AFL
AFLAC INC
Overview
Aflac provides supplemental health and life insurance products to millions of policyholders in Japan and the United States. The company's core offerings include cancer, medical, accident, disability, critical illness, and life insurance policies designed to cover out-of-pocket costs not reimbursed by primary insurance.
AFLAC INC is a Financial Services company operating in Insurance - Life with a $58.77B market cap.
Most recent reported earnings: Q2 FY2026 (Aug 3, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-3021 Q&A exchanges
- Q4 FY2025Earnings2026-02-0515 Q&A exchanges
- Q3 FY2025Earnings2025-11-0521 Q&A exchanges
- Q2 FY2025Earnings2025-08-0622 Q&A exchanges
- Q1 FY2025Earnings2025-05-0123 Q&A exchanges
- Q4 FY2024Earnings2025-02-0634 Q&A exchanges
- Q3 FY2024Earnings2024-10-3115 Q&A exchanges
- Q2 FY2024Earnings2024-08-0114 Q&A exchanges
- Q1 FY2024Earnings2024-05-0215 Q&A exchanges
- Q4 FY2023Earnings2024-02-0123 Q&A exchanges
- Q3 FY2023Earnings2023-11-0228 Q&A exchanges
- Q2 FY2023Earnings2023-08-0217 Q&A exchanges
- Q1 FY2023Earnings2023-04-2731 Q&A exchanges
- Q4 FY2022Earnings2023-02-0215 Q&A exchanges
- Q3 FY2022Earnings2022-11-0121 Q&A exchanges
- Q2 FY2022Earnings2022-08-0216 Q&A exchanges
- Q1 FY2022Earnings2022-04-2824 Q&A exchanges
- Q4 FY2021Earnings2022-02-038 Q&A exchanges
- Q3 FY2021Earnings2021-10-2816 Q&A exchanges
- Q2 FY2021Earnings2021-07-2919 Q&A exchanges
- Q1 FY2021Earnings2021-04-2915 Q&A exchanges
History
Earnings history
- Q2 FY20262026-08-03EPS— vs $1.78—Rev— vs ——EODHD
- Q1 FY20262026-04-27EPS$1.75 vs $1.82-3.9%Rev$4.32B vs ——EODHD
- Q4 FY20252026-02-03EPS$1.57 vs $1.70-7.6%Rev$4.90B vs ——EODHD
- Q3 FY20252025-11-03EPS$2.49 vs $1.74+43.1%Rev$4.79B vs ——EODHD
- Q2 FY20252025-08-04EPS$1.73 vs $1.71+1.2%Rev$4.22B vs ——EODHD
- Q1 FY20252025-04-29EPS$1.66 vs $1.67-0.6%Rev$3.45B vs ——EODHD
- Q4 FY20242025-02-04EPS$1.56 vs $1.62-3.7%Rev$5.50B vs ——EODHD
- Q3 FY20242024-10-29EPS$2.16 vs $1.68+28.6%Rev$3.04B vs ——EODHD
- Q2 FY20242024-07-30EPS$1.83 vs $1.60+14.4%Rev$5.16B vs ——EODHD
- Q1 FY20242024-04-30EPS$1.66 vs $1.58+5.1%Rev$5.44B vs ——EODHD
- Q4 FY20232024-01-30EPS$1.25 vs $1.45-13.8%Rev$3.86B vs ——EODHD
- Q3 FY20232023-10-31EPS$1.84 vs $1.49+23.5%Rev$5.03B vs ——EODHD
- Q2 FY20232023-07-31EPS$1.62 vs $1.44+12.5%Rev$5.17B vs ——EODHD
- Q1 FY20232023-04-25EPS$1.55 vs $1.40+10.7%Rev$4.83B vs ——EODHD
- Q4 FY20222023-01-31EPS$1.40 vs $1.21+15.7%Rev$4.01B vs ——EODHD
- Q3 FY20222022-10-30EPS$1.15 vs $1.21-5.0%Rev$4.82B vs ——EODHD
- Q2 FY20222022-07-31EPS$1.46 vs $1.28+14.1%Rev$5.40B vs ——EODHD
- Q1 FY20222022-04-26EPS$1.42 vs $1.37+3.6%Rev$5.27B vs ——EODHD
- Q4 FY20212022-02-01EPS$1.28 vs $1.27+0.8%Rev$5.39B vs ——EODHD
- Q3 FY20212021-10-26EPS$1.53 vs $1.32+15.9%Rev$5.24B vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-03 | — | $1.78 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-27 | $1.75 | $1.82 | -3.9% | $4.32B | — | — | EODHD |
| Q4 FY2025 | 2026-02-03 | $1.57 | $1.70 | -7.6% | $4.90B | — | — | EODHD |
| Q3 FY2025 | 2025-11-03 | $2.49 | $1.74 | +43.1% | $4.79B | — | — | EODHD |
| Q2 FY2025 | 2025-08-04 | $1.73 | $1.71 | +1.2% | $4.22B | — | — | EODHD |
