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AFLNYSE
AFLAC INC
Accident & Health Insurance · GA · CIK 4977
AFLAC INC provides insurance products and services, focusing on pretax adjusted earnings as a key performance measure
⚡ Elevated coverage
$59.96B
Market cap
$120.08
Last close
-0.1%
1D
+3.0%
5D
1.7M
Volume
Price · last 39 sessions+6.0%
May 4L $112.11 · H $120.15Jun 29
197
Total filings
Jun 23, 2026
Last filing
12/31
Fiscal year end
11-K11-KJun 23, 20268-KCompany UpdateMay 28, 2026424B5424B5May 18, 20268-KCompany UpdateMay 14, 2026424B5424B5May 11, 20268-KShareholder VoteMay 7, 202610-Q10-QMay 6, 20268-KResults of Operations · Reg FD DisclosureApr 29, 2026DEFA14ADEFA14AMar 19, 2026DEF 14ADEF 14AMar 19, 202610-K10-KFeb 25, 20268-KResults of Operations · Reg FD DisclosureFeb 4, 202610-Q10-QNov 5, 20258-KResults of Operations · Reg FD DisclosureNov 4, 20258-KNew Debt / ObligationAug 27, 20258-KResults of OperationsAug 5, 202510-Q10-QAug 5, 202511-K11-KJun 23, 20258-KCompany UpdateJun 20, 20258-KCompany UpdateJun 5, 2025424B5424B5May 27, 20258-KShareholder VoteMay 8, 202510-Q10-QMay 7, 20258-KResults of OperationsApr 30, 2025DEFA14ADEFA14AMar 20, 2025DEF 14ADEF 14AMar 20, 202510-K10-KFeb 26, 20258-KResults of OperationsFeb 5, 202510-Q10-QNov 1, 20248-KExecutive Change · Results of OperationsOct 30, 202410-Q10-QAug 1, 20248-KResults of OperationsJul 31, 202411-K11-KJun 21, 20248-KShareholder VoteMay 10, 202410-Q10-QMay 2, 20248-KResults of OperationsMay 1, 20248-KCompany UpdateMar 21, 2024DEFA14ADEFA14AMar 21, 2024DEF 14ADEF 14AMar 21, 2024424B5424B5Mar 11, 202410-K10-KFeb 22, 20248-KResults of OperationsJan 31, 20248-KExecutive ChangeDec 8, 20238-KExecutive Change · Bylaw AmendmentNov 17, 202310-Q10-QNov 2, 20238-KExecutive ChangeNov 1, 20238-KResults of OperationsNov 1, 202310-Q10-QAug 2, 20238-KResults of OperationsAug 1, 202311-K11-KJun 21, 20238-KExecutive ChangeJun 13, 20238-KShareholder VoteMay 4, 202310-Q10-QMay 1, 20238-KResults of OperationsApr 27, 2023DEFA14ADEFA14AMar 16, 2023DEF 14ADEF 14AMar 16, 20238-KReg FD DisclosureFeb 27, 202310-K10-KFeb 24, 20238-KExecutive ChangeFeb 10, 20238-KResults of OperationsFeb 1, 202310-Q10-QNov 2, 20228-KResults of OperationsOct 31, 20228-KExecutive ChangeOct 25, 20228-KCompany UpdateSep 14, 2022424B5424B5Aug 30, 202210-Q10-QAug 2, 20228-KResults of OperationsAug 1, 202211-K11-KJun 21, 2022SC 13GSC 13GJun 13, 20228-KShareholder VoteMay 4, 202210-Q10-QApr 29, 20228-KResults of OperationsApr 27, 2022DEFA14ADEFINITIVE ADDITIONAL PROXY SOLICITING MATERIALSMar 17, 2022DEF 14ADEFINITIVE PROXY STATEMENTMar 17, 202210-K10-KFeb 23, 20228-KExecutive Change · Bylaw AmendmentFeb 11, 20228-KResults of OperationsFeb 2, 202210-Q10-QOct 28, 20218-KResults of OperationsOct 27, 202110-Q10-QJul 29, 2021
Insider Activity
In the 90 days to Mar 27, 2026: 6 sold $40.3M.
