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Aflac (AFL) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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Aflac (AFL - Free Report) reported $4.3 billion in revenue for the quarter ended September 2026, representing a year-over-year decline of 9.4%. EPS of $2.43 for the same period compares to $2.49 a year ago.
The reported revenue represents a surprise of +2.21% over the Zacks Consensus Estimate of $4.2 billion. With the consensus EPS estimate being $1.80, the EPS surprise was +35%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Aflac performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Total Benefit /Premium - Aflac Japan: 49.2% versus 62.6% estimated by three analysts on average.
Total Adjusted Expenses/Total Adjusted Revenue - Aflac U.S.: 37% versus 38.1% estimated by three analysts on average.
Total Benefit /Premium - Aflac U.S.: 40.7% versus the three-analyst average estimate of 49.4%.
Total Adjusted Expenses/Total Adjusted Revenue - Aflac Japan: 21.2% versus 20.4% estimated by three analysts on average.
Total adjusted revenues- Aflac U.S.: $1.78 billion versus $1.75 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +3.1% change.
Total adjusted revenues- Aflac Japan: $2.16 billion versus $2.15 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -7.7% change.
Total adjusted revenues- Aflac U.S.- Total net earned premiums: $1.54 billion versus $1.54 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +3.3% change.
Total adjusted revenues- Aflac Japan- Other income: $9 million versus $7.63 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +28.6% change.
Revenues- Other income (loss): $36 million compared to the $31.98 million average estimate based on three analysts. The reported number represents a change of +38.5% year over year.
Revenues- Net investment income: $1 billion compared to the $956.22 million average estimate based on three analysts. The reported number represents a change of -6% year over year.
Revenues- Total net earned premiums: $3.3 billion versus $3.24 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -2% change.
Total adjusted revenues- Corporate and other: $360 million versus $292.79 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +5% change.
Shares of Aflac have returned +9.2% over the past month versus the Zacks S&P 500 composite's -2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Aflac (AFL) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
Aflac (AFL - Free Report) reported $4.3 billion in revenue for the quarter ended September 2026, representing a year-over-year decline of 9.4%. EPS of $2.43 for the same period compares to $2.49 a year ago.
The reported revenue represents a surprise of +2.21% over the Zacks Consensus Estimate of $4.2 billion. With the consensus EPS estimate being $1.80, the EPS surprise was +35%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Aflac performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Aflac here>>>
Shares of Aflac have returned +9.2% over the past month versus the Zacks S&P 500 composite's -2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.