Aflac (AFL) came out with quarterly earnings of $2.49 per share, beating the Zacks Consensus Estimate of $1.8 per share. This compares to earnings of $2.16 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +38.33%. A quarter ago, it was expected that this insurer would post earnings of $1.71 per share when it actually produced earnings of $1.78, delivering a surprise of +4.09%.Over the last four quarters, the company has surpass ...

Core Insights - Aflac exceeded Wall Street expectations for third-quarter profit and revenue, attributed to investment gains and increased premium growth in its U.S. division [1] Group 1 - Aflac's third-quarter profit and revenue surpassed analyst estimates [1] - The growth was driven by strong investment performance [1] - There was notable premium growth in the United States division [1]

Final 11/04/2025 Financial Supplement Third 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 Account ...

Accessibility StatementSkip Navigation Total revenues were $4.7 billion in the third quarter of 2025, compared with $2.9 billion in the third quarter of 2024, primarily due to net investment gains of $275 million this quarter compared to net investment losses of $1.4 billion in the third quarter of 2024. Net earnings were $1.6 billion, or $3.08 per diluted share, compared with net losses of $93 million, or losses of $0.17 per diluted share a year ago. Net earnings in the third quarter of 2025 included net i ...

Financial Data and Key Metrics Changes - Adjusted earnings per diluted share increased 15.3% year over year to $2.49 with no impact from foreign exchange in the quarter [1] - Adjusted book value per share, excluding foreign currency remeasurement, increased 6.3% [2] - Adjusted return on equity (ROE) was 19.1% to 22.1%, indicating a solid spread to the cost of capital [2] Business Line Data and Key Metrics Changes - In Aflac Japan, net earned premiums declined 4%, while underlying earned premiums decreased 1.2% [3] - The total benefit ratio for Japan was 39.3%, down nearly 10 percentage points year over year [3] - In the U.S., net earned premium increased 2.5%, with a total benefit ratio of 45.6%, which is 200 basis points lower than the previous year [6] Market Data and Key Metrics Changes - Persistency in Japan remained solid at 93.3% year over year [4] - In the U.S., persistency increased by 10 basis points year over year to 79% [6] - The expense ratio in Japan was 19.8%, down 20 basis points year over year, while the U.S. expense ratio was 38.9%, up 90 basis points year over year [5][7] Company Strategy and Development Direction - The company is optimizing efficiencies and migrating to the cloud, which included a one-time termination fee of $21 million [2] - Growth initiatives in Group Life and Disability, Network, Dental and Vision, and Direct to Consumer are expected to scale without impacting the total expense ratio [7] - The company plans to manage the balance sheet and deploy capital to drive strong risk-adjusted ROE with a meaningful spread to the cost of capital [14] Management's Comments on Operating Environment and Future Outlook - Management expects the benefit ratio in Japan for 2025 to be in the 58% to 60% range, with the expense ratio at the lower end of the 20% to 23% range [15] - In the U.S., the benefit ratio for 2025 is expected to be at the lower end of the 48% to 52% range, with the expense ratio in the mid- to upper end of the 36% to 39% range [16] - The pretax profit margin for Japan is anticipated to be in the 35% to 38% range, while for the U.S., it is expected to be at the upper end of the 17% to 20% range [15][16] Other Important Information - The company enhanced liquidity and capital flexibility by $2 billion through the creation of two off-balance-sheet pre-capitalized trusts [12] - The leverage ratio was 22%, within the target range of 20% to 25% [13] - The company repurchased $1 billion of its own stock and paid dividends of $9 million in Q3 [14] Q&A Session Summary Question: What is the outlook for the benefit ratio in Japan? - Management expects the benefit ratio in Japan to be in the 58% to 60% range for 2025 [15] Question: How does the company plan to manage expenses moving forward? - The company anticipates reduced costs and improved efficiency to offset the one-time termination fee over the next few years [7] Question: What are the expectations for the U.S. market in 2025? - The benefit ratio for the U.S. is expected to be at the lower end of the 48% to 52% range, with a pretax profit margin in the upper end of the 17% to 20% range [16]

Aflac Incorporated's NYSE:AFL EPS is expected to decline by 16.7% year over year, despite a projected 52.2% increase in revenue.The company's financial metrics, including a P/E ratio of 23.61 and a debt-to-equity ratio of 0.33, highlight its market position and financial management.Analysts have revised the consensus EPS estimate upwards by 1.1% over the past month, indicating a positive reassessment of Aflac's financial health.Aflac Incorporated, listed on the NYSE under the symbol AFL, is a prominent play ...

