Core Viewpoint - Aflac Incorporated (AFL) is positioned for growth due to strong U.S. business performance, product launches, acquisitions, partnerships, improved underwriting discipline, and effective cost management [2] Financial Performance - Aflac's shares have increased by 4.7% over the past six months, outperforming the industry's 2.8% rise [2] - The market capitalization of Aflac is $58.1 billion [2] - The Zacks Consensus Estimate for AFL's 2025 earnings is $7.53 per share, reflecting a 4.4% year-over-year increase [4] - Revenue estimates for 2025 are projected at $17.8 billion [4] - Aflac has beaten earnings estimates in two of the last four quarters, with an average surprise of 9.4% [4] Growth Drivers - Aflac's revenue growth is supported by strong sales in both U.S. and Japan segments, driven by strategic investments and high persistency rates [5] - New annualized premium sales in Aflac Japan grew by 16.1% year-over-year in the first nine months of 2025, primarily due to sales of the Miraito cancer insurance product and Tsumitasu [5] - Aflac U.S. saw a 3% year-over-year increase in new annualized premium sales in the first nine months of 2025, with group products contributing significantly [6] - The company is enhancing its core insurance growth through strategic acquisitions and partnerships, expanding its capabilities and reach [7] Financial Position - Aflac concluded the third quarter of 2025 with $6.8 billion in cash and cash equivalents, an increase from $6.2 billion at the end of 2024 [8] - The company maintains a strong times-interest-earned ratio of 25.39X, compared to the industry average of 20.02X [8] - Aflac has prioritized shareholder rewards, repurchasing 25.7 million shares worth $2.7 billion in the first nine months of 2025 [8]

作者 | 格隆汇官方 数据支持 | 勾股大数 据（www.gogudata.com） 中国知名独立第三方投研机构格隆汇，由全球七十多国数千万会员票选的2026年度"下注中国"十大核心资产，于"变数"笼罩的市场中重磅揭 晓！ 历经半个多月票选，全球七十多国数千万会员参与，累计产生数十万份有效投票，经纯数据归集整理，2026年度核心资产名单正式敲定。 | 格降汇2026年 | | | "下注中国"十大核心资产 | | | --- | --- | --- | --- | --- | | 核心资产 | 证券代码 | 总市值(亿人民币) | 行业/题材/概念 | 被PK掉的其他选择 | | 中际旭创 | 300308 A股 | 6,778 | Al堂元 先进制造 | 新易盛、中芯国际、立讯精密、宁德时代 | | 腾讯 | 00700 HR | 49,160 | AI应用 | 网易、小米集团-W、快手 | | 阿里巴巴 | 09988 HBS | 24,500 | Al/云计算 | 地平线-W、百度、拼多多、美团 | | 黄金ETF | 518880 AR | 1 | 有色金属 | 紫金矿业、中国宏桥 | | 洛阳辑业 ...

Group 1: Ulta Beauty - Ulta Beauty is a leading beauty retailer in the United States, offering a wide range of products including cosmetics, fragrance, skincare, hair care, bath and body products, and salon styling tools [1] - The company has a Zacks Rank of 1 (Strong Buy) and has seen a 4.7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Ulta Beauty's shares gained 11% over the last three months, outperforming the S&P 500's gain of 3.1%, and possesses a Momentum Score of A [2] Group 2: UiPath - UiPath provides an end-to-end platform for automation, combining Robotic Process Automation solutions for digital business operations [2] - The company also holds a Zacks Rank of 1 and has experienced a 3.1% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - UiPath's shares increased by 24.5% over the last three months, significantly outperforming the S&P 500's gain of 3.1%, and has a Momentum Score of A [3] Group 3: Slide Insurance Holdings, Inc. - Slide Insurance engages in underwriting single-family and condominium policies in the property and casualty industry primarily in the United States [3] - The company has a Zacks Rank of 1 and has seen a substantial 21% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3] - Slide Insurance's shares rose by 23.9% over the last three months, again outperforming the S&P 500's gain of 3.1%, and possesses a Momentum Score of B [4]

Chinese domestic insurer PICC Property and Casualty Company Limited (PICC P&C) has entered into reinsurance agreements with PICC Reinsurance and PICC HK, its sister entities under the ultimate parent PICC Group.PICC P&C entered into separate one-year agreements with both entities, effective from 1 January to 31 December 2026.This framework regulates both outward reinsurance (ceding premiums) and inward reinsurance (assuming premiums).The agreement with PICC Reinsurance focused on maintaining operational sta ...

US property and casualty (P&C) insurance is set to maintain strong underwriting profitability through 2026, despite a shifting landscape, marked by social inflation, slow economic growth, and heightening competition, according to a new report by Fitch Ratings.Fitch has issued a ‘neutral’ sector outlook for 2026, including commercial and personal lines. This stability follows a strong 2025, which benefited from a benign hurricane season, outsized favourable reserve development, and strong personal auto resul ...

