Revenue segments as reported by the company.

Net earned premiums

Net investment income

Net investment gains (losses)

Other income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Benefits and claims, net

Acquisition and operating expenses

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Aflac

Aflac, Inc. is a holding company. engages in the provision of financial protection services. It operates through the followings segments: Aflac Japan and Aflac United States (U.S.). The Aflac Japan segment offers life insurance, death benefits, and cash surrender values. The Aflac U.S. segment sells voluntary supplemental insurance products for people who already have major medical or primary insurance coverage. The company was founded by John Amos, Daniel Paul Amos, and William Amos on November 17, 1955 and is headquartered in Columbus, GA.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Aflac reports robust Q4 earnings, eyes growth in Japan and U.S.

Aflac's Q4 2022 earnings call showcased strong financial performance, with a focus on growth in both Japan and the U.S. The company emphasized capital deployment, digital transformation, and strategic initiatives to drive future success. Challenges in the financial industry were acknowledged, with a clear focus on addressing them through transformative efforts.

Aflac drives growth with new products in Japan and U.S.

Aflac's Q1 performance showcased strong growth initiatives, prudent capital management, and a focus on customer-centric strategies in Japan and the U.S.
While facing short-term challenges like increased expense ratios and potential interest rate impacts, the company is well-positioned to capitalize on opportunities like product launches and market developments.
Overall, Aflac's earnings call highlighted a resilient business model, commitment to innovation, and confidence in its future growth prospects.

Aflac reports robust Q2 earnings, eyes growth through strategic partnerships

Aflac's Q2 2023 earnings call highlighted strong performance in Japan and the U.S., with a focus on cancer insurance and persistency improvement. The company aims to drive growth through prudent financial management and strategic partnerships.

Aflac reports robust Q3 earnings, eyes growth amidst market challenges

Aflac's Q3 performance showcased strong sales growth, financial resilience, and strategic capital management.
While facing challenges in the real estate market and regulatory landscape, the company is well-positioned to capitalize on growth opportunities.
Emphasis on product value, brand strength, and innovation underpin Aflac's competitive edge and customer-centric approach.
With a focus on operational efficiency, risk management, and market readiness, Aflac is poised for sustainable growth and value creation.

Aflac achieves record earnings in 2023, eyes growth opportunities

Aflac delivered record earnings in 2023, driven by strong sales growth in Aflac Japan and Aflac U.S., while maintaining a focus on liquidity and capital strength.
The company faces challenges related to commercial real estate exposure and COVID's impact on sales operations in Japan, requiring cautious guidance and strategic adaptation.
Opportunities lie in the U.S. pet insurance market, recruitment of customer-centric sales agents, and improving expense efficiency to drive profitability and operational effectiveness.
Aflac's strategic focus on underwriting discipline and expense management positions it well for sustained growth and profitability, despite facing capital management complexities.

Aflac reports robust Q1 earnings, eyes growth opportunities in Japan and U.S.

Aflac's Q1 performance showcases strong financial results, disciplined underwriting, and strategic focus on growth opportunities in both Japan and the U.S. Despite challenges in agent recruiting, the company is well-positioned to capitalize on positive market shifts and drive future sales through diverse channels.

Aflac reports resilient Q3 performance with strong sales growth

Aflac's Q3 performance showcased resilience with strong sales growth in Japan and the U.S., despite a reported loss on a U.S. GAAP basis.
The company's emphasis on prudent capital management and financial stability underpins its ability to navigate challenges and capitalize on growth opportunities.
Analysts' inquiries highlighted areas of interest and potential focus for Aflac to address operational efficiency, competitive dynamics, and strategic growth initiatives.
Overall, Aflac's strategic focus on diversified insurance offerings and solid capital position positions it well for sustained growth and value creation.

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Cost of revenue

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Minority interest

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Book value per share

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Change in stock

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Cash from other sources

Net change in cash

Free cash flow

Aflac, Inc. is a holding company, which engages in the provision of financial protection services. It operates through the following segments: Aflac Japan and Aflac U.S. The Aflac Japan segment offers life insurance, death benefits, and cash surrender values. The Aflac U.S. segment sells voluntary supplemental insurance products for people who already have major medical or primary insurance coverage. The company was founded by John Amos, Paul Amos and William Amos on November 17, 1955 and is headquartered in Columbus, GA.

Comforting robotic companions donated to pediatric cancer patients courtesy of Aflac ROSEVILLE Calif. , Nov. 21, 2024 /PRNewswire/ -- Children in Northern California now have a cuddly companion to bring them comfort through their cancer treatment journey.

My Special Aflac Duck® lands in the Sacramento Valley

COLUMBUS, Ga. , Nov. 21, 2024 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that it will webcast its annual Financial Analysts Briefing on December 3, 2024 at starting 8:00 a.m.

Aflac Incorporated to Webcast 2024 Financial Analysts Briefing

Aflac (AFL) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Aflac (AFL) Upgraded to Buy: Here's Why

14th annual Aflac WorkForces Report uncovers very high levels of burnout are  nearly twice as likely among U.S. Hispanic employees than non-Hispanics COLUMBUS, Ga. , Nov. 12, 2024 /PRNewswire/ -- American employers and employees are facing a conundrum: heightened levels of workplace stress and burnout.

