Aflac (AFL) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2025, Aflac (AFL) reported revenue of $4.87 billion, up 12.8% over the same period last year. EPS came in at $1.57, compared to $1.56 in the year-ago quarter.The reported revenue represents a surprise of +8.7% over the Zacks Consensus Estimate of $4.48 billion. With the consensus EPS estimate being $1.71, the EPS surprise was -8.1%.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.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.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: 65% versus the three-analyst average estimate of 64.7%.Total Adjusted Expenses/Total Adjusted Revenue - Aflac U.S.: 40.4% compared to the 40.2% average estimate based on three analysts.Total Benefit /Premium - Aflac U.S.: 48.6% versus 48.9% estimated by three analysts on average.Total Adjusted Expenses/Total Adjusted Revenue - Aflac Japan: 22% versus the three-analyst average estimate of 21.3%.Total adjusted revenues- Aflac U.S.: $1.73 billion compared to the $1.76 billion average estimate based on three analysts. The reported number represents a change of +3.3% year over year.Total adjusted revenues- Aflac Japan: $2.28 billion versus the three-analyst average estimate of $2.39 billion. The reported number represents a year-over-year change of -3.6%.Total adjusted revenues- Aflac U.S.- Total net earned premiums: $1.5 billion versus $1.52 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +4% change.Total adjusted revenues- Aflac Japan- Other income: $8 million versus $8.12 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a 0% change.Revenues- Other income (loss): $31 million compared to the $30.34 million average estimate based on four analysts. The reported number represents a change of +29.2% year over year.Revenues- Net investment income: $973 million versus the four-analyst average estimate of $964.77 million. The reported number represents a year-over-year change of -4.2%.Revenues- Total net earned premiums: $3.33 billion versus $3.43 billion estimated by four analysts on average. Compared to the year-ago quarter, this number represents a -0.2% change.Total adjusted revenues- Corporate and other: $272 million versus $345 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -4.2% change.View all Key Company Metrics for Aflac here>>>Shares of Aflac have returned +0.1% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.Free Report: Profiting from the 2nd Wave of AI ExplosionThe next phase of the AI explosion is poised to create significant wealth for investors, especially those who get in early. It will add literally trillion of dollars to the economy and revolutionize nearly every part of our lives.Investors who bought shares like Nvidia at the right time have had a shot at huge gains.But the rocket ride in the "first wave" of AI stocks may soon come to an end. The sharp upward trajectory of these stocks will begin to level off, leaving exponential growth to a new wave of cutting-edge companies.Zacks' AI Boom 2.0: The Second Wave report reveals 4 under-the-radar companies that may soon be shining stars of AI’s next leap forward.Access AI Boom 2.0 now, absolutely free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Aflac Incorporated (AFL): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks