Aflac (AFL) Q3 2025 10-Q Quarterly Report
Aflac (AFL) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 5, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Aflac Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Operating cash flow $2.24B for nine months ended Sept 30, 2025 vs $2.37B for same period 2024, down 5.5%
- • Cash dividends $939M for nine months 2025 vs $851M for 2024; $0.58/share Q3 2025 dividend vs $0.50 Q3 2024, +16% declared for Q4 2025
- • Treasury stock repurchases $2.73B for nine months 2025 vs $2.05B for 2024; 26.15M shares repurchased vs 23.94M shares
- • Financing notes issued ¥150B in May and June 2025 at fixed rates between 1.726%-3.04%, matured ¥12.4B at 0.3% in Sept 2025
- • Liquidity robust with $1B senior note facilities established in Aug 2025, no notes issued yet; no material credit covenant breaches
Risk Factors
- • No newly added risk factor this quarter; risk disclosures align with previous 10-K filings
- • Updated credit risk with unrealized losses up to $3.25B on Japan National Government securities due to interest rate and currency shifts
- • Regulatory risk from investment grade downgrade of some securities to below-investment-grade, impacting credit portfolio management strategies
- • Market risk from exposure to below-investment-grade middle market loans totaling $3.96B, aimed at yield enhancement and diversification
- • Financial risk includes foreign currency exposure from $4.40B in reverse dual-currency securities with principal in yen and interest in dollars
Aflac Q3 2025 Quarterly FinancialsXBRL
Revenue
$4.7B
▲ +60.7% YoY▲ +13.9% QoQ
Net Income
$1.6B
▲ +1862.4% YoY▲ +173.6% QoQ
Net Margin
34.6%
▲ +3773bp YoY▲ +2018bp QoQ
ROE
5.7%
Total Assets
$122.3B
EPS (Diluted)
$3.05
▲ +2641.7% YoY▲ +174.8% QoQ
Operating Cash Flow
$1.3B
▼ -1.4% YoY▲ +213.8% QoQ
Source: XBRL data from Aflac Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
Other Aflac Quarterly Reports
Get deeper insights on Aflac
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.