PresentationAll right. Thank you, everyone, for joining us this morning. So -- very pleased to have Aflac with us. So my name is Michael Ward. I'm the North American life insurance analyst at UBS. So to my left, I have Dave -- Virgil Miller, President of Aflac Inc; and David Young, SVP of Capital Markets. I figured we could maybe start with any quick remarks that you guys have write off of 4Q earnings and into 2026.Virgil MillerPresident Yes. Good morning, everyone. I'm Virgil Miller, and first, let me just ...

Aflac (NYSE:AFL) 2026 Conference February 11, 2026 09:40 AM ET Company ParticipantsDavid Young - SVP of Capital MarketsVirgil Miller - PresidentConference Call ParticipantsMichael Ward - North American Life Insurance AnalystMichael WardThank you, everyone, for joining us this morning. So, very pleased to have Aflac with us. So my name is Michael Ward. I'm the North American Life Insurance Analyst at UBS. So to my left, I have David, Virgil Miller, President of Aflac Inc., and David Young, SVP of Capital Mar ...

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 ...