Accessibility StatementSkip Navigation Designed to help children express empathy for those with health challenges, "Beyond Words" represents Aflac's newest expression of care with 100% of net proceeds benefiting the Aflac Childhood Cancer Foundation COLUMBUS, Ga., Nov. 17, 2025 /PRNewswire/ -- In collaboration with bestselling children's book Author Sheri Fink and Research Astronaut Kellie Gerardi, Aflac Incorporated released today a new children's book highlighting the power of empathy, kindness and comp ...

Key Takeaways Aflac raised its quarterly dividend 5.2% to 61 cents, marking 43 consecutive years of increases.The insurer expanded its share repurchase program by 100M shares, with $1B bought back in Q3.Aflac ended Q3 with $6.8B in cash and has a 23.24% debt ratio, showing steady U.S. segment recovery.Aflac Incorporated (AFL) raised its quarterly dividend for the first quarter of 2026 to 61 cents per share, up from 58 cents, extending its impressive record of dividend growth. Over the past five years, the i ...

Core Points - Aflac Incorporated has declared a first quarter dividend of $0.61 per share, marking a 5.2% increase from the previous quarter's dividend [1][2] - The company has a strong track record of 43 consecutive years of dividend increases, supported by robust capital and cash flows [2][3] - Aflac is recognized as the leading provider of supplemental health insurance in the U.S. and cancer and medical insurance in Japan [3] Company Overview - Aflac Incorporated is a Fortune 500 company that has provided financial protection for over seven decades [3] - The company has been included in the World's Most Ethical Companies list for 19 consecutive years and Fortune's World's Most Admired Companies for 24 years [3] - Aflac became a signatory of the Principles for Responsible Investment in 2021 and has been part of the Dow Jones Sustainability North America Index for 11 years [3]

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Core Insights - Aflac Incorporated (AFL) reported third-quarter 2025 adjusted earnings per share (EPS) of $2.49, exceeding the Zacks Consensus Estimate by 38.3% and improving 15.3% year over year [1] - Adjusted revenues reached $4.7 billion, a significant increase of 60.7% year over year, surpassing the consensus mark by 5.6% [1][2] Financial Performance - Strong investment income and improved performance in the U.S. segment contributed to the quarterly results, driven by higher sales of group life and disability products [2] - Adjusted net investment income rose 7.7% year over year to $1 billion, while total net benefits and claims decreased by 10% to $1.4 billion [3] - Total acquisition and operating expenses increased by 3.8% year over year to $1.3 billion [3] Segment Analysis - **Aflac Japan**: Adjusted revenues fell 1.8% year over year to $2.3 billion, missing the consensus estimate of $2.4 billion. Net earned premiums decreased by 2.7% to $1.66 billion, also below the consensus mark [4] - **Aflac U.S.**: Adjusted revenues grew 2.6% year over year to $1.73 billion, slightly missing the consensus estimate of $1.75 billion. Total net earned premiums increased by 2.5% to $1.5 billion, marginally below the consensus mark [6] Financial Position - As of September 30, 2025, Aflac had total cash and cash equivalents of $6.8 billion, an increase of 8.7% from the end of 2024. Total assets rose by 4% to $122.3 billion [8] - Adjusted debt increased by 10.7% to $8 billion, with a debt to adjusted capitalization ratio of 22%, deteriorating by 230 basis points from the end of 2024 [9] Capital Deployment - Aflac repurchased 9.3 million shares worth $1 billion in the third quarter, with 121.6 million shares remaining for buyback as of September 30, 2025 [10] - The company announced a dividend of 58 cents per share for the fourth quarter, payable on December 1, 2025 [10] 2025 Outlook - Aflac anticipates a benefit ratio of 58-60% for the Japan unit in 2025, improved from the previous guidance of 64-66%. The U.S. unit's benefit ratio is projected to remain within 48-52% [11] - The expense ratio for Aflac Japan is expected to be 20-23%, while for Aflac U.S., it is projected to be 36-39% [12] - Underlying earned premiums for the Japan unit are likely to decline by 1-2% year over year in 2025 [12]

As I’ve covered in a previous article at the beginning of the year, Aflac Incorporated’s ( AFL ) growth prospects aren’t particularly impressive and its shares were trading at a premium valuation, leading to myLabutes IR is a Fund Manager/Analyst specialized in the financial sector, with more than 18 years of experience in the financial markets. I have worked at several type of institutions in the industry, always at the buy side and related to portfolio management. Associated with the existing author The O ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION _____________________________________________Aflac Incorporated ____________________________________________________________________________________________________________________________________________________________________________________________ (Exact name of registrant as specified in its charter) (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ ...

