Aflac Inc.
Aflac Inc. is classed by the SEC under Accident & Health Insurance (industry code 6321), based in Columbus, GA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $17 billion and a profit of $3.6 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6321, Accident & Health Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.3 out of ten, 9 of 9 metrics filed: past 7.1 out of ten, present 6.9 out of ten, future 4.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.8 out of ten. No warning events in its filings since 2017. 68th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 2.7 out of ten. -3% a year over 10 filed years; profitable in 10 of 10. 27th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 9.6 out of ten. Share count shrank 5.7% a year. 100% of cash flow returned. Insiders: 24 sales, 0 purchases. 95th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 6.8 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 75%: owes 75¢ per asset dollar. 68th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.5 out of ten. top 35% of 11 in its family; net margin 21.2%. 65th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 7.6 out of ten. top 24% of 9 in its family for leadership; chief executive since 2006. 76th percentile among 9 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.5 out of ten. top 45% of 11 in its family for room to expand. 55th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.6 out of ten. bottom 36% of 11 in its family for growth drivers. 36th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.5 out of ten. bottom 35% of 11 in its family for expectations against reality. 35th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form 4, 2026-10-09. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Amos, Daniel P (Chairman of the Board, CEO); Lake, Charles D II (Chairman & Rep. Director, ALIJ); Simard, Frederic Jean Guy (Deputy President, Aflac U.S.); Tillman, Audrey B (Sr. Executive Vice President); Dyslin, Bradley Eugene (Executive Vice President); Miller, Virgil Raynard (President, Aflac Inc. and U.S.); Beaver, Steven Kent (EVP, CFO Aflac Japan); Broden, Max (Sr. EVP, CFO); Blackmon, Robin Littrell (SVP, Chief Accounting Officer); Koide, Masatoshi (Pres. and Rep. Director, ALIJ); and 10 more. 20 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-09.
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