Forward-Looking Statements and Non-GAAP Financial Measures The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. The company desires to take advantage of these ...

Core Viewpoint - Aflac reported quarterly earnings of $1.66 per share, slightly missing the Zacks Consensus Estimate of $1.68 per share, indicating a -1.19% earnings surprise [1]. Financial Performance - Aflac's revenues for the quarter ended March 2025 were $4.32 billion, which was 1.26% below the Zacks Consensus Estimate and a decrease from $5.44 billion year-over-year [2]. - Over the last four quarters, Aflac has surpassed consensus EPS estimates two times and topped revenue estimates only once [2]. Stock Performance - Aflac shares have increased approximately 5% since the beginning of the year, contrasting with a -5.5% decline in the S&P 500 [3]. - The current Zacks Rank for Aflac is 3 (Hold), suggesting that the stock is expected to perform in line with the market in the near future [6]. Earnings Outlook - The consensus EPS estimate for the upcoming quarter is $1.74 on revenues of $4.4 billion, while for the current fiscal year, the estimate is $6.84 on revenues of $17.62 billion [7]. - The trend of estimate revisions for Aflac is currently mixed, which may change following the recent earnings report [6]. Industry Context - The Insurance - Accident and Health industry, to which Aflac belongs, is currently ranked in the top 36% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8].

FINAL 4/30/2025 Financial Supplement First Quarter 2025 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 Accounti ...

COLUMBUS, Ga., April 30, 2025 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) today reported its first quarter results.Total revenues were $3.4 billion in the first quarter of 2025, compared with $5.4 billion in the first quarter of 2024, primarily due to net investment losses of $963 million this quarter compared to net investment gains of $951 million in the first quarter of 2024. Net earnings were $29 million, or $0.05 per diluted share, compared with $1.9 billion, or $3.25 per diluted share a year ago.Ne ...

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 ...

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]

Aflac Wellness Matters Survey uncovers what may be keeping Americans from getting preventive checkups COLUMBUS, Ga., April 23, 2025 /PRNewswire/ -- April is National Cancer Prevention and Early Detection Month, a time to emphasize the importance of preventive health care and the value of early detection. Key findings from the third annual Wellness Matters Survey1 released by Aflac, the leading provider of supplemental health insurance in the U.S.,2 reveal a vast majority of Americans (90%) put off getting a ...

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 ...