The Zacks Accident and Health Insurance industry is expected to ride on the increase in underwriting exposure. Aflac Incorporated (AFL) , Unum Group (UNM) , Employers Holdings (EIG) and Trupanion (TRUP) should continue to benefit from prudent underwriting standards. However, a rise in claims frequency could weigh on the positives. The industry has been witnessing soft pricing over the past several quarters, which is not expected to change any time soon. Nonetheless, a rise in claims, with business activitie ...

Aflac第四季度财报预期 - Aflac第四季度每股收益预期为$1.47，比去年同期增长14%[2] - 预期Aflac第四季度营收为$44亿，比去年同期增长10.8%[3] - Aflac过去四个季度每次都超出盈利预期，平均超出幅度为14.50%[4] - 根据我们的模型预测，Aflac这次也将会超出盈利预期，因为盈利预期值得+0.57%，并且Zacks排名为2[5] 日本业务预期 - 日本业务的净保费收入预期将下降12.3%，为19亿美元[6] - 日本业务的净投资收入预期将增长0.6%，为6.36亿美元[7] - 日本业务的调整后收入预期将下降8.4%，为25亿美元，调整后费用比率预期将改善150个基点，为21.4%[8] 美国业务预期 - 美国业务预期将从更高的销售和强劲的续存率中受益，预期净保费收入将增长3.2%，为14亿美元[9] - 美国业务的调整后净投资收入预期将增长6.3%，为2.04亿美元，调整后收入预期将改善3.1%，为17亿美元[10] 利润预期 - Aflac的利润预计将受益于较低的福利和索赔以及收购和运营费用的下降[14]

The upcoming report from Aflac (AFL) is expected to reveal quarterly earnings of $1.47 per share, indicating an increase of 14% compared to the year-ago period. Analysts forecast revenues of $4.44 billion, representing an increase of 10.8% year over year. The consensus EPS estimate for the quarter has undergone an upward revision of 0.9% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed their initial estimates during this timeframe. ...

文章核心观点 - 公司在销售、成本削减和国内市场占有率方面处于战略性有利位置,产品组合的扩展进一步推动了公司的发展势头 [1] - 公司的浮动利率收入是关键驱动力,增强了其投资收益 [1] 公司概况 - 公司股价在过去一年内上涨16.3%,超过行业11.5%的涨幅 [2] - 公司总部位于佐治亚州哥伦布市,是一家提供补充性健康和人寿保险产品的公司,在美国和日本有强大的市场地位,市值为495亿美元 [2] - 公司目前被评为扎克斯排名第2(买入)的股票,是投资组合的有吸引力的选择 [3] 财务表现 - 公司2023年当前年度每股收益预期为6.36美元,较上年同期增长19.3%,过去4个季度公司的每股收益均超出预期,平均超出14.5% [5] - 公司2023年当前年度收入预期为186亿美元,其日本业务的销售有望得到提升,得益于产品推出、更新和分销策略等战略举措,以及日本邮政的良好表现,新推出的医疗产品也展现出了良好的开端 [6] - 公司美国业务的销售表现也有望保持强劲,归功于生产效率的提升以及网络、牙科、视力和团体人寿及残疾保险等多个平台的贡献 [7] - 公司预计费用率将有所改善,有助于综合成本率下降至去年水平以下,成本节约举措将成为推动利润增长的驱动力 [9] 资本状况 - 公司资产负债表稳健,截至2023年9月30日拥有55亿美元的现金及现金等价物,为增强股东价值的举措提供了有利条件,未来5年内的债务到期额为13亿美元,财务灵活性较强 [10] - 公司在第三季度通过回购9.4百万股,金额为7亿美元,体现了其对自身财务状况的信心,截至第三季度末,公司仍有8.64亿股可供进一步回购,彰显了其回报股东的承诺 [11] - 但公司2021年、2022年和2023年前9个月的经营活动产生的净现金流呈现持续下降趋势,这可能会影响公司维持未来运营的能力,但相信公司会制定系统和战略性的行动计划来推动长期增长 [12]

Wall Street expects a year-over-year increase in earnings on higher revenues when Aflac (AFL) reports results for the quarter ended December 2023. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on January 31. On t ...

Aflac (AFL) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #2 (Buy). This upgrade primarily reflects an upward trend in earnings estimates, which is one of the most powerful forces impacting stock prices. The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system. Individual investor ...

Coach Prime takes center stage donating signed footballs that fetched $100,000 at Aflac's "auction for a cause." COLUMBUS, Ga., Jan. 18, 2024 /PRNewswire/ -- Aflac's sales agents and brokers raised $770,000 during a charitable auction held last week at FOCUS, the company's annual meeting of leading sales agents and brokers. The tally shattered the pre-auction expectations of $220,000 by more than 350%, with all proceeds going to the Aflac Cancer and Blood Disorders Center of Children's Healthcare of Atlanta ...

Justin Ford When it comes to producing iconic ads, few are as recognizable as those produced by Aflac (NYSE:AFL). The somewhat annoying duck yelling "Aflac" has made frequent appearances across American media since 2000. The company is one of the leading insurance providers in the US and Japanese markets. In the US, Aflac primarily offers supplemental insurance for serious accidents or illnesses, while in Japan, the company provides cancer and medical insurance policies. As an insurance company, Aflac relie ...

西班牙裔工人财务挑战 - Aflac发布的2023-2024年度工作力量报告揭示了美国工作场所面临的关键问题，包括疲劳和财务挑战[1] - 调查显示，66%的西班牙裔工人表示一个月无法没有工资，这是一个令人担忧的疲劳趋势[4] - 西班牙裔工人在财务上的韧性较低，43%无法从支票或储蓄账户中提取资金以支付意外医疗费用[6] 福利计划的重要性 - 报告强调了福利计划在员工幸福和满意度中的重要作用[3] - 补充保险有助于提供财务安全和增加招聘、留任[8] - 大多数拥有补充保险的西班牙裔员工表示这些福利提供了额外的财务安全[10] Aflac的倡导和支持 - 西班牙裔工人在面临意外医疗费用时更依赖支持系统，其中有29%求助于家人或朋友，26%寻求额外工作来增加收入[5] - Aflac致力于帮助西班牙裔社区，提倡早期检测和定期筛查，以保护个人财务和健康[7]

Two factors often determine stock prices in the long run: earnings and interest rates. Investors can't control the latter, but they can focus on a company's earnings results every quarter. The earnings figure itself is key, of course, but a beat or miss on the bottom line can sometimes be just as, if not more, important. Therefore, investors should consider paying close attention to these earnings surprises, as a big beat can help a stock climb and vice versa. Hunting for 'earnings whispers' or companies po ...