服务山东，究竟谁是保险业中坚力量？2025年12月，由齐鲁晚报·齐鲁壹点主办的"影响山东 2025年度山 东保险业影响力评选"活动圆满结束，评选结果正式发布，38家保险公司荣登山东保险业风云榜。 2025年，保险业继续在高质量发展、风险保障和服务民生等领域加速前行。面对经济转型与社会需求的 深刻变化，保险业积极响应"金融强国"战略，深入推进"保险+科技""保险+养老""保险+健康""保险+乡 村振兴"等融合发展模式，在强化金融稳定、助力民生福祉和支撑社会治理现代化方面发挥出更加显著 的作用。 从个人养老到家庭健康，从农业气象到企业风险，从灾害应对到社会保障，保险的触角延伸至经济社会 的各个角落，保险业正成为推动高质量发展的"稳定器""助推器"和"压舱石"。 2025年，山东保险业的创新动能更加充沛：数字化转型、智能风控、普惠保险等新业态不断深化，理赔 服务更加高效便捷，社会影响力显著提升。服务山东，究竟谁是保险业中坚力量？2025年12月，齐鲁晚 报 齐鲁壹点正式启动影响山东 2025年度山东保险业影响力评选活动，读者踊跃参与，累计投票数量超 过240万，综合专家意见及读者评价，最终评选出2025年度最具影响 ...

Core Insights - Insurance companies primarily cover pure risks, which are situations with potential loss but no opportunity for financial gain, while speculative risks, such as gambling or business ventures, are generally not insured [3][5][17] Group 1: Elements of Insurable Risk - Insurable risks must be due to chance, meaning losses must occur unexpectedly and unintentionally [8] - Definiteness and measurability are crucial; policyholders must provide clear proof of loss, typically in measurable amounts [9] - Risks must be statistically predictable, allowing insurers to estimate the frequency and severity of potential losses [11] - Standard insurance does not cover catastrophic risks, which are severe losses deemed too unpredictable or expensive to insure [10][12] - Insurance operates on the law of large numbers, requiring a large and random sample of exposures to make accurate predictions about losses [15][16] Group 2: Types of Risks - Pure risks include natural disasters, accidents, and personal risks affecting income-earning capacity, while speculative risks are not covered by insurance [6][17] - Not all pure risks are universally covered; for instance, flooding may not be included in standard homeowners' policies [7][19] - Economic hardship must result from the risk for it to be insurable, as this is a fundamental aspect of valid insurance contracts [20]

US-based Inszone Insurance Services has acquired Meyer & Rees, which trades as Bierschwale-Rees Insurance. The acquired company is an independent insurance agency headquartered in Fredericksburg, Texas. Neither party has released the financial terms of the transaction. Bierschwale-Rees Insurance was founded in 1903 and is regarded as one of the longest-running insurance agencies still operating in Fredericksburg and nearby communities. The firm is known for its work across personal and commercial insu ...

As of Dec. 31, 2025, two stocks in the financial sector could be flashing a real warning to investors who value momentum as a key criteria in their trading decisions.The RSI is a momentum indicator, which compares a stock’s strength on days when prices go up to its strength on days when prices go down. When compared to a stock’s price action, it can give traders a better sense of how a stock may perform in the short term. An asset is typically considered overbought when the RSI is above 70, according to Ben ...

以初心铸底气 以创新赴新程 燕梳研究院2026年新年献词 当2026年的第一缕阳光照亮金融大地，我们站在"十四五"收官与新征程启幕的历史交汇点，回望保险业 这一年的铿锵足迹。这一年，我们告别规模崇拜的浮躁，拥抱质量优先的笃定；破解转型路上的迷雾， 筑牢服务实体的根基；在政策护航中稳健前行，在创新探索中勇立潮头。每一步跋涉都凝聚着行业人的 坚守，每一次突破都标注着高质量发展的刻度。 这一年，监管"定盘星"精准发力，为行业发展筑牢安全屏障。预定利率动态调整机制平稳落地，三次科 学校准让产品回归风险保障本源，摆脱"利差依赖"的行业更显韧性；非车险"报行合一"铿锵落地， 47.4%的财险市场告别"高费用、低费率"的内耗，迈向合规经营的良性循环；保险资金权益投资比例优 化、长期投资试点扩容至2220亿元，"耐心资本"的底色愈发鲜明，37万亿元险资正成为资本市场的"压 舱石"与实体经济的"滋养剂"。从万能险新规遏制短期化乱象，到中介监管净化市场生态，一道道监管 红线织就安全网，一次次政策创新激活新动能，让行业在规范中焕发持久活力。 这一年，市场"成绩单" 亮点纷呈，在提质增效中书写答卷。五大上市险企前三季度33.5%的净 ...