| Q1 FY2025 | 2025-04-29 | $1.66 | $1.67 | -0.6% | $3.45B | — | — | EODHD |
| Q4 FY2024 | 2025-02-04 | $1.56 | $1.62 | -3.7% | $5.50B | — | — | EODHD |
| Q3 FY2024 | 2024-10-29 | $2.16 | $1.68 | +28.6% | $3.04B | — | — | EODHD |
| Q2 FY2024 | 2024-07-30 | $1.83 | $1.60 | +14.4% | $5.16B | — | — | EODHD |
| Q1 FY2024 | 2024-04-30 | $1.66 | $1.58 | +5.1% | $5.44B | — | — | EODHD |
| Q4 FY2023 | 2024-01-30 | $1.25 | $1.45 | -13.8% | $3.86B | — | — | EODHD |
| Q3 FY2023 | 2023-10-31 | $1.84 | $1.49 | +23.5% | $5.03B | — | — | EODHD |
| Q2 FY2023 | 2023-07-31 | $1.62 | $1.44 | +12.5% | $5.17B | — | — | EODHD |
| Q1 FY2023 | 2023-04-25 | $1.55 | $1.40 | +10.7% | $4.83B | — | — | EODHD |
| Q4 FY2022 | 2023-01-31 | $1.40 | $1.21 | +15.7% | $4.01B | — | — | EODHD |
| Q3 FY2022 | 2022-10-30 | $1.15 | $1.21 | -5.0% | $4.82B | — | — | EODHD |
| Q2 FY2022 | 2022-07-31 | $1.46 | $1.28 | +14.1% | $5.40B | — | — | EODHD |
| Q1 FY2022 | 2022-04-26 | $1.42 | $1.37 | +3.6% | $5.27B | — | — | EODHD |
| Q4 FY2021 | 2022-02-01 | $1.28 | $1.27 | +0.8% | $5.39B | — | — | EODHD |
| Q3 FY2021 | 2021-10-26 | $1.53 | $1.32 | +15.9% | $5.24B | — | — | EODHD |
Source: EODHD. AFL reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks AFL's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 80% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.57 | $1.76 | +45.9% | -2.7% | +0.2% |
| Q4 FY2026 | $2.39 | $1.73 | +38.2% | -0.1% | -2.5% |
| Q3 FY2026 | $2.73 | $2.03 | +34.7% | -8.3% | -9.8% |
| Q2 FY2026 | $2.56 | $1.89 | +35.2% | -0.6% | -0.5% |
| Q1 FY2025 | $2.82 | $1.90 | +48.5% | -6.9% | -6.6% |
| Q4 FY2025 | $2.76 | $1.87 | +47.6% | -6.8% | -8.3% |
| Q3 FY2025 | $2.60 | $1.90 | +37.0% | -5.9% | -6.2% |
| Q2 FY2025 | $2.73 | $1.95 | +39.9% | +1.5% | +3.6% |
| Q1 FY2024 | $2.92 | $1.99 | +46.5% | +0.9% | +2.5% |
| Q4 FY2024 | $3.15 | $2.18 | +44.4% | -6.7% | -5.4% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Daniel P AmosCEO4 mo20 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q3 FY2026
- Max BrodenCFO4 mo20 callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Steven Kent BeaverCFO4 mono recorded callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last guidance cut Q3 FY2026
- Virgil Raynard MillerPresident4 mo1 callCurrentSample
PRESIDENT since 2026 • 1/2 beats (50%) • last guidance cut Q3 FY2026
- Masatoshi KoidePres. and Rep. Director, ALIJ3 mo14 callsCurrentSample
OTHER since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Charles D Lake IIChairman & Rep. Director, ALIJ3 mo1 callCurrentSample
OTHER since 2026 • 1/2 beats (50%) • guidance suspended Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for AFL.
$ curl https://api.spokenalpha.com/v1/companies/AFLFAQ
Frequently asked about AFL
Where can I find AFLAC INC's (AFL) earnings call transcripts?
Spoken Alpha indexes AFL's earnings call transcripts at https://spokenalpha.com/companies/AFL. Each call links to attributed speakers and parsed analyst Q&A.
When was AFLAC INC's most recent earnings call?
AFLAC INC (AFL) held its most recent earnings call on 2026-04-30, covering fiscal Q1 2026.
What sector is AFL in?
AFLAC INC (AFL) operates in the Financial Services sector (Insurance - Life industry).