Aflac Incorporated Reports Strong Third Quarter Earnings with $1.6 Billion Net Profit and Dividend Announcement
On November 4, 2025, Aflac Incorporated (NYSE: AFL) released its financial results for the third quarter of the year, marking a substantial recovery from the previous year's performance. The company reported total revenues of $4.7 billion, a significant increase from $2.9 billion in the same quarter of 2024. This impressive growth was driven primarily by net investment gains of $275 million, contrasting sharply with the net investment losses of $1.4 billion suffered during the third quarter of the prior year.
Net earnings for this quarter stood at $1.6 billion, equating to $3.08 per diluted share, a remarkable turnaround from the net loss of $93 million or $0.17 per diluted share recorded a year earlier. This growth in earnings can be attributed to a variety of factors, including favorable derivative gains and improvements in foreign currency activities, which altogether contributed to net gains of $285 million.
Adjusted earnings, indicative of the company’s ongoing operational performance, also showed a positive trend. They reached $1.3 billion in the third quarter, reflecting a 9.6% increase from $1.2 billion in the same period of 2024. When considering adjusted earnings per diluted share, Aflac reported a growth of 15.3%, arriving at $2.49 for this quarter.
Throughout the financial reporting, Aflac’s international segments were highlighted as key contributors to this success. Particularly, Aflac Japan experienced a slight decline in net earned premiums, down 4.0% year-on-year to ¥245.2 billion, yet adjusted net investment income remained flat, indicating stability despite changes in market demands. In terms of American operations, Aflac U.S. recorded a modest net earned premium growth of 2.5% to $1.5 billion, benefiting from enhanced sales of group life and disability insurance products.
The third quarter also saw a strong increase in new annualized premium sales, particularly for the new cancer insurance product, Miraito, which saw a remarkable 11.8% uptick, underscoring the company's commitment to innovation within its product offerings.
Shareholders at Aflac will also benefit from the company's financial recuperation, as the Board of Directors declared a fourth quarter dividend of $0.58 per common share, payable on December 1, 2025, to shareholders recorded as of November 19, 2025. This dividend continuation emphasizes Aflac's consistent dedication to returning value to its shareholders, being a hallmark of the company as it celebrates 43 consecutive years of dividend increases.
Looking ahead, Aflac’s leadership expressed confidence in the company’s ability to sustain growth and profitability. CEO Daniel P. Amos noted that the positive results reflect the strategic efforts in enhancing operational efficiency and maintaining robust capital management. The company's ability to provide consistent value to stakeholders while adapting to market challenges remains a focal point as Aflac looks to future opportunities for expansion and customer service enhancements.
In conclusion, Aflac Incorporated’s third quarter financial results paint a promising picture of the company’s recovery and future potential. With strong earnings, an ongoing commitment to investor returns, and effective management of investments, Aflac is well-positioned to navigate the evolving insurance landscape while delivering on its promise to provide financial security to its policyholders.
Net earnings for this quarter stood at $1.6 billion, equating to $3.08 per diluted share, a remarkable turnaround from the net loss of $93 million or $0.17 per diluted share recorded a year earlier. This growth in earnings can be attributed to a variety of factors, including favorable derivative gains and improvements in foreign currency activities, which altogether contributed to net gains of $285 million.
Adjusted earnings, indicative of the company’s ongoing operational performance, also showed a positive trend. They reached $1.3 billion in the third quarter, reflecting a 9.6% increase from $1.2 billion in the same period of 2024. When considering adjusted earnings per diluted share, Aflac reported a growth of 15.3%, arriving at $2.49 for this quarter.
Throughout the financial reporting, Aflac’s international segments were highlighted as key contributors to this success. Particularly, Aflac Japan experienced a slight decline in net earned premiums, down 4.0% year-on-year to ¥245.2 billion, yet adjusted net investment income remained flat, indicating stability despite changes in market demands. In terms of American operations, Aflac U.S. recorded a modest net earned premium growth of 2.5% to $1.5 billion, benefiting from enhanced sales of group life and disability insurance products.
The third quarter also saw a strong increase in new annualized premium sales, particularly for the new cancer insurance product, Miraito, which saw a remarkable 11.8% uptick, underscoring the company's commitment to innovation within its product offerings.
Shareholders at Aflac will also benefit from the company's financial recuperation, as the Board of Directors declared a fourth quarter dividend of $0.58 per common share, payable on December 1, 2025, to shareholders recorded as of November 19, 2025. This dividend continuation emphasizes Aflac's consistent dedication to returning value to its shareholders, being a hallmark of the company as it celebrates 43 consecutive years of dividend increases.
Looking ahead, Aflac’s leadership expressed confidence in the company’s ability to sustain growth and profitability. CEO Daniel P. Amos noted that the positive results reflect the strategic efforts in enhancing operational efficiency and maintaining robust capital management. The company's ability to provide consistent value to stakeholders while adapting to market challenges remains a focal point as Aflac looks to future opportunities for expansion and customer service enhancements.
In conclusion, Aflac Incorporated’s third quarter financial results paint a promising picture of the company’s recovery and future potential. With strong earnings, an ongoing commitment to investor returns, and effective management of investments, Aflac is well-positioned to navigate the evolving insurance landscape while delivering on its promise to provide financial security to its policyholders.
Topics Financial Services & Investing）
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