Aflac (NYSE: AFL) reported Q3 EPS of $2.49, $0.72 better than the analyst estimate of $1.77. Revenue for the quarter came in at $4.74 billion versus the consensus estimate of $4.37 billion.

OUTLOOK

Commenting on the company\'s results, Aflac Incorporated Chairman and Chief Executive Officer Daniel P. Amos stated: \"Aflac delivered very solid earnings for the quarter and the first nine months. These results reflect our focused efforts to execute on our strategy of creating long-term value for shareholders.

\"Looking at our operations in Japan, I am pleased with Aflac Japan\'s 11.8% year-over-year sales increase in the quarter and ongoing strong premium persistency. The strong sales were driven largely by continued sales of our cancer insurance product Miraito, which was launched in March. We also continue to drive awareness for third sector protection to new and younger customers through our innovative first sector product Tsumitasu, which was repriced for new policies effective in September. Overall, I believe we have the right strategy to meet our customers\' financial protection needs throughout their different life stages.

\"In the U.S., I am pleased with our 2.5% increase in net earned premiums, which is supported by our strong persistency of 79% and a 2.8% increase in sales in the quarter. We are encouraged by the momentum we are seeing within all areas of our group business, especially our group life and disability as well as network dental. We continue to focus on more profitable growth through our stronger underwriting discipline and improving the productivity of agents and brokers. We are seeing improvement in net earned premiums and continue our prudent approach to expense management and maintaining a strong pretax margin.

\"We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management. We are pleased with our investments, which continue to produce strong net investment income. Especially as we celebrate Aflac\'s 70th anniversary this month, we treasure our 2025 milestone of 43 consecutive years of dividend increases and remain committed to extending this record, supported by our financial strength. We repurchased a record $1.0 billion in shares for the quarter. We intend to continue our balanced approach of investing in growth and driving long-term operating efficiencies.\"

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