AFLAFLAC INC
Accident & Health Insurance
- Revenue
- $17.2B
- 9.3% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired70% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowFired185% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $21.6B | $19.1B | $18.7B | $18.9B | $17.2B | 9.3% |
| Operating income | $4.9B | $4.2B | — | — | — | |
| Net income | $4.2B | $4.4B | $4.7B | $5.4B | $3.6B | 33% |
| Operating cash flow | $5.1B | $3.9B | $3.2B | $2.7B | $2.6B | 5.6% |
| Buybacks | $2.3B | $2.4B | $2.8B | $2.8B | $3.5B | 26% |
| Dividends | $855M | $979M | $966M | $1.1B | $1.2B | 10% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.