Aflac (AFL) Q2 2025 Earnings Call August 06, 2025 08:00 AM ET Speaker0Good day, and welcome to the Aflac Incorporated Second Quarter twenty twenty five Earnings Call. All participants will be in listen only mode. Please note this event is being recorded. I would now like to turn the conference over to David Young. Please go ahead.Speaker1Good morning, and welcome. Thank you for joining us for Aflac Incorporated's second quarter twenty twenty five earnings call. This morning, Dan Amos, Chairman, CEO of Aflac ...

Forward-Looking Information and Non-U.S.GAAP Financial Measures The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. The company desires to take advantage of ...

Core Insights - Aflac reported revenue of $4.54 billion for the quarter ended June 2025, reflecting an 11.7% decrease year-over-year, but exceeded the Zacks Consensus Estimate by 2.3% [1] - Earnings per share (EPS) for the quarter was $1.78, down from $1.83 in the same quarter last year, surpassing the consensus EPS estimate of $1.71 by 4.09% [1] Financial Performance Metrics - Aflac Japan's Total Benefit/Premium was 66.5%, exceeding the average estimate of 65.3% [4] - Aflac U.S. Total Adjusted Expenses/Total Adjusted Revenue was 36.3%, better than the average estimate of 38.1% [4] - Aflac U.S. Total Adjusted Revenues were reported at $1.73 billion, slightly below the estimated $1.74 billion, but showed a year-over-year increase of 2.6% [4] - Aflac Japan's Total Adjusted Revenues were $2.47 billion, surpassing the estimate of $2.38 billion, with a year-over-year change of 1% [4] - Total net earned premiums for Aflac U.S. were $1.5 billion, compared to the estimate of $1.52 billion, reflecting a 3.4% increase year-over-year [4] - Other income for Aflac Japan was reported at $12 million, significantly higher than the estimated $6.67 million, marking a 71.4% year-over-year increase [4] - Net investment income was $1.08 billion, slightly below the estimate of $907.26 million, showing a 1.3% decrease year-over-year [4] - Total net earned premiums across the company were $3.47 billion, exceeding the estimate of $3.44 billion, with a year-over-year increase of 4.4% [4] - Corporate and other adjusted revenues were $336 million, surpassing the average estimate of $328.5 million, representing a 34.9% year-over-year change [4] Stock Performance - Aflac's shares have returned -4.2% over the past month, contrasting with a +1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Aflac (AFL) came out with quarterly earnings of $1.78 per share, beating the Zacks Consensus Estimate of $1.71 per share. This compares to earnings of $1.83 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +4.09%. A quarter ago, it was expected that this insurer would post earnings of $1.68 per share when it actually produced earnings of $1.66, delivering a surprise of -1.19%.Over the last four quarters, the company has surpass ...

Final 8/5/2025 Financial Supplement Second 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 Accounti ...

COLUMBUS, Ga., Aug. 5, 2025 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) today reported its second quarter results.Total revenues were $4.2 billion in the second quarter of 2025, compared with $5.1 billion in the second quarter of 2024, primarily due to net investment losses of $421 million this quarter compared to net investment gains of $696 million in the second quarter of 2024. Net earnings were $599 million, or $1.11 per diluted share, compared with $1.8 billion, or $3.10 per diluted share a year ago ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 _____________________________________________Aflac Incorporated __________________________________________________________ ...

Key Takeaways Aflac is set to report Q2 earnings of $1.71 per share on $4.43B in revenue, both down year over year.Expected premium growth will likely be offset by lower Japan earnings and weaker investment income.AFL's Corporate and other segment may help offset declines with improved pre-tax adjusted earnings.Insurance provider Aflac Incorporated (AFL) is set to report its second-quarter 2025 results on Aug. 5, 2025, after the closing bell. The Zacks Consensus Estimate for the to-be-reported quarter’s ear ...

Core Viewpoint - Aflac Inc. is under investigation for potential breaches of fiduciary duty and corporate governance failures related to a recent cybersecurity breach that may have compromised sensitive personal data of customers and employees [1][2][3] Group 1: Cybersecurity Breach - On June 12, 2025, Aflac disclosed that unauthorized actors accessed its U.S. systems, potentially compromising personal data including Social Security numbers, health records, and insurance claim information [2] - The company is currently assessing the full scope of the data exposure resulting from the breach [2] Group 2: Investigation Details - Berger Montague is evaluating whether Aflac's officers and directors failed to implement adequate cybersecurity protocols and whether they provided timely and accurate disclosures regarding the breach [3] - The investigation will also consider if there was a breach of the duty of oversight by Aflac's leadership [3]

Group 1 - Aflac Incorporated will release its second quarter 2025 financial results on August 5, 2025, after market close [1] - A conference call to discuss the quarterly results is scheduled for August 6, 2025, at 8:00 a.m. (ET) [2] - Aflac is the leading provider of supplemental health insurance in the U.S. and cancer and medical insurance in Japan [3] Group 2 - Aflac has been recognized as one of the World's Most Ethical Companies for 19 consecutive years and has been included in Fortune's World's Most Admired Companies for 24 years [3] - The company became a signatory of the Principles for Responsible Investment (PRI) in 2021 and has been part of the Dow Jones Sustainability North America Index for 11 years [3] - Aflac has provided financial protection to millions of policyholders for nearly seven decades [3]