Earning Analysis
Welcome to our in-depth analysis of Aflac Inc(AFL) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Aflac Inc earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.
Earnings Forecast
Revenue
EPS
Currency: USD
Actual
Estimate
Surprise Analysis
| FY2025Q3 | 2025-11-04 | After Hours | 1.80 | 2.49 | +38.33 | 4.48B | 4.41B | -1.55 | +2.23 | +4.38 |
| FY2025Q2 | 2025-08-05 | After Hours | 1.71 | 1.78 | +4.09 | 4.32B | 4.16B | -3.65 | +3.43 | +5.31 |
| FY2025Q1 | 2025-04-30 | After Hours | 1.68 | 1.66 | -1.19 | 4.27B | 3.40B | -20.39 | -4.75 | -2.56 |
| FY2024Q4 | 2025-02-05 | After Hours | 1.62 | 1.56 | -3.70 | 4.16B | 5.40B | +29.78 | -3.92 | -4.05 |
| FY2024Q3 | 2024-10-30 | After Hours | 1.70 | 2.16 | +27.06 | 4.46B | 2.95B | -33.89 | -4.81 | -1.39 |
| FY2024Q2 | 2024-07-31 | - | 1.59 | 1.83 | +15.09 | 4.31B | 5.14B | +19.10 | +0.02 | +3.40 |
| FY2024Q1 | 2024-05-01 | - | 1.58 | 1.66 | +5.06 | 4.30B | 5.44B | +26.53 | +1.10 | +1.23 |
| FY2023Q4 | 2024-01-31 | - | 1.47 | 1.25 | -14.97 | 4.39B | 3.78B | -14.01 | -1.62 | -10.28 |
| FY2023Q3 | 2023-11-01 | - | 1.44 | 1.84 | +27.78 | 4.45B | 4.95B | +11.21 | +1.20 | +3.67 |
| FY2023Q2 | 2023-08-01 | - | 1.42 | 1.58 | +11.27 | 4.47B | 5.17B | +15.71 | -0.32 | +7.76 |
AFL Earnings Analysis
Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Aflac Inc reported performance for FY2025Q3, announced on 2025-11-04. The company achieved an EPS of 2.49, compared to analyst estimates of 1.80 by 38.33% . Revenue for the quarter reached 4.41B compared to expectations of 4.48B by -1.55% .
The stock price reacted with a 2.23% one-day change and a 4.38% five-day change following the earnings release. These movements reflect market reaction in Aflac Inc growth trajectory and strategic initiatives.
AFL Earnings Forecast
Looking ahead, Aflac Inc(AFL) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q4 project quarter revenue of 4.41B and an EPS of 1.70.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 0.89%, while EPS estimates have been Revise Upward by 10.11%. For the upcoming Q4 2025, revenue estimates have been adjusted Revise Upward by 1.25% . These revisions correlate with a 2.16% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Aflac Inc long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.
Estimate Revision
The chart shows the correlation between AFL's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward
+0.89%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+10.11%
In Past 3 Month
Revenue Estimates for Q4 2025
Revise Upward
+1.25%
In Past 3 Month
Stock Price
Go Up
+2.16%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
1Y
3Y
5Y
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Revenue Estimate-Annual FY 2025:17.76B
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EPS Estimate-Annual FY 2025:7.57
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Stock Price109.24
AFL Revenue and EPS Performance: A Historical Perspective
Aflac Inc revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q3 (2025-11-04,After Hours):
EPS: 2.49 (Actual) vs.1.80 (Estimate) (38.33%)
Revenue: 4.41B (Actual) vs. 4.48B (Estimate) (-1.55%)
Price Reaction: 2.23%(1-Day), 4.38%(5-Day)
FY2025Q2 (2025-08-05,After Hours):
EPS: 1.78 (Actual) vs.1.71 (Estimate) (4.09%)
Revenue: 4.16B (Actual) vs. 4.32B (Estimate) (-3.65%)
Price Reaction: 3.43%(1-Day), 5.31%(5-Day)
FY2025Q1 (2025-04-30,After Hours):
EPS: 1.66 (Actual) vs.1.68 (Estimate) (-1.19%)
Revenue: 3.40B (Actual) vs. 4.27B (Estimate) (-20.39%)
Price Reaction: -4.75%(1-Day), -2.56%(5-Day)
Earnings Reaction
The chart below shows how AFL performed 10 days before and after its earnings report, based on data from the past quarters. Typically, AFL sees a -0.45% change in stock price 10 days leading up to the earnings, and a +1.55% change 10 days following the report. On the earnings day itself, the stock moves by +0.31%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in SEP/2025, the stock changed 2.23% on the day following the earnings release and then changed by 2.71% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.
