Aflac(US:AFL)2025-11-05 13:00Financial Performance - Net earnings per diluted share increased significantly from $(0.17) in 3Q24 to $3.08 in 3Q25, a 1,911.8% change[10] - Adjusted earnings per diluted share increased by 15.3% from $2.16 in 3Q24 to $2.49 in 3Q25[10] - Adjusted earnings excluding foreign currency impact also increased by 15.3% from $2.16 in 3Q24 to $2.49 in 3Q25[10] - Net earnings increased significantly from $(93) million in 3Q24 to $1,639 million in 3Q25, a 1,862.4% change[37] - Adjusted earnings increased by 9.6% from $1,211 million in 3Q24 to $1,327 million in 3Q25[37] - Adjusted earnings excluding foreign currency impact increased by 9.5% from $1,211 million in 3Q24 to $1,326 million in 3Q25[37] Return on Equity - U.S GAAP ROE increased from (1.5)% in 3Q24 to 23.5% in 3Q25[13] - Adjusted ROE increased from 16.7% in 3Q24 to 19.1% in 3Q25[13] - Adjusted ROE excluding foreign currency remeasurement increased from 20.2% in 3Q24 to 22.1% in 3Q25[13] Capital Deployment - The company deployed capital through dividends and share repurchases, with dividends of $309 million and share repurchases of $1,000 million in 3Q25[27] Persistency and Capital Ratios - Aflac Japan's premium persistency remained solid at 93.3% in 3Q25[16] - Aflac U.S premium persistency remained solid at 79.0% in 3Q25[19] - The adjusted leverage ratio was 22.0% in 3Q25, within the target range of 20-25%[21, 20]