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Aflac AFL Disability — Effect of changes in discount rate assumptions

Other product segments

Medical and other health
-$1.4B-238%
Critical care
-$360M+7.5%
Life insurance
-$345M-321%
Accident
-$148M+7.5%
Hospital indemnity
-$75M+12.8%
Other
-$21M-262%
Dental/vision
-$9M+18.2%

Similar metrics at other companies

Unum logo
UNMIndividual Disability — Effect of change in discount rate assumptions
-$11.3M+24.2%
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Policy Benefit Period Increase Decrease Effect Discount Rate Assumption Change
-$86.6M—
Principal Financial Group logo
PFGIndividual Disability — Liability For Future Policy Benefit Expected Future Benefit Original Discount Rate Before Reinsurance After Cash Flow Change
596,060,000,000%+11,870,000,000pp
Unum logo
UNMIndividual Disability — Current discount rate
5.2%+0.1pp
Globe Life logo
GLOther — Effect of change from original to current discount rates
$8.79M-36.5%
MetLife logo
METGroup Long-Term Disability — Short-Duration Contract, Discounted Liability, Discount Rate
8%0.0pp

Other financials

Income statement

See full
Revenue$4.3B+27.9%
Net income$1.0B+3,414%
EPS (diluted)$1.98+3,860%

Balance sheet

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Cash & equivalents$5.7B+8.1%
Total debt$8.0B+1.8%
Total equity$30.0B+13.8%
Total assets$116.28B-3.3%

Cash flow

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Operating cash flow$968.0M+64.3%

Valuation

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Market cap$58.77B-6.9%
Enterprise value$61.11B-7.0%
P/E12.7×-4.9×
P/S3.2×-0.5×

Profitability

See full
Net margin25.6%+4.3pp

Returns & leverage

See full
Return on equity16.5%+2.1pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Aflac in its filing.

Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax.

The official record: Aflac’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Aflac's disability — effect of changes in discount rate assumptions?
Aflac (AFL) reported disability — effect of changes in discount rate assumptions of -$62M in Q1 2026.
How has Aflac's disability — effect of changes in discount rate assumptions changed year-over-year?
Aflac's disability — effect of changes in discount rate assumptions increased by 13.9% year-over-year, from -$72M to -$62M.
What is the long-term trend for Aflac's disability — effect of changes in discount rate assumptions?
Over 2 years (2023 to 2025), Aflac's disability — effect of changes in discount rate assumptions has grown at a -33.5% compound annual growth rate (CAGR), from -$489M to -$216M.
What does disability — effect of changes in discount rate assumptions mean?
The change in disability reserve values caused by updating the interest rate used for discounting future claims.
How do you interpret disability — effect of changes in discount rate assumptions?
An increase in the liability due to lower discount rates suggests higher future costs or a more conservative valuation approach.
How does disability — effect of changes in discount rate assumptions compare across companies?
Standard under LDTI accounting; peers report this as discount rate sensitivity adjustments.