Financial Data and Key Metrics Changes - Aflac reported net earnings per diluted share of $3.08 and adjusted earnings per diluted share of $2.49 for Q3 2025, with adjusted earnings increasing by 15.3% year-over-year [3][10] - Adjusted book value per share increased by 6.3%, and adjusted return on equity (ROE) was 19.1% [10][11] - The total net impact from the Q3 assumption update increased EPS by $0.76 [10] Business Line Data and Key Metrics Changes - Aflac Japan experienced an 11.8% year-over-year sales increase, with a notable 42% increase in cancer insurance sales driven by the Miraito product [3][4] - Aflac U.S. generated $390 million in new sales during Q3, a 2.8% year-over-year increase, while maintaining a strong premium persistency of 79% [5][6] - Net earned premiums in Aflac Japan declined by 4%, while underlying earned premiums decreased by 1.2% [11] Market Data and Key Metrics Changes - Aflac Japan's total benefit ratio improved to 39.3%, down nearly 10 percentage points year-over-year, while the third sector benefit ratio was 27.8%, down approximately 14 percentage points year-over-year [11] - In the U.S., the total benefit ratio was 45.6%, 200 basis points lower than Q3 2024, driven by favorable reserve reinvestment gains [13] Company Strategy and Development Direction - The company continues to emphasize third sector protection and innovative products like Tsumitas to attract younger customers [4][9] - Aflac is focused on maintaining strong premium persistency and driving profitable growth through disciplined underwriting [5][6] - The company plans to launch a new medical insurance product in Japan by the end of December, supported by a new cross-functional organizational structure [40][43] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ongoing demand for Aflac's products, highlighting the importance of financial protection in challenging times [6][9] - The company expects the benefit ratio in Japan to be in the 58%-60% range for 2025, with a pre-tax profit margin of 35%-38% [19] - In the U.S., the benefit ratio is expected to be at the lower end of the 48%-52% range, with a pre-tax profit margin in the upper end of the 17%-20% range for 2025 [19] Other Important Information - Aflac repurchased $1 billion of its stock and paid dividends of $309 million in Q3 2025, marking 43 consecutive years of dividend increases [7][18] - The company has maintained a strong capital position, with an SMR above 900% and an estimated regulatory ESR above 250% [18] Q&A Session Summary Question: Sales performance in the U.S. and individual product pressure - Management noted that brokers are leaning towards group products, impacting individual product sales, but they are focused on increasing producer recruitment and productivity [23][25] Question: Trends in cancer sales and Tsumitas product demand - Management reported strong performance in cancer insurance sales driven by Miraito and positive growth in Tsumitas following its repricing [26][31] Question: Repricing details and product launches - The repricing related to Tsumitas involved increasing the assumed interest rate, while no repricing occurred for cancer products [36][38] Question: Future M&A considerations - Management emphasized a focus on organic growth and building out existing capabilities before considering larger M&A opportunities [64][67] Question: Japan cash earnings drivers - High FSA earnings have been driven by a weakening yen and executed reinsurance transactions, which are expected to persist for a couple more years [72][74] Question: U.S. sales growth and future targets - Management acknowledged the need for more scale in the U.S. business and emphasized the importance of bundling products to drive sales growth [83][86]

Forward-Looking Information and Non-U.S. GAAP Financial Measures Third Quarter 2025 Update Max K. Brodén Senior Executive Vice President CFO, Aflac Incorporated 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 ...

For the quarter ended September 2025, Aflac (AFL) reported revenue of $4.74 billion, up 60.7% over the same period last year. EPS came in at $2.49, compared to $2.16 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $4.49 billion, representing a surprise of +5.59%. The company delivered an EPS surprise of +38.33%, with the consensus EPS estimate being $1.80.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they ...