Aflac Q3 net earnings $303M (-81.5%) on $1.1B investment losses; adjusted EPS $2.43 (-2.4%); dividend up to $0.61

AFLAC INC

Net earnings $303M ($0.61/diluted share) vs $1.6B ($3.08) a year ago, driven by $1.1B net investment losses ($2.15/sh) from strategic portfolio repositioning; total revenues -31.0% to $3.3B.
Adjusted earnings $1.2B (-8.5%), aided by $453M reserve remeasurement gains; 6.8% weaker yen (158.49 vs 147.68) cut adjusted EPS by $0.03; annualized ROE 4.1%, adjusted ROE ex-FX 23.7%.
Aflac U.S. pretax adjusted earnings $493M (+31.5%), profit margin 27.7% vs 21.7%; net earned premiums +3.3% to $1.5B; U.S. sales +3.5% to $403M on dental, group life and disability.
Aflac Japan pretax adjusted earnings ¥152.3B (-15.2%), margin 44.4% vs 52.2%; premiums -2.0% to ¥240.3B; sales -4.0% to ¥18.8B; ceded ~¥500B of cancer reserves to Aflac Re Bermuda.
Q4 dividend $0.61/share payable Dec 1, 2026 (record Nov 18), marking 44 straight years of increases; Q3 capital return $1.1B = $804M buybacks + $305M dividends.

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