AFL · Aflac Inc
$128.67
-0.88 (-0.68%)
At close · Jul 29
Market Cap
$65.49B
Shares
508.98M
Aflac Inc Earnings Call Transcripts
Every quarterly earnings call for Aflac Inc (AFL) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▼19.2%
$3.95B
$196.00M
'22 Q4
23-02-01
▼7.2%
$4.80B
$1.19B
'23 Q1
23-04-27
▼2.7%
$5.17B
$1.63B
'23 Q2
23-08-01
▲5.2%
$4.95B
$1.57B
'23 Q3
23-11-01
▼4.3%
$3.78B
$268.00M
'23 Q4
24-01-31
▲13.2%
$5.44B
$1.88B
'24 Q1
24-05-01
▼0.7%
$5.14B
$1.75B
'24 Q2
24-07-31
▼40.4%
$2.95B
−$93.00M
'24 Q3
24-10-30
▲43.1%
$5.40B
$1.90B
'24 Q4
25-02-05
▼37.5%
$3.40B
$29.00M
'25 Q1
25-04-30
▼19%
$4.16B
$599.00M
'25 Q2
25-08-05
▲60.7%
$4.74B
$1.64B
'25 Q3
25-11-04
▼10%
$4.87B
$1.38B
'25 Q4
26-02-04
LATEST
▲27.9%
$4.35B
$1.02B
'26 Q1
26-04-29
Earnings call
FY26 · Q3
2026-11-05
Third quarter teleconference (webcast event)
Scheduled
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q2
2026-08-07
Second quarter teleconference (webcast event)
Scheduled
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-29
Aflac Inc Q1 FY2026 Earnings Call
Confident tone
Benefit ratio and claims experience
Persistency and lapse trends
External reinsurance strategy
Revenue
$4.35B
▲ 27.9% YoY Diluted EPS
$1.98
▲ 3860% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-02-05
Year-end teleconference (webcast event)
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY25 · Q4
2026-02-04
Aflac Inc Q4 FY2025 Earnings Call
Confident tone
Japan Earned Premium and Persistency
Benefit Ratio and Underwriting Experience
U.S. Sales and Premium Growth
Revenue
$4.87B*
▼ 10% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-11-04
Aflac Inc Q3 FY2025 Earnings Call
Confident tone
Japan benefit ratio and experience trends
Investment portfolio and private credit
Japan sales momentum and product strategy
Revenue
$4.74B
▲ 60.7% YoY Diluted EPS
$3.08
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-08-05
Aflac Inc Q2 FY2025 Earnings Call
Confident tone
Aflac Japan sales growth
Aflac U.S. performance
Capital deployment and shareholder returns
Revenue
$4.16B
▼ 19% YoY Diluted EPS
$1.11
▼ 64.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-30
Aflac Inc Q1 FY2025 Earnings Call
Positive tone
Japan sales and product strategy
Reinsurance and capital management
FX and yen impact
Revenue
$3.40B
▼ 37.5% YoY Diluted EPS
$0.05
▼ 98.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-02-05
Aflac Inc Q4 FY2024 Earnings Call
Confident tone
Japan segment performance and sales
Distribution and agent expansion in Japan
Investment portfolio and commercial real estate
Revenue
$5.40B*
▲ 43.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-30
Aflac Inc Q3 FY2024 Earnings Call
Confident tone
Japan sales growth and Tsumitasu product
Leadership succession and promotions
Capital deployment and shareholder returns
Revenue
$2.95B
▼ 40.4% YoY Diluted EPS
$-0.17
▼ 106.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-31
Aflac Inc Q2 FY2024 Earnings Call
Confident tone
Japan sales and product strategy
US persistency initiatives
Foreign exchange and yen
Revenue
$5.14B
▼ 0.7% YoY Diluted EPS
$3.10
▲ 14.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-05-01
Aflac Inc Q1 FY2024 Earnings Call
Positive tone
Japan sales and distribution channels
Capital, liquidity, and shareholder returns
U.S. profitable growth and persistency
Revenue
$5.44B
▲ 13.2% YoY Diluted EPS
$3.25
▲ 67.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-31
Aflac Inc Q4 FY2023 Earnings Call
Confident tone
Japan sales strategy and product lineup
U.S. sales, persistency and expense ratio
Japan financial performance and profit margin
Revenue
$3.78B
▼ 4.3% YoY Diluted EPS
$0.46
▲ 48.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-11-01
Aflac Inc Q3 FY2023 Earnings Call
Revenue
$4.95B
▲ 5.2% YoY Diluted EPS
$2.64
▼ 6.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-01
Aflac Inc Q2 FY2023 Earnings Call
Revenue
$5.17B
▼ 2.7% YoY Diluted EPS
$2.71
▲ 24.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Aflac Inc Q1 FY2023 Earnings Call
Revenue
$4.80B
▼ 7.2% YoY Diluted EPS
$1.94
▲ 21.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-02-01
Aflac Inc Q4 FY2022 Earnings Call
Revenue
$3.95B
▼ 19.2% YoY Diluted EPS
$0.31
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-31
Aflac Inc Q3 FY2022 Earnings Call
Revenue
$4.70B
▼ 10.2% YoY Diluted EPS
$2.82
▲ 113.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-08-01
Aflac Inc Q2 FY2022 Earnings Call
Revenue
$5.32B
▼ 4.5% YoY Diluted EPS
$2.17
▲ 34% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-27
Aflac Inc Q1 FY2022 Earnings Call
Revenue
$5.17B
▼ 11.9% YoY Diluted EPS
$1.60
▼ 14.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-02-02
Aflac Inc Q4 FY2021 Earnings Call
Revenue
$4.88B*
▼ 17.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-27
Aflac Inc Q3 FY2021 Earnings Call
Revenue
$5.24B
▼ 7.6% YoY Diluted EPS
$1.32
▼ 61.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-28
Aflac Inc Q2 FY2021 Earnings Call
Revenue
$5.56B
▲ 2.9% YoY Diluted EPS
$1.62
▲ 44.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-28
Aflac Inc Q1 FY2021 Earnings Call
Revenue
$5.87B
▲ 13.7% YoY Diluted EPS
$1.87
▲ 139.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-02-03
Aflac Inc Q4 FY2020 Earnings Call
Revenue
$5.91B
▲ 5.5% YoY Diluted EPS
$1.35
▲ 27.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-27
Aflac Inc Q3 FY2020 Earnings Call
Revenue
$5.67B
▲ 2.3% YoY Diluted EPS
$3.44
▲ 230.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-28
Aflac Inc Q2 FY2020 Earnings Call
Revenue
$5.41B
▼ 1.9% YoY Diluted EPS
$1.12
▲ 2.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-29
Aflac Inc Q1 FY2020 Earnings Call
Revenue
$5.16B
▼ 8.8% YoY Diluted EPS
$0.78
▼ 36.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-02-04
Aflac Inc Q4 FY2019 Earnings Call
Revenue
$5.60B
▲ 9.3% YoY Diluted EPS
$1.06
▲ 53.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–29 of 29 earnings calls
Key facts
CIK
4977
CUSIP
001055102
13F (30d)
721 filings
693 filers
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