AFLAC INC

AFL · CIK 0000004977Insurance lens →

19 fiscal years · 0 SEC filings · every number carries its receipt

Revenue (FY)

$17.16B9.3%

FY2025

Net income (FY)

$3.65B33.0%

FY2025

Diluted EPS (FY)

$6.8229.2%

FY2025

The story, charted

The shape of the business

FY2007–FY2025 · hover any year for its receipt

Revenue & net incomeRevenueNet income

revenue 1.1× since FY2007 · net margin 7.6% → 21.2%

MarginsNet marginFCF margin

FY2025: net 21.2% of revenue

Cash engineOperating cash flowFree cash flow

Returns on capitalReturn on equityReturn on assets

return on equity 19% (FY2008) → 12% (FY2025) · on assets 3.1%

Balance sheetLiabilitiesEquity

FY2025: $116.47B assets · $86.98B liabilities · $29.49B equity

The receipts

Insurance lens

Specialized rows for insurer companies — not in the generic statement table above.

USD millions (ratios as %)	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014
Premiums earned	13,548	13,440	14,123	14,901	17,095	18,622	18,780	18,677	18,531	19,225	17,570	19,072
Policyholder benefits & claims	7,293	7,450	8,211	8,887	10,476	11,796	11,942	12,000	12,181	12,919	11,746	12,937
Loss ratio	53.8%	55.4%	58.1%	59.6%	61.3%	63.3%	63.6%	64.3%	65.7%	67.2%	66.9%	67.8%

Premiums earned and policyholder benefits & claims are as-reported XBRL components — absent (not zero) for insurance brokers such as Aon and Marsh McLennan, which earn fees and commissions rather than underwriting premiums, so these rows are correctly blank for them. The loss ratio (policyholder benefits ÷ premiums earned) is computed by stonks for full fiscal years only.