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Sentiment · FY2026 Q2
| 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 Q1 | $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).
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Tom Gallagher | Evercore ISI | 14 (29%) |
| Suneet Kamath | Jefferies | 12 (58%) |
| Jack Matten | BMO Capital Markets | 12 (8%) |
| Wilma Burdis | Raymond James | 11 (0%) |
| Ryan Krueger | KBW | 10 (0%) |
| Joel Hurwitz | Dowling & Partners | 10 (40%) |
| Wes Carmichael | Wells Fargo | 10 (0%) |
| John Barnidge | Piper Sandler | 9 (0%) |
| Jimmy Bhullar | JPMorgan | 8 (63%) |
| Alex Scott | Barclays | 7 (14%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 3 | 15 (0%) |
| Evercore ISI | 1 | 14 (29%) |
| Jefferies | 1 | 12 (58%) |
| JPMorgan | 2 |
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 |
| 12 (42%) |
| BMO Capital Markets | 1 | 12 (8%) |
| Raymond James | 1 | 11 (0%) |
| KBW | 1 | 10 (0%) |
| Dowling & Partners | 1 | 10 (40%) |
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.
“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% |