Aflac

Financials Life & Health Insurance Columbus, Georgia Last filing Feb 25, 2026 · FY2025

                    Revenue
                    FY2025
                
$17.2B
                    3y CAGR -3.6%
                    
                    P7
                    
                    -9.3%
                    
                    Net income
                    FY2025
                
$3.6B
                    Net margin +21.2%
                    
                    P54
                    
                    -33.0%
                    
                    Total assets
                    FY2025
                
$116.5B
                    ROA +3.1%
                    
                    P55
                    
                    -0.9%
                    
                    Operating cash flow
                    FY2025
                
$2.6B
                    
                    -5.6%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 3 years

Total assets $116.5B

Total liabilities $87.0B

Shareholders equity $29.5B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	5.4%	5.3%	3.4%
Short Term Investments	0.0%	0.0%	0.0%
Other Current Assets	1.5%	1.6%	1.6%
Property,Plant and Equipment	0.3%	0.3%	0.4%
Other Noncurrent Assets	1.5%	1.6%	1.6%
Total Assets	100.0%	100.0%	100.0%
Liabilities
Operating Lease Liabilities	0.1%	0.1%	0.1%
Other Current Liabilities	3.1%	3.3%	3.3%
Total Current Liabilities	74.7%	77.8%	82.7%
Operating Lease Liabilities Noncurrent	0.1%	0.1%	0.1%
Other Noncurrent Liabilities	3.1%	3.3%	3.3%
Total Liabilities	74.7%	77.8%	82.7%
Equity
Common Stock	0.1%	0.1%	0.1%
Additional Paid In Capital	2.6%	2.5%	2.2%
Retained Earnings	46.9%	44.5%	37.9%
Treasury Stock	25.6%	22.3%	18.5%
Accumulated Other Comprehensive Income	-4.2%	-4.3%	-4.4%
Total Stockholders Equity	25.3%	22.2%	17.3%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

14 accounts · 3 years

Revenue $17.2B

Operating income Not reported

Net income $3.6B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	14.7%	16.1%	14.8%
Expenses Selling,General and Administrative	2.8%	2.6%	2.5%
Expenses Depreciation and Amortization	0.0%	0.0%	0.0%
Expenses Operating Expenses	4.6%	4.3%	4.1%
Other Income Expense Interest Expense	0.2%	0.2%	0.2%
Other Income Expense Other Income/expense	-0.5%	1.1%	0.0%
Other Income Expense Income Before Tax	3.9%	5.5%	4.2%
Income Tax Income Tax Expense	0.8%	0.8%	0.5%
net Income net Income	3.1%	4.6%	3.7%
net Income Comprehensive Income	6.9%	6.8%	4.4%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.5%	0.5%	0.5%
Earnings Per Share Weighted Average Shares Diluted	0.5%	0.5%	0.5%

Cash Flow Statement

Operating, investing, and financing flows

17 accounts · 3 years

Operating cash flow $2.6B

Investing cash flow $1.6B

Financing cash flow $-4.1B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	3.1%	4.6%	3.7%
Operating Activities Depreciation and Amortization	0.0%	0.0%	0.0%
Operating Activities Deferred Income Taxes	-0.2%	-0.3%	-0.8%
Operating Activities net Cash From Operating Activities	2.2%	2.3%	2.5%
Investing Activities Purchases of Investments	10.1%	4.7%	2.2%
Investing Activities Proceeds From Sale of Investments	9.5%	6.1%	3.0%
Investing Activities Other Investing Activities	0.3%	-0.1%	0.1%
Investing Activities net Cash From Investing Activities	1.3%	2.4%	0.6%
Financing Activities Repurchase of Common Stock	3.0%	2.4%	2.2%
Financing Activities Dividends Paid	1.0%	0.9%	0.8%
Financing Activities Proceeds From Stock Issuance	0.0%	0.0%	0.0%
Financing Activities Other Financing Activities	-0.0%	-0.0%	-0.0%
Financing Activities net Cash From Financing Activities	-3.5%	-3.0%	-2.9%
Cash Reconciliation Effect of Exchange Rate On Cash	5.4%	5.3%	3.4%
Cash Reconciliation net Change In Cash	0.0%	1.6%	0.3%
Cash Reconciliation Cash At Beginning of Period	5.4%	5.3%	3.4%
Cash Reconciliation Cash At End of Period	5.4%	5.3%	3.4%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	—	—	—
Net margin	+21.2%	+28.8%	+24.9%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	-3.6%	-4.2%	-5.5%
Returns
ROE	+12.4%	+20.9%	+21.2%
ROA	+3.1%	+4.6%	+3.7%
ROIC	—	—	—
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	2.95x	3.50x	4.76x
Interest coverage	—	—	—
Efficiency
Asset turnover	0.15x	0.16x	0.15x
Cash conversion cycle	—	—	—

Valuation

Price against fundamentals

FY2025 fundamentals · no price

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Aflac

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