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AFLAC (AFL)
NYSE:AFL
Earnings Data
Report Date
Aug 05, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.71Last Year’s EPS
1.83Same Quarter Last Year
Based on 11 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: -2.49%
|Next Earnings Date:Aug 05, 2025
Earnings Call Sentiment|Neutral
Aflac's first quarter demonstrated strong sales growth in Japan and stable adjusted earnings per share, supported by solid capital deployment and high persistency rates. However, challenges include net investment losses, a decline in Japan's earned premiums, and increased expense ratios. While there are significant achievements, the presence of notable financial pressures balances the overall sentiment.Company Guidance
During the Aflac Incorporated First Quarter 2025 Earnings Call, the company provided several key financial metrics and updates on its operations. Aflac reported net earnings per diluted share of $0.05, impacted by net investment losses, while adjusted earnings per diluted share remained flat at $1.66 compared to the same quarter in 2024. In Japan, Aflac achieved a 12.6% year-over-year increase in sales, with notable growth in cancer insurance sales by 6.3%. The company also launched its new cancer insurance product, Miraito, which has shown positive initial results. Meanwhile, Aflac U.S. experienced a 3.5% year-over-year increase in sales, supported by strong performance in group life, disability, and network dental segments. The company maintained a strong capital position, deploying $900 million to repurchase 8.5 million shares and returning $1.2 billion to shareholders through dividends and buybacks. Aflac also reported an adjusted return on equity (ROE) of 12.7%, or 15.6% excluding foreign currency remeasurement, and a combined RBC ratio estimated to be above 600%.Cancer Insurance Sales Increase
Aflac Japan reported a 12.6% year-over-year sales increase, with a significant contribution from a 6.3% increase in cancer insurance sales.
Adjusted Earnings Per Share Stable
Adjusted earnings per diluted share were $1.66, unchanged from the first quarter of 2024, despite a $0.01 negative impact from foreign exchange.
Strong Capital Deployment
Aflac deployed $900 million to repurchase 8.5 million shares of stock and delivered $1.2 billion back to shareholders, maintaining a strong capital position.
U.S. Sales Growth
Aflac U.S. saw a 3.5% year-over-year increase in sales, with strong momentum in group life, disability, and dental segments.
High Persistency Rates
Persistency rates remained high in both Japan (93.8%) and the U.S. (79.3%), indicating customer retention and business stability.
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AFL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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AFL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 30, 2025 | $108.68 | $103.52 | -4.75% |
| Feb 05, 2025 | $106.69 | $102.51 | -3.92% |
| Oct 30, 2024 | $108.98 | $103.74 | -4.81% |
| Jul 31, 2024 | $93.97 | $100.15 | +6.58% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does AFLAC (AFL) report earnings?
AFLAC (AFL) is schdueled to report earning on Aug 05, 2025, TBA Not Confirmed.
What is AFLAC (AFL) earnings time?
AFLAC (AFL) earnings time is at Aug 05, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is AFL EPS forecast?
AFL EPS forecast for the fiscal quarter 2025 (Q2) is 1.71.
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