职场压力与倦怠 - 美国职场压力与倦怠现象严重影响近3/5的美国工人 其中千禧一代面临中度至高度倦怠的比例最高为66% 其次是X一代55% 婴儿潮一代39% 2024年员工经历高压力的比例从2023年的33%上升到38% [2] - 美国拉美裔员工报告的工作压力程度更高 2024年高/非常高压力比例为46% 2023年为37% 拉美裔员工感到非常高程度倦怠的可能性几乎是非拉美裔员工的两倍 [2] - 繁重的工作量32%和长时间工作27%是职场压力的主要因素 压力的更严重影响略有增加 创伤后应激障碍从2023年的7%上升到12% 饮食失调从6%上升到9% [3] 员工消极行为与雇主应对 - 在所有工作模式的员工中 50%承认至少有一种代表“安静离职”的消极行为 包括不做工作描述中的所有要求（远程14% 混合15% 现场8%）和未经雇主许可从事副业（远程22% 混合14% 现场11%） [5] - 雇主需要了解所有工作模式的绩效动态 以创造令员工满意并保持生产力的工作环境 员工应认识到生产力下降会促使雇主考虑改变工作模式 [6] 员工财务脆弱性 - 考虑到意外严重疾病影响时感到焦虑的美国工人比例从2023年的60%上升到2024年的70% 超过一半51%的员工无法承担1000美元的意外医疗费用 拉美裔58%和非裔美国员工59%在面临1000美元意外医疗账单时财务更不稳定 近2/3的员工表示没有工资撑不过一个月 [6] - 大多数员工不了解癌症等严重疾病诊断的相关费用 超过3/4的员工认为癌症诊断后12个月的自付费用将低于2000美元 而实际上美国国家癌症研究所估计总成本为40000美元或更多 [7] - Z世代是财务最脆弱的群体 61%无法承担1000美元的医疗账单 但较2023年的72%有所改善 [8] 补充保险与员工福利 - 由于财务脆弱以及对医疗保健成本上升的压力和担忧 雇主和员工都渴望解决方案 补充保险被视为实现财务稳定和安心的可行步骤 2024年福利对员工忠诚度 工作投入度和推荐朋友的意愿的重要性达到历史最高 [9] - 越来越多的员工会为了更好的福利而考虑离职 即使这意味着减薪 2024年这一比例为62% 2023年为53% 大多数员工认为补充保险的需求增加 2024年为93% 2023年为89% 为14年调查数据中的最高值 [10] - 93%的美国员工认为补充保险有助于提供财务保障 补充保险有助于稳定财务和减轻对意外医疗事件的恐惧 员工压力和担忧减轻时 雇主可能会提高员工保留率 生产力和整体满意度 [11] 拉美裔员工福利需求 - 在调查中 美国拉美裔员工对针对家族疾病的补充保险表现出强烈兴趣 比例为73% 非拉美裔为58% 拉美裔员工更可能表示家族病史在其健康保险决策中起关键作用 比例为65% 非拉美裔为48% [12] - 拉美裔员工的整体工作体验和满意度受福利选项的影响比非拉美裔员工更频繁 包括生产力75%对61% 工作投入度70%对57% 心理和情绪健康80%对70% 工作满意度74%对69% 忠诚度71%对61% 离职决定63%对50% 推荐朋友的意愿68%对54% [13] 企业社会责任 - 员工从参与雇主的企业社会责任活动中受益显著 91%报告对其幸福有积极影响 但1/4的员工表示不知道雇主的企业社会责任倡议 拉美裔工人对组织的企业社会责任政策表现出更高的兴趣 比例为65% 非拉美裔为47% [14] - 企业社会责任努力也可以促进员工招聘和保留 77%的员工表示雇主的企业社会责任倡议在做出就业决策时很重要 71%的员工表示他们目前参与或有兴趣参与企业社会责任倡议 [15]

30-year group insurance industry veteran will leverage his carrier and benefits consulting experience to further deepen Aflac's distribution model and drive profitable growthCOLUMBUS, Ga., Nov. 11, 2024 /PRNewswire/ -- Aflac, the leading provider of supplemental health insurance in the U.S.1, today announced the hiring of JR Shamley for the newly created position of senior vice president, National Account Business Development and Growth Solutions. In this role, Shamley will be responsible for aligning distr ...

Aflac (AFL) has been on a downward spiral lately with significant selling pressure. After declining 6.6% over the past four weeks, the stock looks well positioned for a trend reversal as it is now in oversold territory and there is strong agreement among Wall Street analysts that the company will report better earnings than they predicted earlier.Here is How to Spot Oversold StocksWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock is overso ...

