Insurance provider Aflac Incorporated (AFL) is set to report its first-quarter 2025 results on April 30, 2025, after the closing bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $1.68 per shareon revenues of $4.38 billion. (See the Zacks Earnings Calendar to stay ahead of market-making news.)The first-quarter earnings estimate declined by a penny over the past 60 days. The bottom-line projection indicates year-over-year growth of 1.2%. However, the Zacks Co ...

Industry Overview - The insurance industry is expected to benefit from rate increases, strong retention rates, new business growth, an active M&A strategy, and ongoing technological advancements in Q1 2025 [1] - However, interest rate cuts, an active catastrophe environment, and continued inflationary pressures may dampen overall growth prospects for insurers [1] Financial Performance Expectations - Total earnings for finance companies in Q1 2025 are anticipated to rise by 8.2% year-over-year, with revenues expected to improve by 3.3% [2] - Insurance companies are likely to see revenue growth driven by strong premiums from casualty insurance rate increases, exposure growth, and solid customer retention rates [3] Market Dynamics - U.S. commercial insurance rates experienced an overall decline in Q1 2025, primarily due to falling property insurance rates, while the casualty market saw strong price increases due to higher claim severity [4] - Lower interest rates are expected to pressure life insurers' investment returns but may encourage M&A financing, allowing insurers to diversify portfolios and enhance policy sales [5][6] Underwriting and Claims Environment - An active catastrophe environment poses challenges to insurers' underwriting performance, but such events typically lead to stronger policy renewal activity and prudent rate hikes [7] - The aging U.S. population is expected to maintain strong demand for life insurance and protection products, contributing to steady premium inflows [8] Specific Company Insights Allstate - Expected to see higher net premiums across most business lines, supported by rate increases, with a consensus estimate of $2.27 per share, indicating a 55.8% decline year-over-year [12][13] - Revenue consensus is pegged at $17.1 billion, implying 11% growth from the previous year [13] Aflac - Revenue growth is anticipated from U.S. operations, with a consensus estimate of $1.68 per share, indicating a 1.2% rise year-over-year, but revenues are expected to fall by 19.5% to $4.4 billion [14] - Challenges include a decline in sales of group voluntary benefit products and headwinds in the Japan segment [14] Prudential Financial - Expected to gain from higher fees and improved net investment spread, with a consensus estimate of $3.21 per share, indicating a 2.9% rise year-over-year, but revenues are expected to drop by 33% to $14.5 billion [15] - Growth supported by a diversified product portfolio in Japan and expanded channels in Brazil [15] MetLife - Anticipated to benefit from rising premiums across most segments, with a consensus estimate of $1.99 per share, indicating an 8.7% rise year-over-year, and revenues expected to grow by 7% to $18.2 billion [16] - Growth driven by strengthening operations in international markets, particularly Latin America [16]

Company Overview - Aflac (AFL) is expected to report quarterly earnings of $1.68 per share, reflecting a year-over-year increase of +1.2% [3] - Revenues are anticipated to be $4.38 billion, which represents a decline of 19.5% compared to the same quarter last year [3] Earnings Expectations - The earnings report is scheduled for release on April 30, 2025, and could influence stock movement based on whether the results exceed or fall short of expectations [2] - The consensus EPS estimate has been revised 0.99% higher in the last 30 days, indicating a slight positive sentiment among analysts [4] Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that Aflac has a negative Earnings ESP of -0.65%, suggesting a bearish outlook from analysts [10][11] - Aflac currently holds a Zacks Rank of 3 (Hold), complicating predictions of an earnings beat [11] Historical Performance - In the last reported quarter, Aflac was expected to earn $1.62 per share but only achieved $1.56, resulting in a surprise of -3.70% [12] - Over the past four quarters, Aflac has beaten consensus EPS estimates three times [13] Industry Context - Another player in the insurance sector, Unum (UNM), is expected to report earnings of $2.19 per share, reflecting a year-over-year increase of +3.3% [17] - Unum's revenues are projected to be $3.33 billion, up 4.1% from the previous year [17] - Unum has a negative Earnings ESP of -0.58% and a Zacks Rank of 4 (Sell), indicating challenges in predicting an earnings beat [18]

