplify returns, while recessions can temporarily suppress performance.
- Business model evolution: Changes in revenue strategies and product lines can significantly impact stability.
- Long-term trends: Over extended periods, compounding can play a larger role than short-term price fluctuations. Try our calculator to explore returns over 5 years or larger investments over 10 years.
This calculator helps you see how these factors might have affected an investment depending on when you entered the market.
Historical Annual Returns
Over the past 40 years, Aflac Inc. has delivered an average annual return of 17.7%. The stock peaked in 1998 with a massive +76.2% gain, while investors faced a downturn in 2001 (-29.0%). Overall, the stock finished in the green 33 times out of 40 years.
Avg Return
+17.7%
Win Rate
83%
33W - 7L
Best
+76.2%
1998
Worst
-29.0%
2001
Performance Consistency
Aflac Inc. Annual Returns by Year
| Year | Annual Return | Start Price | End Price |
|---|---|---|---|
| 1986 | +25.47% | $0.35 | $0.44 |
| 1987 | +6.40% | $0.45 | $0.48 |
| 1988 | -1.73% | $0.49 | $0.48 |
| 1989 | +35.59% | $0.47 | $0.64 |
| 1990 | +10.88% | $0.62 | $0.69 |
| 1991 | +60.67% | $0.68 | $1.09 |
| 1992 | +17.63% | $1.09 | $1.28 |
| 1993 | +2.38% | $1.31 | $1.34 |
| 1994 | +19.05% | $1.28 | $1.52 |
| 1995 | +37.65% | $1.52 | $2.10 |
| 1996 | +46.13% | $2.14 | $3.13 |
| 1997 | +20.38% | $3.14 | $3.78 |
| 1998 | +76.18% | $3.71 | $6.53 |
| 1999 | +7.88% | $6.55 | $7.07 |
| 2000 | +62.34% | $6.70 | $10.88 |
| 2001 | -28.97% | $10.50 | $7.46 |
| 2002 | +27.66% | $7.22 | $9.22 |
| 2003 | +15.59% | $9.67 | $11.17 |
| 2004 | +11.44% | $11.15 | $12.42 |
| 2005 | +18.10% | $12.38 | $14.62 |
| 2006 | -0.03% | $14.67 | $14.67 |
| 2007 | +37.49% | $14.75 | $20.28 |
| 2008 | -24.72% | $20.06 | $15.10 |
| 2009 | +3.44% | $15.25 | $15.77 |
| 2010 | +21.44% | $16.22 | $19.70 |
| 2011 | -22.81% | $20.09 | $15.51 |
| 2012 | +21.82% | $16.09 | $19.60 |
| 2013 | +26.64% | $19.95 | $25.26 |
| 2014 | -5.06% | $24.94 | $23.68 |
| 2015 | +0.55% | $23.67 | $23.81 |
| 2016 | +20.55% | $23.52 | $28.35 |
| 2017 | +28.71% | $28.42 | $36.58 |
| 2018 | +5.97% | $36.66 | $38.85 |
| 2019 | +18.66% | $38.82 | $46.06 |
| 2020 | -14.33% | $46.45 | $39.79 |
| 2021 | +38.54% | $38.65 | $53.54 |
| 2022 | +26.67% | $53.43 | $67.68 |
| 2023 | +17.95% | $67.34 | $79.44 |
| 2024 | +26.89% | $80.19 | $101.74 |
| 2025 | +9.52% | $100.68 | $110.27 |
Historical annual returns for Aflac Inc.. Data shows year-over-year percentage change in stock price.
Why Use a "What If" Stock Calculator?
Many investors wonder questions such as:
- What if I had invested 5 years ago?
- How does timing affect long-term returns?
- What role does compounding play in stock investments?
A what-if investment calculator answers these questions by turning historical data into practical insights. Rather than focusing on daily price movements, it encourages a long-term perspective, which is especially useful for retirement planning, portfolio comparisons, and financial education.
Key Innovations
- ✓Pioneered the concept of cancer insurance.
- ✓Developed the worksite marketing model for selling insurance policies via payroll deduction.
Business Segments
- Aflac U.S.Provides supplemental health and life insurance products in the United States.
- Aflac JapanProvides supplemental medical and cancer insurance products in Japan, and is the largest insurer in Japan in terms of individual policies in force.
How to Interpret the Results
The results shown are based on historical performance and are meant for educational and informational purposes only. They do not account for future market conditions, taxes, transaction fees, or individual investment strategies. Past performance does not guarantee future results, but historical analysis can help investors understand risk, volatility, and growth potential.
For best use:
- Compare multiple time ranges to see how outcomes differ
- Use consistent assumptions across different stocks
- Combine this tool with fundamental research and diversification principles