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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Tom Gallagher | Evercore ISI | 12 | 25% |
| Suneet Kamath | Jefferies | 10 | 60% |
| Jack Matten | BMO Capital Markets | 10 | 0% |
| John Barnidge | Piper Sandler | 9 | 0% |
| Wilma Burdis | Raymond James | 9 | 0% |
| Wes Carmichael | Wells Fargo | 8 | 0% |
| Jim Bhullar | JPMorgan | 8 | 63% |
| Joel Hurwitz | Dowling & Partners | 8 | 38% |
| Ryan Krueger | KBW | 8 | 0% |
| Alex Scott | Barclays | 7 | 14% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Wells Fargo | 3 | 13 | 0% |
| Evercore ISI | 1 | 12 | 25% |
| BMO Capital Markets | 2 | 12 | 0% |
| Jefferies | 1 |
| 10 |
| 60% |
| JPMorgan | 2 | 10 | 50% |
| Piper Sandler | 1 | 9 | 0% |
| Raymond James | 1 | 9 | 0% |
| KBW | 1 | 8 | 0% |
Aflac delivered adjusted EPS growth of 6.6% ex-FX to $1.77 as Japan sales surged 25.5% driven by new product momentum and cancer insurance demand, while U.S. group business accelerated. Japan earned premium continued its structural decline despite the strong sales trajectory, reflecting the ongoing book transition. The company maintained its Japan benefit ratio outlook of 60-63% and continued strong capital returns to shareholders.
Demand | Product Launch | Margin | Capital Allocation | Competitive Dynamics | Regulation Policy | Macroeconomic | FX | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 7 | 6 | 5 | 3 | 5 | 3 | 4 | 1 |
| 2025Q1 | 7 | 4 | 2 | 5 | 3 | 3 | 5 | |
| 2025Q2 | 8 | 4 | 3 | 3 | 1 | 3 | 2 | |
| 2025Q3 | 7 | 5 | 4 | 3 | 3 | 1 | 1 | |
| 2025Q4 | 6 | 2 | 4 | 3 | 1 | 2 | 2 | |
| 2026Q1 | 1 | 2 | 4 | 3 | 3 | 2 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Demand | 7 | 7 | 8 | 7 | 6 | 1 |
| Product Launch | 6 | 4 | 4 | 5 | 2 | 2 |
| Margin | 5 | 2 | 3 | 4 | 4 | 4 |
| Capital Allocation | 3 | 5 | 3 | 3 | 3 | 3 |
| Competitive Dynamics | 5 | 3 | 1 | 3 | 1 | 3 |
| Regulation Policy | 3 | 3 | 3 | 2 | 2 | |
| Macroeconomic | 4 | 2 | 1 | 2 | 2 | |
| FX | 1 | 5 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
AFL Aflac | 6 | +25.0% | |
| GL Globe Life | 8 | +5.3% | |
| MET MetLife | 7 | +4.4% | |
| PRU Prudential Financial | 7 | +6.3% |