Core Insights - The 14th annual Aflac WorkForces Report highlights significant levels of workplace stress and burnout, particularly among U.S. Hispanic employees, who experience burnout nearly twice as often as their non-Hispanic counterparts [1][2][12] Group 1: Workplace Stress and Burnout - Nearly 3 in 5 American workers are affected by burnout, with millennials (ages 28-43) experiencing the highest levels at 66%, compared to 55% of Gen X (ages 44-59) and 39% of baby boomers (ages 60-78) [2] - The percentage of employees reporting high levels of stress has increased to 38% in 2024, up from 33% in 2023, with U.S. Hispanic workers reporting 46% experiencing high/very high stress, an increase from 37% in 2023 [2][6] Group 2: Causes of Workplace Stress - Heavy workloads (32%) and long work hours (27%) are identified as the primary contributors to workplace stress [3] - The report notes an increase in severe implications of stress, including post-traumatic stress (12% in 2024, up from 7% in 2023) and eating disorders (9% in 2024, up from 6% in 2023) [3] Group 3: Financial Vulnerability - The report indicates that 70% of American workers experience anxiety regarding the impact of unexpected serious medical conditions, an increase from 60% in 2023 [6] - More than half (51%) of employees cannot afford $1,000 in unexpected medical expenses, with U.S. Hispanic (58%) and African American (59%) employees reporting higher financial instability [6][8] Group 4: Importance of Benefits - The significance of benefits to employee loyalty and engagement has reached an all-time high, with 93% of employees recognizing the importance of supplemental insurance for financial security [9][10] - A growing number of employees (62%, up from 53% in 2023) would consider leaving their jobs for better benefits, even if it meant a pay cut [10] Group 5: Corporate Social Responsibility (CSR) - Participation in employers' CSR efforts positively impacts employee well-being, with 91% reporting benefits, although 1 in 4 employees are unaware of their employers' CSR initiatives [14] - A significant portion of employees (77%) consider CSR initiatives important when making employment decisions [15]

Core Insights - Aflac has appointed JR Shamley as the senior vice president for National Account Business Development and Growth Solutions, aiming to enhance its distribution model and drive profitable growth in the national accounts segment [1][2][3] Company Overview - Aflac is the leading provider of supplemental health insurance in the U.S. and has been recognized for its ethical practices and corporate social responsibility [4] Leadership and Experience - JR Shamley brings over 30 years of experience in the group benefits marketplace, having previously held senior positions at Aon, Prudential, AIG, and the Hartford [2][3] Strategic Goals - Shamley will focus on aligning distribution and business strategies to better meet the needs of large employers and their workforces, particularly in the national accounts segment which serves employers with 5,000 or more covered lives [1][3] Market Opportunity - The national accounts platform presents a significant opportunity for Aflac to offer innovative product solutions to brokers and customers [3]

Core Viewpoint - Aflac (AFL) is experiencing significant selling pressure, with a 6.6% decline over the past four weeks, but is now positioned for a potential trend reversal as it enters oversold territory, supported by analyst consensus for better-than-expected earnings [1]. Group 1: Stock Performance and Indicators - Aflac's stock has declined 6.6% in the last four weeks, indicating significant selling pressure [1]. - The stock is currently in oversold territory, as indicated by its Relative Strength Index (RSI) reading of 30, suggesting a potential for trend reversal [3]. - The RSI is a momentum oscillator that helps identify oversold conditions, typically when the reading falls below 30 [2]. Group 2: Analyst Consensus and Earnings Estimates - There is strong agreement among Wall Street analysts that Aflac will report better earnings than previously predicted, with a 3.5% increase in the consensus EPS estimate over the last 30 days [3]. - Aflac holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, indicating a strong potential for price appreciation [3].

Core Insights - Albert Anthony is a Croatian-American media personality and financial contributor, reaching over 1 million investors globally since 2023 [1] - His content on Seeking Alpha averages over 25,000 views monthly, focusing on stock analysis and dividend income portfolio building [1] - In addition to his media work, he has been involved in city council politics in Croatia and ran for Parliament in 2024 [1] Company and Industry Analysis - Albert Anthony provides curated analysis of stocks trading on major US exchanges, offering a forward-looking perspective on stock performance [1] - He has experience in financial services, having worked at Charles Schwab and completed certifications from various prestigious institutions [1] - His involvement with the Croatian Economic Association indicates a commitment to economic discourse and policy development [1]

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 September 30, 2024 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 _____________________________________________________ ...

Aflac Incorporated (AFL) reported third-quarter 2024 adjusted earnings per share of $2.16, which beat the Zacks Consensus Estimate by 27.1%. Also, the bottom line increased 17.4% year over year.Aflac’s revenues decreased from $5 billion in the year-ago quarter to $2.9 billion in the quarter under review. The top line missed the consensus mark by 36.6%.Strong quarterly earnings were supported by lower operating expenses and higher investment income, signaling the company’s effective investment strategies. Wh ...

Aflac Incorporated (NYSE:AFL) Q3 2024 Earnings Conference Call October 31, 2024 8:00 AM ET Company Participants David Young - VP, Capital Markets Dan Amos - Chairman & CEO Max Broden - EVP & CFO Virgil Miller - President, Aflac U.S. Charles Lake - Chairman & President, Aflac International Masatoshi Koide - President, Aflac Life Insurance Japan Brad Dyslin - Global CIO & President, Aflac Global Investments Koichiro Yoshizumi - EVP, Sales & Marketing, Aflac Life Insurance Japan Alycia Slyck - Global Chief Act ...

For the quarter ended September 2024, Aflac (AFL) reported revenue of $2.95 billion, down 40.4% over the same period last year. EPS came in at $2.16, compared to $1.84 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $4.65 billion, representing a surprise of -36.61%. The company delivered an EPS surprise of +27.06%, with the consensus EPS estimate being $1.70. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how ...

Aflac (AFL) came out with quarterly earnings of $2.16 per share, beating the Zacks Consensus Estimate of $1.70 per share. This compares to earnings of $1.84 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 27.06%. A quarter ago, it was expected that this insurer would post earnings of $1.59 per share when it actually produced earnings of $1.83, delivering a surprise of 15.09%.Over the last four quarters, the company has surpass ...

FINAL 10/30/2024 Financial Supplement Third Quarter 2024 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 ...