American workforce burnout reaches tipping point

30-year group insurance industry veteran will leverage his carrier and benefits consulting experience to further deepen Aflac's distribution model and drive profitable growth COLUMBUS, Ga. , Nov. 11, 2024 /PRNewswire/ -- Aflac, the leading provider of supplemental health insurance in the U.S.1, today announced the hiring of JR Shamley for the newly created position of senior vice president, National Account Business Development and Growth Solutions.

Aflac hires JR Shamley as senior vice president, National Account Business Development and Growth Solutions

Aflac (AFL) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term.

Down -6.55% in 4 Weeks, Here's Why Aflac (AFL) Looks Ripe for a Turnaround

Aflac gets upgraded to Buy from my prior hold rating a year ago, driven by policy growth & retention in Q3 despite net earnings loss. Although the stock trades near a 10-year-high, it is still undervalued to key peers in terms of fwd P/E and trailing P/B ratios. A trend of dividend growth looks to continue its sustainability.

Insurer Aflac Quacks Away At Policy Growth And Low Debt Risk

AFL's third-quarter earnings benefit from higher net investment income and reduced operating expenses. Lower benefits and expenses in the Japan segment partially offset the positives.

Aflac Q3 Earnings Top Estimates on Lower Benefits & Expenses

Lemonade

Prudential Financial

Shares of insurance name Root (ROOT) are trading at roughly  three-year highs , on track for their best session on record after a surprise third-quarter earnings beat.

3 Insurance Stocks Making Moves After Earnings

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 Actuary Conference Call Participants Joel Hurwitz - Dowling & Partners Tom Gallagher - Evercore ISI Wes Carmichael - Autonomous Research Ryan Krueger - KBW John Barnidge - Piper Sandler Jimmy Bhullar - J.P. Morgan Wilma Burdis - Raymond James Nick Annitto - Wells Fargo Operator Good day, and welcome to the Aflac Incorporated Third Quarter 2024 Earnings Call.

Aflac Incorporated (AFL) Q3 2024 Earnings Call Transcript

Although the revenue and EPS for Aflac (AFL) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Aflac (AFL) Reports Q3 Earnings: What Key Metrics Have to Say

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.

Aflac (AFL) Tops Q3 Earnings Estimates

COLUMBUS, Ga. , Oct. 30, 2024 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) today reported its third quarter results.

Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Losses of $93 Million, Declares Fourth Quarter Cash Dividend

COLUMBUS, Ga. , Oct. 30, 2024 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today the promotion of Virgil R.

Aflac Incorporated Promotes Virgil R. Miller to President of Aflac Incorporated, Audrey Boone Tillman and Max K.

COLUMBUS, Ga. & BOSTON--(BUSINESS WIRE)--Transmit Security is proud to announce that one of its key clients, Aflac, was recognized with the 2024 CSO Award for “Quackcess Granted” Passkey Authentication Initiative, powered by Transmit Security. The program was recognized with the 2024 CSO Award for innovation in cybersecurity, celebrating Aflac, a leading provider of supplemental health insurance and products in the U.S., for its success in elevating both security and customer experience through.

Transmit Security Powers Aflac's 2024 CSO Award Win for “Quackcess Granted” Passkey Authentication Initiative

Allstate

Axis Capital

MetLife

Increasing rates, underwriting practices and other factors are expected to have benefited insurance players in the third quarter. AFL, MET, ALL, PRU & AXS will release earnings on Oct. 30.

Q3 Showdown: Can These 5 Insurance Stocks Beat the Estimates?

AFL's Q3 results are likely to reflect benefits of improved Group Life Absent Management and Disability sales in its U.S. operations, partly offset by falling net premiums in the Japan segment.

Can Aflac Beat Q3 Earnings Estimates Despite Soft Japan Operations?

Lincoln National

Willis Towers Watson PLC

Better pricing, exposure growth, accelerated digitalization and sturdy capital are expected to help BRK.B, MET, LNC, WTW and AFL outperform third-quarter earnings estimates.

5 Insurers Poised to Outperform Estimates This Earnings Season

Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Aflac (AFL), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended September 2024.

Ahead of Aflac (AFL) Q3 Earnings: Get Ready With Wall Street Estimates for Key Metrics

Aflac (AFL) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Aflac (AFL) Expected to Beat Earnings Estimates: Can the Stock Move Higher?

Royalty Pharma

Why investors should use the Zacks Earnings ESP tool to help find stocks that are poised to top quarterly earnings estimates.

Why Investors Need to Take Advantage of These 2 Finance Stocks Now

AFL remains well-poised for growth on productivity gains in its U.S. business, partnerships, technology investments and solid cash reserves.

Aflac Gains 48% in the Past Year: What Lies Ahead for Investors?

Aflac (AFL) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Why Aflac (AFL) is Poised to Beat Earnings Estimates Again

Trupanion

Unum

Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of Zacks Accident and Health Insurance industry players like AFL, UNM and TRUP.

3 Stocks to Watch From the Thriving Accident & Health Insurance Industry

Here is how Aflac (AFL) and BGC Group (BGC) have performed compared to their sector so far this year.

News for Aflac Stock (AFL)