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 27, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 7,336 | $106.60 | $782K |
| Mar 27, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 5,801 | $107.91 | $626K |
| Mar 27, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 1,363 | $108.45 | $148K |
| Mar 26, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 7,514 | $107.79 | $810K |
| Mar 26, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 7,386 | $108.17 | $799K |
| Mar 25, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 14,200 | $107.03 | $1.5M |
| Mar 25, 2026 | Lake Charles D IiChairman & Rep. Director, ALIJ | Sell | 5,000 | $107.27 | $536K |
| Mar 24, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 14,000 | $106.34 | $1.5M |
| Mar 23, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 14,895 | $106.78 | $1.6M |
| Mar 23, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 105 | $107.36 | $11K |
| Mar 20, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 14,851 | $106.33 | $1.6M |
| Mar 20, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 1,949 | $107.53 | $210K |
| Mar 19, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 8,800 | $107.28 | $944K |
| Mar 19, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 1,300 | $108.28 | $141K |
| Mar 18, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 7,993 | $108.14 | $864K |
| Mar 18, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 4,207 | $108.99 | $459K |
| Mar 17, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 15,700 | $109.77 | $1.7M |
| Mar 16, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 15,816 | $109.38 | $1.7M |
| Mar 16, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 284 | $110.13 | $31K |
| Mar 13, 2026 | Japan Post Holdings Co., Ltd.TenPercentOwner | Sell | 15,943 | $109.06 | $1.7M |
Open-market buys & sells (Form 4, transaction codes P/S). Source: SEC structured insider data.
What Changed
Risk factors · Feb 26, 2025 → Feb 25, 202656 added · 62 removed between the two most recent 10-Ks. The risks a company starts — or stops — disclosing are often the story.
Newly disclosed
- As a result, events such as these, including the June 2025 cyber incident where the Company became aware of the exfiltration of certain personal information relating to a substantial number of customers, beneficiaries, employees, agents, and other individuals in the Company’s U.S. business, could adversely affect the Company's financial condition or results of operations due to incurred costs and remediation.
- Although data leakage issues the Company has experienced, as of the date of this report, have not been determined to have a reasonably likely material impact on the Company's financial condition or results of operations, the Company's security systems or processes may not prevent or mitigate future break-ins, tampering, security breaches or other cyber-related attacks.
- The Company could also be subject to legal risk, including government enforcement action and civil litigation, related to cyber-attacks and security breaches, which could adversely affect the Company’s business, reputation, financial condition or results of operations.
- The rapid evolution and increased adoption of artificial intelligence technologies may also heighten the Company's cybersecurity risks by making cyber-attacks more difficult to detect, contain, and mitigate.
- Human Resources operate as centralized compensation functions, providing guidance and oversight to management teams to ensure pay aligns with job scope, responsibilities, and duties.
- This regulation requires, among other things, risk assessments, administrative and technical controls, incident reporting procedures, business continuity plans, and certain cybersecurity governance, such as the designation of a Chief Information Security Officer and senior governing body oversight.
- Economic uncertainty is also impacted by potential policy changes in the U.S., including proposed domestic regulations focused on consumer pricing, trade tariffs and increasing trade restrictions driven by security concerns and broader geopolitical tensions.
- Government actions to stimulate the economy affect the value of the Company's existing holdings, its reinvestment rate on new investments in JGBs or other Japanese yen-denominated assets, and consumer behavior relative to the Company's suite of insurance products.
- In addition, uncertainty regarding the timing, pace and magnitude of future interest rate changes could further increase fluctuations in the value of the Company’s assets and liabilities and adversely affect its capital position and liquidity.
