{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-070181","form_type":"8-K","ticker":"AFL","cik":"0000004977","company_name":"AFLAC INC","filed_at":"2026-11-04T21:20:48+00:00","discovered_at":"2026-11-04T21:22:01.129849+00:00","generated_at":"2026-11-04T21:22:26.638617+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Aflac Q3 net earnings $303M (-81.5%) on $1.1B investment losses; adjusted EPS $2.43 (-2.4%); dividend up to $0.61","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-070181","json":"https://secwatch.observer/filing/0001628280-26-070181.json","markdown":"https://secwatch.observer/filing/0001628280-26-070181.md","text":"https://secwatch.observer/filing/0001628280-26-070181.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4977/000162828026070181/0001628280-26-070181-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4977/000162828026070181/afl-20261104.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-11-04T21:22:26.638617+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}