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Dec 31, 2025
Aflac Q4 2025 Earnings Report
Aflac reported its fourth quarter results, with total revenues of $4.9 billion and net earnings of $1.4 billion, or $2.64 per diluted share.
Key Takeaways
Aflac Incorporated delivered solid earnings in the fourth quarter of 2025, with total revenues reaching $4.9 billion and net earnings at $1.4 billion. Adjusted earnings per diluted share saw a slight increase of 0.6% to $1.57. The company also reported strong sales growth in Aflac Japan, driven by its new cancer insurance product, and an increase in net earned premiums for Aflac U.S. Capital deployment included $800 million in share repurchases, and the board declared a 5.2% increase in the first quarter dividend.
Total revenues for Q4 2025 were $4.9 billion, a decrease from $5.4 billion in Q4 2024.
Net earnings for Q4 2025 were $1.4 billion, or $2.64 per diluted share, down from $1.9 billion, or $3.42 per diluted share, in Q4 2024.
Adjusted earnings per diluted share increased by 0.6% to $1.57 in Q4 2025.
Aflac Japan's new annualized premium sales increased by 15.7% in yen terms, and Aflac U.S. sales increased by 3.1%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Aflac is committed to its strategy of creating long-term shareholder value, focusing on sales growth in Japan and profitable growth in the U.S., while maintaining strong capital management and a commitment to increasing dividends.
Positive Outlook
- Continued strong sales performance in Aflac Japan, particularly with the Miraito cancer insurance product.
- Introduction of new products like Anshin Palette in Japan to attract new and younger customers.
- Focus on more profitable growth in Aflac U.S. through strong underwriting discipline and improved agent productivity.
- Commitment to generating strong capital and cash flows, supporting prudent liquidity and capital management.
- Intention to extend the record of consecutive dividend increases, supported by financial strength and a recent 5.2% dividend increase.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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