Transcript Summary
Aflac Inc (AFL) Q3 2025 Earnings Call Summary
Positive
2025-11-05
The earnings call reflects strong performance with record sales in Japan and growth in the U.S., despite some pressure on individual products. Optimistic guidance, strategic capital deployment, and increased shareholder returns are positive indicators. However, vague responses on long-term growth targets and potential risks in U.S. sales slightly temper the outlook. Overall, the strong performance and strategic initiatives suggest a positive stock price movement in the near term.
Aflac Inc (AFL) Q2 2025 Earnings Call Summary
Positive
2025-08-06
The earnings call reveals strong performance in Japan, particularly in cancer insurance sales and new product launches. The company maintains a robust capital deployment strategy with share buybacks and dividend growth, indicating shareholder return focus. Despite weaker U.S. sales, a stronger second half is anticipated. Expense management and digital transformation efforts in Japan are positive indicators. While some areas lack clarity, overall sentiment is positive, especially with optimistic guidance and strategic plans for growth.
Aflac Inc (AFL) Q1 2025 Earnings Call Summary
Neutral
2025-05-01
The earnings call presents a mixed picture: strong capital ratios and strategic product launches are positive, but financial metrics like net investment income and pretax margins show declines. The Q&A reveals concerns about competition and unclear management responses. Guidance is stable, but with weak financial performance and mixed outlooks, the short-term impact is likely neutral.
Aflac Inc (AFL) Q4 2024 Earnings Call Summary
Positive
2025-02-06
The earnings call summary and Q&A indicate a generally positive outlook. Aflac showed strong financial performance with significant EPS growth and a record pretax profit margin in Japan. The company maintained strong dividend growth and share repurchases, which are positive for shareholder returns. Despite some concerns about the competitive environment and expense ratios, management's optimism about sales recovery and new product launches in Japan supports a positive sentiment. The guidance adjustments are not overly negative, and the company's financial health remains robust, suggesting a positive stock price movement.
Aflac Incorporated (AFL) Q3 2024 Earnings Call Summary
Positive
2024-10-31
The earnings call summary indicates positive financial performance with growth in U.S. sales and strong pre-tax margins. The Q&A highlights strategic initiatives like leveraging the 50th anniversary for cancer insurance sales and capital allocation focus. Despite some concerns about competition and vague responses, the overall sentiment is positive, supported by share repurchases and dividend payments. The optimistic guidance and strategic focus on growth and profitability suggest a likely positive stock price movement in the short term.
Aflac Incorporated (AFL) Q2 2024 Earnings Call Summary
Positive
2024-08-01
Financial performance is strong with a 15.8% increase in adjusted earnings per share, favorable expense management, and strong pre-tax margins in Japan. Persistency rates in the US show improvement, and a record share repurchase and dividend increase highlight strong shareholder returns. Despite some concerns about expense sustainability and management's reluctance to provide specific guidance, the overall sentiment remains positive due to strong financial metrics and optimistic guidance.
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FAQ
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How does AFL’s stock price correlate with earnings forecast revisions?
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