Columbus, Georgia-based Aflac Incorporated (AFL) is a leading provider of supplemental health and life insurance, best known for its workplace insurance products that help cover expenses not paid by primary medical plans. Valued at a market cap of $59.5 billion, the company operates primarily in the United States and Japan, with Japan representing a major share of its revenue and earnings This insurance company has lagged behind the broader market over the past 52 weeks. Shares of AFL have gained 9.5% ov ...

Key Takeaways AFL reported Q4 adjusted EPS of $1.57, up 0.6% year over year, but missing consensus estimates.AFL revenues fell 9.9% to $4.9B as net investment income dropped and operating expenses rose.AFL saw Japan premium sales jump 15.7%, while U.S. earnings declined on higher benefits and expenses.Aflac Incorporated (AFL) reported fourth-quarter 2025 adjusted earnings per share (EPS) of $1.57, which missed the Zacks Consensus Estimate by 8.2%. The bottom line improved 0.6% year over year. Adjusted reven ...

Aflac (NYSE:AFL) Q4 2025 Earnings call February 05, 2026 08:00 AM ET Company ParticipantsAlex Scott - CFABradley Dyslin - Global Chief Investment Officer and President, Aflac Global InvestmentsDaniel Amos - Chairman and CEODavid Young - Head of Investor RelationsJack Matten - CFAKoichiro Yoshizumi - Head of Marketing and Sales DivisionMax Brodén - CFOVirgil Miller - PresidentNone - TranslatorConference Call ParticipantsJoel Hurwitz - AnalystJohn Barnidge - Managing Director and Senior Research AnalystSuneet ...

Aflac (NYSE:AFL) Q4 2025 Earnings call February 05, 2026 08:00 AM ET Company ParticipantsAlex Scott - CFABradley Dyslin - Global Chief Investment Officer and President, Aflac Global InvestmentsDaniel Amos - Chairman and CEODavid Young - Head of Investor RelationsJack Matten - CFAKoichiro Yoshizumi - Head of Marketing and Sales DivisionMax Brodén - CFOVirgil Miller - PresidentNone - TranslatorConference Call ParticipantsJoel Hurwitz - AnalystJohn Barnidge - Managing Director and Senior Research AnalystSuneet ...

Aflac (NYSE:AFL) Q4 2025 Earnings call February 05, 2026 08:00 AM ET Speaker8Good morning, everyone, and welcome to the Aflac Incorporated Fourth Quarter 2025 Earnings Conference Call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press Star and then one on your touchtone phone. To withdraw your qu ...

Aflac (AFL) came out with quarterly earnings of $1.57 per share, missing the Zacks Consensus Estimate of $1.71 per share. This compares to earnings of $1.56 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -8.10%. A quarter ago, it was expected that this insurer would post earnings of $1.8 per share when it actually produced earnings of $2.49, delivering a surprise of +38.33%.Over the last four quarters, the company has surpass ...

Aflac (NYSE:AFL) Q4 2025 Earnings call February 04, 2026 04:00 PM ET Company ParticipantsFrederick Crawford - President and COOFrederick CrawfordThank you for joining me as I provide a financial update on Aflac Incorporated's results. For the fourth quarter of 2025, adjusted earnings per diluted share increased 0.6% year-over-year to $1.57, excluding effect of foreign currency in the quarter. In this quarter, remeasurement gains on reserves totaled $36 million, reducing benefits. Variable investment income ...

Aflac (NYSE:AFL) Q4 2025 Earnings call February 04, 2026 04:00 PM ET Speaker0Thank you for joining me as I provide a financial update on Aflac Incorporated's results. For the fourth quarter of 2025, adjusted earnings per diluted share increased 0.6% year-over-year to $1.57, excluding effect of foreign currency in the quarter. In this quarter, remeasurement gains on reserves totaled $36 million, reducing benefits. Variable investment income ran $12 million below our long-term return expectations. Adjusted bo ...

FINAL 02/04/2026 Financial Supplement Fourth Quarter 2025 This document is a statistical supplement to Aflac's quarterly earnings release. Throughout the presentation, amounts presented may not foot due to rounding. As you review the supplement, please note the non-U.S. GAAP financial measures and definitions found at the back of this document. The Company adopted the Financial Accounting Standards Board's Accounting Standard Update 2018-12 Financial Services - Insurance: Targeted Improvements to the Accoun ...

COLUMBUS, Ga., Feb. 4, 2026 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) today reported its fourth quarter results. Total revenues were $4.9 billion in the fourth quarter of 2025, compared with $5.4 billion in the fourth quarter of 2024. Net earnings were $1.4 billion, or $2.64 per diluted share, compared with $1.9 billion, or $3.42 per diluted share a year ago. Net earnings in the fourth quarter of 2025 included net investment gains of $537 million, or $1.03 per diluted share, compared with net investmen ...