- Some of the U.S. dollar-denominated asset classes that the Company has added, and anticipates continuing to add, have less liquidity than investment-grade corporate bonds and in periods of market stress, certain of these U.S. dollar-denominated asset classes may experience significantly reduced liquidity, increased valuation uncertainty or wider bid-ask spreads.
- Risk Factors Aflac Japan's U.S. dollar-denominated investments are associated with existing U.S. dollar-denominated investments that continue to be hedged, previously hedged investments that continue to be held but are no longer hedged, and investments previously hedged that have since been sold, matured or redeemed and may or may not have not been converted to Japanese yen.
- GAAP, U.S. dollar denominated assets and liabilities held by Aflac Japan are remeasured to Japanese yen and Japanese yen-denominated assets and liabilities held by Aflac Re are remeasured to U.S. dollar with the resulting foreign currency remeasurement for certain of these assets and liabilities included in earnings.
No longer disclosed
- For example, the National Institute of Standards and Technology (NIST) issued an updated version of the Cybersecurity Framework as well as guidelines on managing risks associated with the use of artificial intelligence and the Cybersecurity & Infrastructure Security Agency (CISA) published additional security guidelines related to ransomware and software security.
- Although the minor data leakage issues the Company has experienced to date have not had a material effect on its business, there is no assurance that the Company's security systems or processes will prevent or mitigate future break-ins, tampering, security breaches or other cyber-related attacks.
- For example, Aflac Japan’s Leadership Program allows select managers to participate in a comprehensive training program to learn about innovation and the global business environment.
- Although not all apply to Aflac U.S. operations, examples of these types of legislation include the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), UK General Data Protection Regulation (UK GDPR), UK Data Protection Act of 2018 (UK DPA), Connecticut Data Privacy Act (CDPA), Utah Consumer Privacy Act (UCPA), Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), Oregon Consumer Privacy Act (OCPA), Montana Consumer Data Privacy Act (MCDPA) and Nebraska Data Privacy Act (NDPA).
- High rates of inflation globally from 2022 continued to be reduced due to monetary tightening in many countries and normalization of certain trends after COVID-19, including supply chain recovery and phasing out of extraordinary fiscal support.
- In addition, the continuing difference between interest rates in the U.S. and Japan contributed to a weakening of the yen over 2024, which had the effect of suppressing the Company's current period results in relation to the comparable prior period.
- Aflac Japan implemented a human capital management system, beginning in January 2021 with managers and more senior leadership positions and in January 2022 with all other employees.
- In 2024, 60% of new hires located in the U.S. were people of color and 69% were women. • Established in 2009, Aflac Heartful Services Co., Ltd.
- Department of the Treasury to monitor all aspects of the insurance industry and of lines of business other than certain health insurance, certain long-term care insurance and crop insurance. • Privacy and Cybersecurity In the absence of a comprehensive federal privacy law, states are making a push towards privacy legislation.
- Over the last several years, processes have developed to support the data subject request process required by CCPA, privacy impact assessments have been implemented as required by CPRA and a dedicated privacy and security center has been added to the Company website to provide consumers with information about the use of and protection of their data.
- Human Resources divisions operate as centralized internal compensation functions to provide oversight and input to the respective management teams with the objective of providing compensation that is consistent with job scope, duties and responsibilities.
- Aflac U.S. provides an employee engagement survey every other year to employees to gather their views on company culture and satisfaction, and works with its leadership to monitor continuous improvements and enhance the employee experience. 11 Item 1.
In the News
⚡ Elevated coverageCoverage (30d): 4 reputable articles · skews ▲ positive.
MarketWatchAFLAC Inc. stock outperforms competitors on strong trading day17d agoMarketWatchAFLAC Inc. stock underperforms Monday when compared to competitors21d agoMarketWatchAFLAC Inc. stock underperforms Friday when compared to competitors despite daily gains24d ago
Reputable outlets only (Reuters, WSJ, CNBC, Barron's, and peers). More on Google News ↗
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