---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-048906"
form_type: "8-K"
ticker: "AFL"
cik: "0000004977"
company_name: "AFLAC INC"
filed_at: "2025-11-04T23:59:59+00:00"
generated_at: "2026-05-17T00:45:35.291428+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Aflac Q3 adjusted EPS up 15.3% to $2.49; declares Q4 dividend $0.58, up 16% YoY

## Summary
- Net earnings $1.6B ($3.08 diluted) vs net loss $93M (-$0.17) YoY; adjusted EPS $2.49, +15.3%.
- Aflac Japan sales +11.8% to ¥19.6B; pretax adjusted profit margin 52.2% (vs 44.7%).
- Aflac U.S. net earned premiums +2.5% to $1.5B; pretax adjusted margin 21.7% (vs 20.8%).
- Q4 dividend $0.58/share (16% YoY increase), payable Dec 1 to holders of record Nov 19.
- Record $1.0B share repurchases in Q3 (9.3M shares); 121.6M remaining under authorization.

## SEC filing metadata
- accession: 0001628280-25-048906
- form_type: 8-K
- ticker: AFL
- cik: 0000004977
- company_name: AFLAC INC
- filed_at: 2025-11-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/4977/000162828025048906/0001628280-25-048906-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4977/000162828025048906/afl-20251104.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-048906
- JSON: https://secwatch.observer/filing/0001628280-25-048906.json
- Plain text: https://secwatch.observer/filing/0001628280-25-048906.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.