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 ...

Aflac (NYSE:AFL) Q3 2025 Earnings Call November 04, 2025 07:00 AM ET Speaker0Thank you for joining me as I provide a financial update on Aflac Incorporated's results. For the 2025, adjusted earnings per diluted share increased 15.3% year over year to $2.49 with no impact from FX in the quarter. In this quarter, remeasurement gains on reserves totaled $580,000,000 reducing benefits and also increasing the deferred profit liability in earned premium line by $55,000,000 The total net impact from the Q3 assumpt ...

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]

Core Insights - Aflac Incorporated is a significant player in the insurance industry, particularly known for its supplemental health insurance products in the U.S. and cancer and medical insurance offerings in Japan [1] Group 1: Company Performance - Barclays has maintained an "Underweight" rating for Aflac, while increasing the price target to $102 from $100, despite the stock price being $112.93 at the time [2][5] - Aflac's stock has shown volatility, trading between $112.55 and $113.89, with a market capitalization of approximately $60.4 billion [4][5] - Over the past year, Aflac's stock reached a high of $115.44 and a low of $96.95, indicating fluctuations in performance [4] Group 2: Commitment to Policyholders - Aflac has introduced a grace period for premium payments for federal employees affected by the government shutdown, demonstrating its commitment to supporting policyholders during challenging times [3][5]

Core Insights - Aflac Incorporated will release its third quarter 2025 financial results on November 4, 2025, after market close [1] - A conference call to discuss the quarterly results is scheduled for November 5, 2025, at 8:00 a.m. (ET) [2] - Aflac is recognized as the No. 1 provider of supplemental health insurance in the U.S. and the leading provider of cancer and medical insurance in Japan [2] Financial Information - The company reported total revenues of $4.2 billion for the second quarter of 2025 [4] Corporate Recognition - Aflac has been included in the World's Most Ethical Companies by Ethisphere for 19 consecutive years and in Fortune's World's Most Admired Companies for 24 years [2] - 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 [2]

Core Insights - Aflac Incorporated (AFL) is positioned for growth due to expanding sales in Japan and the U.S., a trusted brand, innovative products, strict underwriting discipline, and effective cost management [1][3][4] Sales Performance - Sales in Japan increased by 18.7% year-over-year in the first half of the year, reaching $236 million, driven by strong sales of Miraito and efforts to attract younger customers with Tsumitasu [3][9] - U.S. sales rose by 3.1% year-over-year to $649 million, with group life and disability products contributing significantly to this growth [3][9] Margin Analysis - The company anticipates pretax margins of 30-33% in Japan and 17-20% in the U.S. for 2025, with the U.S. segment achieving a 22.5% pretax margin in the second quarter due to cost-control measures [4][9] Business Resilience - Demand for supplemental insurance remains strong, as these products address coverage gaps rather than compete with traditional offerings, providing Aflac with a stable revenue stream less affected by economic fluctuations [5] Shareholder Value Initiatives - Aflac prioritized shareholder rewards, repurchasing 7.9 million shares worth $829 million in the second quarter and authorizing an additional 100 million shares for repurchase, totaling approximately 130.9 million shares remaining [6] - The company extended its dividend growth streak to 42 consecutive years in 2024, with total capital deployment reaching $2.4 billion in the first half of 2025 [6] Earnings Performance - Aflac's earnings have exceeded the Zacks Consensus Estimate in two of the last four quarters, with an average surprise of 6.6% [7] Industry Competitors - Competitors like AMERISAFE, Inc. and Globe Life Inc. are also active in the market, with AMERISAFE focusing on workers' compensation and maintaining a strong retention rate, while Globe Life benefits from steady premium income and underwriting margins [10][11]