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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Tom Gallagher | Evercore ISI | 14 questions · 29% challenging |
| Suneet Kamath | Jefferies | 12 questions · 58% challenging |
| Jack Matten | BMO Capital Markets | 12 questions · 8% challenging |
| Wilma Burdis | Raymond James | 11 questions · 0% challenging |
| Ryan Krueger | KBW | 10 questions · 0% challenging |
| Joel Hurwitz | Dowling & Partners | 10 questions · 40% challenging |
| Wes Carmichael | Wells Fargo | 10 questions · 0% challenging |
| John Barnidge | Piper Sandler | 9 questions · 0% challenging |
| Jimmy Bhullar | JPMorgan | 8 questions · 63% challenging |
| Alex Scott | Barclays | 7 questions · 14% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 3 analysts | 15 questions · 0% challenging |
| Evercore ISI | 1 analyst | 14 questions · 29% challenging |
| Jefferies | 1 analyst | 12 questions · 58% challenging |
| JPMorgan | 2 analysts | 12 questions · 42% challenging |
| BMO Capital Markets | 1 analyst | 12 questions · 8% challenging |
| Raymond James | 1 analyst | 11 questions · 0% challenging |
| KBW | 1 analyst | 10 questions · 0% challenging |
| Dowling & Partners | 1 analyst | 10 questions · 40% challenging |
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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 |
Calendar quarter Q1 2026Earnings call Apr 30, 2026
FY2026 Q1 in brief
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.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
Sources. Tellvest earnings-call sentiment score for Aflac (AFL), FY2026 Q1: 6/10. Scores: Aflac’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: AFL daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $5.50B | +42.5% | $3.42 | +643.5% | 38.8% | 34.6% |
| FY2025 Q1 | $3.45B | -36.5% | $0.05 | -98.4% | 4.2% | 0.8% |
| FY2025 Q2 | $4.22B | -18.2% | $1.11 | -64.2% | 19.5% | 14.2% |
| FY2025 Q3 | $4.79B | +57.9% | $3.08 | +1911.8% | 41.6% | 34.2% |
| FY2025 Q4 | $4.90B | -10.9% | $2.59 | -24.3% | 32.7% | 28.2% |
| FY2026 Q1Selected | $4.32B | +25.0% | $1.98 | +3635.8% | 28.4% | 23.6% |
| FY2026 Q2 | $4.08B | -3.2% | $1.63 | +46.8% | 24.4% | 20.2% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
What AFL and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“we've definitely seen an uptick in activity with Aflac and Prudential doing some deals.”
An analyst noted increased deal activity by Aflac in the Japanese insurance market, where it competes with Apollo/Athene.
GAAP revenue YoY +25.0% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
“Effective March 31, Aflac Re Bermuda entered into a transaction in which it assumed a block of whole life annuities from Japan Post Insurance.”
Aflac assumed a block of whole life annuities from Japan Post Insurance, its largest partner, marking a milestone in expanding its third-party reinsurance franchise in Japan.
| 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% |