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Aflac

AFL · Financials

Last earnings Aug 6, 2026  ·  Next earnings Nov 4, 2026

Key results

Net incomequarter

$ 6.69

Earnings per share of common stock Net earnings (basic) $ 6.69 $

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

htm EX-99.1 Document News Release Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $599 Million, Declares Third Quarter Dividend COLUMBUS, Ga.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Total revenuequarter

$4.2 billion

Total revenues were $4.2 billion in the second quarter of 2025, compared with $5.1 billion in the second quarter of 2024, primarily due to net investment losses of $421 million this quarter compared to net investment gains of $696 million in the second quarter of 2024.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Net earnings were $599 million, or $1.11 per diluted share, compared with $1.8 billion, or $3.10 per diluted share a year ago.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Net earnings in the second quarter of 2025 included net investment losses of $421 million, or $0.78 per diluted share, compared with net investment gains of $696 million, or $1.23 per diluted share a year ago.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

EPSquarter

$0.04

The stronger yen dollar exchange rate positively impacted adjusted earnings per share by $0.04.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Revenuequarter

28.5%

For the first six months of 2025, total revenues were down 28.5% to $7.6 billion, compared with $10.6 billion in the first half of 2024.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Net earnings were $628 million, or $1.16 per diluted share, compared with $3.6 billion, or $6.35 per diluted share, for the first six months of 2024.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

AI analysis

Q2 2025 · reported Aug 5, 2025

Based on: Earnings release + Q2 2025 deck + parent 8-K + 10-Q — transcript not held

Total revenue · Q2 2025
$4.2B
-17.6% -$900M vs year ago computed from stated figures
EX-99 · Aug 5, 2025
EPS · Q2 2025
$0.04
EX-99 · Aug 5, 2025
Net income · Q2 2025
$ 6.69
EX-99 · Aug 5, 2025

The quarter in charts

Revenue — quarterly

As stated

0246$5.1BSame quarter last year$4.2BQ2 2025

EX-99 · Aug 5, 2025 Statement values as stated in the release.

Headline figures

MetricQ2 2025Prior qtrYear ago
Net income$ 6.69——
Total revenue$4.2 billion—$5.1 billion
EPS$0.04——
Revenue28.5%——

EX-99 · Aug 5, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNov 4, 2026Verified from the company’s own announcement

Capital allocation

Aflac Incorporated Page Share Data 2 Summary of Adjusted Results by Business Segment 3 Statements of Earnings 4 Analysis of Net Earnings and Net Earnings Per Share 5 Balance Sheets 6 Quarterly Financial Results 7 Quarterly Book Value Per Share 8 Return on Equity 9 Adjusted Earnings Per Share Excluding Current Period Foreign Currency Impact 10 Investment Results 11 , 12 , 13 Long-Term Debt Data 14 Ratings 15 Aflac U.

_ _ _ AA+ _ Issuer Credit Ratings AM Best Moody's S P JCR R I Aflac Incorporated Long-term Senior Debt a A3 A- AA- A+ Junior Subordinated Debt a- Baa1 BBB _ A- Aflac of Columbus Long-term Senior Debt aa _ A+ AA+ _ Aflac Life Insurance Japan, Ltd.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Final 8 5 2025 Financial Supplement Second Quarter 2025 This document is a statistical supplement to Aflac s quarterly earnings release

Based on: Earnings release + Q2 2025 deck + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Aflac Incorporated Page Share Data 2 Summary of Adjusted Results by Business Segment 3 Statements of Earnings 4 Analysis of Net Earnings and Net Earnings Per Share 5 Balance Sheets 6 Quarterly Financial Results 7 Quarterly Book Value Per Share 8 Return on Equity 9 Adjusted Earnings Per Share Excluding Current Period Foreign Currency Impact 10 Investment Results 11 , 12 , 13 Long-Term Debt Data 14 Ratings 15 Aflac U.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

_ _ _ AA+ _ Issuer Credit Ratings AM Best Moody's S P JCR R I Aflac Incorporated Long-term Senior Debt a A3 A- AA- A+ Junior Subordinated Debt a- Baa1 BBB _ A- Aflac of Columbus Long-term Senior Debt aa _ A+ AA+ _ Aflac Life Insurance Japan, Ltd.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Long-term Senior Debt aa _ A+ AA+ _ The outlook for all ratings is stable.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Adjusted debt is the sum of notes payable, as recorded on the U.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

GAAP balance sheet, excluding 50% of subordinated debentures and perpetual bonds and all pre-funding of debt maturities.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

The Company considers adjusted debt important as it measures outstanding debt consistently with expectations of the Company s rating agency stakeholders.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Strategy & priorities

and Japan with distribution strategies and refreshed products.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

We believe our strategy will continue to create long-term value for shareholders.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Overall, I believe we have the right strategy to meet our customers' financial protection needs throughout their different life stages.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

We continue to focus on more profitable growth through our stronger underwriting discipline and improving the productivity of agents and brokers.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

We intend to continue our balanced approach of investing in growth and driving long-term operating efficiencies.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Risks & headwinds

Furthermore, forward-looking information is subject to numerous assumptions, risks and uncertainties.

SEC original ↗Aflac — Earnings release (8-K exhibit)EX-99Aug 5, 2025

Documents

Earnings deck slides

0 decks with slide view

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Aflac — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Named in the company’s own filings

Financial Institutions Inc. (FISI)“expect anticipate believe goal objective strategy may should estimate intend project future will assume potential target outlook continue The Company cautions readers that the following factors, in addition to other factors mentioned from time to time, could cause actual results to differ materially from those contemplated by the forward-looking statements: difficult conditions in global capital m”

Filings

70 documents

Earnings releases

41 documents

Presentations

21 documents

Transcripts

0 documents

No transcripts for Aflac are held in this edition of the library.

Mentioned by

2 companies

Other tracked companies whose held documents mention Aflac by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.