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Aflac AFL Q4 2025 Annual earnings

Reported February 4, 2026 · After market close

Revenue$4.9BBeat by $615.8M
EPS$1.57Miss by $0.12
Revenue estimate$4.3B
EPS estimate$1.69

Next report

Nov 4, 2026 (in a month)
Revenue estimate$4.1B
EPS estimate$1.81

Financials

Q4 2025

Income statement

See full
Revenue$4.9B-9.9%
Net income$1.4B-27.5%
EPS (diluted)$2.61-23.2%

Balance sheet

See full
Cash & equivalents$6.2B+0.3%
Total debt$8.5B+11.8%
Total equity$29.5B+13.0%
Total assets$116.47B-0.9%

Cash flow

See full
Operating cash flow$315.0M-5.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$57.79B+0.6%
Enterprise value$60.04B+2.1%
P/E15.9×+5.3×
P/S3.4×+0.3×

Profitability

See full
Net margin21.2%-7.5pp

Returns & leverage

See full
Return on equity13.1%-9.5pp
Debt / equity0.3×0.0×

Segments

By segment

See full
Aflac Japan$2.3B-3.6%
Corporate and other$272.0M-4.2%

FAQ

When did Aflac report Q4 2025 earnings?
Aflac (AFL) reported Q4 2025 earnings on February 4, 2026 after market close.
What were Aflac's Q4 2025 revenue and EPS?
Aflac reported revenue of $4.9B and eps of $1.57 for Q4 2025.
Did Aflac beat estimates in Q4 2025?
Revenue beat the consensus estimate of $4.3B by $615.8M. EPS missed the consensus estimate of $1.69 by $0.12.
How did Aflac's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.5% from $5.5B a year earlier and eps grew 0.6% from $1.56.
Where can I find Aflac's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-005458) and the 10-K periodic report (0001628280-26-011402) directly on SEC EDGAR. The filing index links above go to sec.gov.