mrsmuckers Overview I previously covered Aflac (NYSE:AFL) back in early April, and since then, the performance has been stellar. AFL has provided a total return greater than 27% since my last issued buy rating, outpacing the S&P 500. I strongly believe that AFL will still benefit from a growing amount of cancer cases globally and long-term shareholders will be handsomely rewarded. However, I wanted to reassess and cover the financial strength of AFL and how it has helped the company navigate through all hea ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.While many investors like to look for moment ...

Investors interested in Finance stocks should always be looking to find the best-performing companies in the group. Has Aflac (AFL) been one of those stocks this year? By taking a look at the stock's year-to-date performance in comparison to its Finance peers, we might be able to answer that question.Aflac is a member of the Finance sector. This group includes 860 individual stocks and currently holds a Zacks Sector Rank of #1. The Zacks Sector Rank considers 16 different sector groups. The average Zacks Ra ...

Board-certified family medicine physician addresses his social media audience — 25 million strong — to discuss common mistakes young people make with health care and how to fix themCOLUMBUS, Ga., Aug. 12, 2024 /PRNewswire/ -- When it comes to taking care of their health, there are a few simple things that young people may be missing: making and keeping appointments with their primary care physicians, and leaning too heavily on urgent care and the emergency room for their primary care. This, according to Doc ...

Foundry's CIO 100 Award recognizes enterprise excellence and innovation in ITCOLUMBUS, Ga., Aug. 7, 2024 /PRNewswire/ -- Aflac has been selected as a 2024 CIO 100 award winner by Foundry's CIO. For more than 25 years, the CIO 100 Awards have recognized innovative organizations around the world that exemplify the highest level of strategic and operational excellence in IT.Aflac is recognized for its ongoing commitment to improving the ease of doing business by simplifying customer service, empowering agents ...

When investing in the stock market, you don’t need much money to get started. Consistently investing small amounts like $100 per month can be a smart strategy, especially if you focus on high-quality, blue-chip stocks with a history of weathering market storms and delivering compounding returns over the long term.While the current market sell-off may cause short-term losses, these proven businesses have the power to recover and reward patient investors who steadily build positions over time. By spreading ou ...

Aflac's Wellness Matters survey uncovers the prevalent use of urgent care and emergency rooms, barriers to preventive care, and vital aspects of health care for Hispanics and younger generationsCOLUMBUS, Ga., Aug. 5, 2024 /PRNewswire/ -- Many Hispanic Americans are not taking personal charge of their health journeys through preventive care, routine wellness checkups and important screenings that could help detect and support early treatment of serious illnesses. These are some of the findings from the secon ...

文章核心观点 - 美国人普遍存在推迟重要健康检查的问题,其中年轻人(千禧一代和Z世代)更容易推迟健康筛查[3][6][7] - 很多美国人,尤其是西语裔,由于语言障碍而无法充分了解自己的医疗需求和保险福利[9] - 家庭历史和社区背景对预防性医疗行为有重要影响,非裔美国人和西语裔更重视来自同社区背景的医疗专业人士[15][16] 根据目录分别总结 健康筛查推迟情况 - 77%的美国人承认推迟了重要的健康检查[3][4] - 60%的美国人避免了常规健康筛查,其中千禧一代更容易推迟筛查如宫颈癌筛查(40%)、性病筛查(32%)、全身皮肤癌检查(31%)和血液检查(39%)[6] - 84%的千禧一代和82%的Z世代偶尔推迟健康检查,高于整体人群(77%)[7] 推迟健康筛查的原因 - 工作时间冲突、难以请假、无法找到看护等是年轻人推迟筛查的主要障碍(58%的千禧一代)[9] - 42%的西语裔表示语言障碍阻碍他们了解自身的医疗需求和保险福利[9] - 感觉健康、认为自己年龄还不需要检查是31%的Z世代和千禧一代推迟筛查的原因[9] 预防性医疗行为与社区背景的关系 - 59%的非裔美国人和50%的西语裔更倾向于寻求同社区背景的医疗专业人士提供预防性医疗服务[15] - 非裔美国人更重视年度体检、视力检查、筛查和健康习惯,且更主动就健康问题联系医生[15] - 西语裔更依赖家人的鼓励来寻求医疗服务,家人被视为主要的健康倡导者(37%,高于非西语裔的25%)[16]