This is the official page of Croatian-American media personality Albert Anthony. Since 2023 he has been a media contributor to global financial media portal Seeking Alpha, reaching +1MM investors worldwide & his content often averaging +25,000 views monthly. As an independent contributor, his content on the Seeking Alpha portal provides curated analysis of stocks trading on major US exchanges, and building a diversified dividend income portfolio, but also a forward- looking view of where he thinks a stock w ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 _____________________________________________Aflac Incorporated _____________________________________________________ ...

Aflac Incorporated (AFL) reported third-quarter 2024 adjusted earnings per share of $2.16, which beat the Zacks Consensus Estimate by 27.1%. Also, the bottom line increased 17.4% year over year.Aflac’s revenues decreased from $5 billion in the year-ago quarter to $2.9 billion in the quarter under review. The top line missed the consensus mark by 36.6%.Strong quarterly earnings were supported by lower operating expenses and higher investment income, signaling the company’s effective investment strategies. Wh ...

财务数据和关键指标变化 - Aflac在2024年第三季度报告每股摊薄亏损为0.17美元，主要由于外汇损失增加，日元在季度内升值12.9% [8] - 调整后每股摊薄收益为2.16美元，同比增长17.4%；年初至今每股收益为6.23美元，调整后每股收益增长13.5%至5.64美元 [9] 各条业务线数据和关键指标变化 - 日本业务第三季度销售同比增长12.3%，主要得益于新产品Tsumitasu的推出 [10] - 美国业务第三季度销售增长5.5%，主要是团体人寿保险的强劲增长 [12] - 日本的净赚保费下降10.5%，主要受到内部癌症再保险交易和已付保单的负面影响 [24] - 美国的净赚保费增长2.8%，总福利比率为47.6%，比2023年第三季度高出11.7个百分点 [28] 各个市场数据和关键指标变化 - 日本的总福利比率为49.2%，同比下降15.9个百分点，第三部门福利比率为41.8%，同比下降约13个百分点 [24] - 美国的福利比率预计将在45%至47%之间，受低再测量收益的影响 [29] 公司战略和发展方向和行业竞争 - 公司计划通过Tsumitasu产品吸引年轻客户，并推动第三部门产品的销售增长 [10][41] - 在日本市场，竞争依然激烈，公司强调产品的独特性和灵活性，以满足客户需求 [106] 管理层对经营环境和未来前景的评论 - 管理层对未来的展望持乐观态度，认为日本和美国市场的潜力依然强劲 [21] - 管理层提到，尽管面临外汇波动和市场竞争，公司仍将继续专注于盈利增长和优化资本配置 [19][50] 其他重要信息 - 公司在第三季度回购了5亿美元的股票，并宣布第四季度每股股息为0.50美元 [19] - 公司在日本的癌症保险销售通过与日本邮政的合作取得了显著进展 [11][109] 问答环节所有提问和回答 问题: 关于日本销售的挑战 - 管理层提到，Tsumitasu产品的推出帮助吸引了年轻客户，预计第三部门销售将会增长 [40][41] 问题: 关于资本配置的看法 - 管理层表示，资本比率强劲，未来将考虑包括特别股息和并购在内的多种资本配置选项 [48][50] 问题: 关于日本福利比率的预期 - 管理层预计，由于假设的解锁，未来的福利比率将比之前预期的低100个基点 [64] 问题: 关于Tsumitasu销售的趋势 - 管理层认为，Tsumitasu产品在市场上受到欢迎，预计销售将保持稳定 [77] 问题: 关于美国业务的持续性 - 管理层指出，持续性提高主要得益于产品组合的优化和对客户价值的关注 [100][102]

For the quarter ended September 2024, Aflac (AFL) reported revenue of $2.95 billion, down 40.4% over the same period last year. EPS came in at $2.16, compared to $1.84 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $4.65 billion, representing a surprise of -36.61%. The company delivered an EPS surprise of +27.06%, with the consensus EPS estimate being $1.70. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how ...

Aflac (AFL) came out with quarterly earnings of $2.16 per share, beating the Zacks Consensus Estimate of $1.70 per share. This compares to earnings of $1.84 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 27.06%. A quarter ago, it was expected that this insurer would post earnings of $1.59 per share when it actually produced earnings of $1.83, delivering a surprise of 15.09%.Over the last four quarters, the company has surpass ...

FINAL 10/30/2024 Financial Supplement Third Quarter 2024 This document is a statistical supplement to Aflac's quarterly earnings release. Throughout the presentation, amounts presented may not foot due to rounding. As you review the supplement, please note the non-U.S. GAAP financial measures and definitions found at the back of this document. The Company adopted the Financial Accounting Standards Board's Accounting Standard Update 2018-12 Financial Services - Insurance: Targeted Improvements to the Account ...