Core Insights - The Aflac Wellness Matters Survey highlights that 90% of Americans delay preventive checkups or screenings, with younger generations particularly affected by various barriers [1][2][3] Group 1: Preventive Care Challenges - 94% of Americans face barriers to obtaining recommended screenings in a timely manner [2] - Common screenings avoided include pap smears (33%), prostate exams (32%), colonoscopies (32%), mammograms (31%), blood tests (31%), full body skin cancer exams (27%), and STD screenings (22%) [3] - Millennials (62%) and Gen Z (61%) are the most likely to avoid these screenings [3] Group 2: Attitudes Towards Health Care - 65% of Americans become proactive about their health only after experiencing a health scare [4] - Those who believe they will be diagnosed with cancer are more likely to delay screenings (62% vs. 42%) [4] Group 3: Primary Care Access - Nearly 20% of Americans lack a regular primary care physician, often citing good health as the reason [7] - 41% of Americans, particularly Gen Z (51%) and millennials (54%), primarily use urgent care or emergency rooms for medical needs [7] Group 4: Generational Differences - Younger generations are more likely to consult family and friends or social media for health concerns, with 68% interested in using AI for health issues [8][9] - Gen Z women (68%) are more likely to skip screenings compared to Gen Z men (55%) [10] Group 5: Influence of Community and Family - 70% of individuals confident in their loved ones' health priorities are more likely to prioritize their own health [12] - 24% of those diagnosed with cancer were urged by a loved one to get checked, indicating the importance of social support in health care decisions [13][14] Group 6: Aflac's Role and Commitment - Aflac emphasizes the importance of preventive care and the establishment of trusted relationships with primary care physicians [6][15] - The company has been recognized for its ethical practices and commitment to corporate social responsibility [17][18]

COLUMBUS, Ga., April 3, 2025 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that it will release first quarter 2025 financial results after the market closes on April 30, 2025. At that time, earnings materials, including the quarterly earnings release and financial supplement, will be available, along with a financial update video from Senior Executive Vice President and Chief Financial Officer Max Brodén, on the company's Investor Relations website, investors.aflac.com.Aflac Incorporated wi ...

Core Investment Insights - Investing in dividend-paying stocks is a strategy for building long-term wealth, as these companies often have strong business models and prudent capital management [1] - Over five decades, dividend-paying stocks have delivered an average annual return of 9.17%, significantly outperforming non-dividend payers at 4.27% [2] - Companies that initiate or grow their dividends have returned even better, with an average return of 10.19% [2] Company Analysis: Chubb - Chubb operates in 54 countries, providing a wide range of insurance products including property and casualty, personal accident, and life insurance [4] - Berkshire Hathaway has invested in Chubb, purchasing 27 million shares, making it the ninth-largest holding in Berkshire's U.S. stock portfolio [5] - Chubb's combined ratio has averaged 90.6% over the past 22 years, well below the industry average of 99.7%, indicating strong underwriting ability [8] - The company recently approved a 6.5% increase in its dividend, marking the 32nd consecutive year of dividend growth [8] Company Analysis: Aflac - Aflac offers life and supplemental insurance plans, facing challenges during low interest rates and the COVID-19 pandemic [9][10][11] - The stock has increased by 85% since 2022 due to improving claims costs and rising interest rates [11] - Aflac raised its dividend payout by 16%, extending its 42-year history of dividend growth [12] Company Analysis: Cincinnati Financial - Cincinnati Financial has a strong history of rewarding investors and solid underwriting performance [14] - The company grew its earned premiums by 12% to $8.9 billion last year, with investment income increasing by 15% to $1 billion [15] - Cincinnati Financial announced a 7.4% increase in its dividend payout, achieving a 65-year streak of annual payout increases [15]

The Zacks Accident and Health Insurance industry is expected to benefit from an increase in underwriting exposure. Aflac Incorporated (AFL) , Unum Group (UNM) , Trupanion (TRUP) , Employers Holdings, Inc. (EIG) and AMERISAFE, Inc. (AMSF) are expected to be driven by prudent underwriting standards. However, higher inflation, as well as rising medical costs, could offset the positives. The industry has been witnessing soft pricing over the past several quarters, and this is not expected to change any time soo ...

Group 1 - The article discusses companies that have the potential to achieve Dividend King status, indicating a focus on long-term dividend growth and sustainability [1] - The author has a strong academic background in Analytics and Accounting, along with over 10 years of experience in the investment field, which adds credibility to the analysis [1] - Dividend investing is highlighted as a personal interest of the author, suggesting a passion for identifying companies with reliable dividend payouts [1] Group 2 - There is no mention of any stock, option, or derivative positions held by the author in the companies discussed, indicating an unbiased perspective [2] - The article does not provide specific investment recommendations or advice, emphasizing that past performance does not guarantee future results [3] - The author expresses personal opinions, which may not reflect the views of the broader Seeking Alpha community, highlighting the individual nature of the analysis [3]

As a part of the campaign, TOGETHXR and Aflac generated an interactive digital map that serves as a guiding resource of bar destinations across the country, where women's sports fans can watch tournament action. The digital map will be available at TOGETHXR.com and will be visible through featured posts on the @TOGETHXR and @GETTOGETHXR Instagram accounts. "TOGETHXR is proud to continue our partnership with Aflac, united in our commitment to create spaces where everyone can come together to celebrate women' ...

Only insurance company in the world to be on this list since its inception in 2007COLUMBUS, Ga., March 11, 2025 /PRNewswire/ -- Aflac Incorporated, a leading provider of health supplemental insurance in the U.S. and the leading provider of cancer and medical insurance in terms of policies in force in Japan, was once again named by Ethisphere as one of the World's Most Ethical Companies, marking 2025 as the 19th consecutive year on this esteemed list. This year, 136 honorees were recognized spanning 19 count ...