The insurer saw sales double in three years after gambling on ads with a quacking duck. ...

Company Overview - Aflac Incorporated (AFL) is valued at $57.6 billion and is a leading provider of supplemental health and life insurance products, primarily operating in the United States and Japan [1] - The company was founded in 1955 and is headquartered in Columbus, Georgia, known for its iconic Aflac Duck marketing campaign [1] Earnings Expectations - Aflac is expected to announce its fiscal third-quarter earnings for 2025 on November 4, with analysts predicting a profit of $1.80 per share, down 16.7% from $2.16 per share in the same quarter last year [2] - For the full fiscal year, analysts expect an EPS of $6.91, a decrease of 4.2% from $7.21 in fiscal 2024, but a rebound is forecasted with a 6.4% increase to $7.35 in fiscal 2026 [3] Stock Performance - Aflac's stock has declined by 6.3% over the past year, underperforming the S&P 500 Index's 14.1% gains and the Financial Select Sector SPDR Fund's 9.6% gains during the same period [4] - On October 14, Aflac shares rose by 1.1% after Bank of America Securities analyst Joshua Shanker reaffirmed a "Buy" rating with a price target of $130 [5] Analyst Ratings - The consensus opinion on Aflac stock is cautious, with an overall "Hold" rating; out of 17 analysts, two recommend a "Strong Buy," one a "Moderate Buy," 11 a "Hold," and three a "Strong Sell" [6] - The average analyst price target for Aflac is $108.57, indicating a marginal upside from current levels [6]

Core Insights - Aflac Incorporated (NYSE:AFL) is recognized as one of the Top 15 Growth Stocks for Long-Term Investors [1] - The company has a significant presence in the Japanese market, which is crucial for its overall performance [2] Group 1: Financial Performance - In Q2 2025, Aflac Japan reported net earned premiums of ¥254.6 billion, reflecting a 23.2% year-over-year increase in sales [2] - The growth was largely attributed to the success of the new cancer insurance product, Miraito [2] Group 2: Strategic Focus - Aflac is prioritizing innovation, product development, and the expansion of its distribution network through strategic partnerships [3] - The company aims to strengthen its distribution channels and enhance its product portfolio to meet changing customer needs [3] Group 3: Dividend Policy - Aflac is recognized as a dividend aristocrat, having increased dividends for 42 consecutive years [4] - The current quarterly dividend is $0.58 per share, with a dividend yield of 2.09% as of October 12 [4]

Core Insights - Dividend growth stocks remain attractive for long-term investors due to their potential for consistent returns and lower volatility compared to high-growth companies [1][2][3] - Companies that regularly increase dividends are perceived as financially stable and often have strong competitive positions, making them appealing to risk-conscious investors [2][3] Methodology - The article identifies 15 dividend aristocrats, companies that have raised dividends for 25 consecutive years or more, with yields above 2% as of October 12 [5] Company Highlights - **Aflac Incorporated (NYSE:AFL)**: - Dividend yield of 2.09% as of October 13, with a focus on supplemental health and life insurance, particularly in Japan [7][9] - Reported a 23.2% year-over-year increase in sales in Q2 2025, driven by a new cancer insurance product [7] - Has a 42-year history of increasing dividends, currently paying $0.58 per share [9] - **Cincinnati Financial Corporation (NASDAQ:CINF)**: - Dividend yield of 2.19% as of October 13, with a history of raising dividends every year since 1960 [10][13] - Maintains a strong presence in the US insurance industry, providing property and casualty coverage through independent agents [11] - Demonstrates solid financial discipline, with a 65-year streak of consecutive dividend increases [12][13] - **PPG Industries, Inc. (NYSE:PPG)**: - Dividend yield of 2.88% as of October 13, specializing in paints, coatings, and specialty materials [14][17] - Invested billions in acquisitions to drive growth while maintaining a balanced capital allocation approach [15] - Has increased dividends for 54 consecutive years, currently paying $0.87 per share [17]