Aflac Incorporated (AFL) reported second-quarter 2024 adjusted earnings per share of $1.83, which beat the Zacks Consensus Estimate by 15.1%. Also, the bottom line increased 15.8% year over year.Aflac’s revenues decreased from $5.2 billion in the year-ago quarter to $5.1 billion in the quarter under review. However, the top line beat the consensus mark by 17.4%.The better-than-expected quarterly results were supported by lower benefits and claims, operating expenses and higher investment income, signaling i ...

财务数据和关键指标变化 - 第二季度调整后每股收益增长15.8%至1.83美元,前6个月增长11.5%至3.49美元 [10][11] - 日本业务净投资收益增长28.4%,主要受益于汇率变动、对冲成本下降和另类投资组合收益提高 [34][35] - 美国业务净投资收益增长7.4%,主要受益于固定收益和另类投资组合收益提高 [39] 各条业务线数据和关键指标变化 - 日本业务第三产品保费率上升约160个基点至57.8% [32] - 美国业务总保费率上升140个基点至46.7%,主要受产品组合变化和再投资收益下降影响 [38] - 美国业务费用率下降210个基点至36.9%,主要受规模效应和成本管控 [39] 各个市场数据和关键指标变化 - 日本业务保单数下降2.4%,续期率为93.3%,下降50个基点 [30][32] - 美国业务保费收入增长2.1%,续期率上升50个基点至78.7% [37][38] 公司战略和发展方向及行业竞争 - 在日本推出新的第一产品Tsumitasu,目标客户为年轻中年人,有助于交叉销售第三产品 [12][13][54][55][58][59][79][80] - 在美国持续专注于盈利增长,通过更严格的承保纪律和提升客户价值来推动 [16][17][18] - 在日本和美国市场保持领先地位,并持续创新产品满足客户需求 [24][25] 管理层对经营环境和未来前景的评论 - 日本市场竞争加剧,但公司将继续专注于提供适合客户需求的产品 [70][71][72][73][82][83][84][85] - 美国市场前景良好,公司正在通过多项举措提升业务质量和盈利能力 [94][95][96][97][98][99][100] 其他重要信息 - 公司资本充足,日本SMR超过1100%,美国RBC预计超过650% [47] - 公司将继续保持稳健的资本和流动性管理,支持股息增长和股票回购 [21][22][51] - 公司庆祝在日本经营50周年,以及在纽交所上市50周年 [24] 问答环节重要的提问和回答 问题1: 新产品Tsumitasu的定价和交叉销售机会 **Joel Hurwitz 提问** 新产品Tsumitasu的目标收益率如何,与第三产品相比如何?它有什么交叉销售机会? [54][55] **Max Broden 回答** Tsumitasu产品从GAAP角度看利润率与第三产品相当或更高,从内部收益率来看由于新业务压力较大略低于第三产品,但通过再保险安排后收益率很有吸引力。它可以帮助公司向年轻客户交叉销售第三产品 [56][57][58] 问题2: 日本市场竞争环境 **Jimmy Bhullar 提问** 近期日本市场竞争环境是否有变化,与过去5-10年相比有何不同? [68] **Koichiro Yoshizumi 回答** 日本市场竞争加剧,有些竞争对手推出了较低价格的产品。但公司的策略是提供有价值的产品,而不是单纯降价。公司将继续提供适合当前环境的产品,保持第三产品销售的领先地位 [70][71][72][73] 问题3: 美国业务的费用率展望 **Jimmy Bhullar 提问** 美国业务第二季度费用率创新低,这种水平是否可持续? [61] **Dan Amos 回答** 第二季度17.8%的费用率在日本业务来说是较低的,公司的指引范围是19%-21%,全年预计会落在较低端。美国业务费用率也有较好控制,但第四季度通常是最高的,全年预计会在38%-40%区间 [62][63][64][65]