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Aflac Incorporated: Business Overview, Financials & Competitive Analysis

Aflac Incorporated scores 7/10 on the AskCyborg Cyborg Score (Strong). Established market leader with strong dividend history and recent operational momentum, balancing growth ambitions with capital management discipline. Aflac reported Q4 2025 revenue of $4.87 billion, up 12.7% year-over-year and exceeding Wall Street estimates by 10.5%. Book value per share grew 22.3% annually over the last two years, though challenged.

What is Aflac Incorporated's industry? Aflac Incorporated (aflac.com) operates in Supplemental Health and Life Insurance. AskCyborg classifies Aflac Incorporated under Supplemental Health and Life Insurance in its company registry.

Aflac is a Fortune 500 company providing financial protection and peace of mind for seven decades to millions of policyholders through its subsidiaries in the U.S. and Japan, serving as the No. 1 provider of supplemen...

7/ 10Strong

Cyborg Score thesis

Established market leader with strong dividend history and recent operational momentum, balancing growth ambitions with capital...

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Industry Supplemental Health and Life Insurance
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 28, 2026
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What's in This Report
Aflac Incorporated OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Aflac Incorporated Overview

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Aflac is a Fortune 500 company providing financial protection and peace of mind for seven decades to millions of policyholders through its subsidiaries in the U.S. and Japan, serving as the No. 1 provider of supplemental health insurance products in the U.S. and the leading provider of cancer and medical insurance in Japan. Aflac provides supplemental health and life insurance policies that pay cash benefits directly to policyholders for expenses not covered by their primary insurance.

Strategic Profile

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The company maintains a record of 43 consecutive years of dividend increases, supported by strong capital and cash flows. Aflac pursues growth through diversifying its product range to meet changing customer needs, with estimated revenue growth of 5-7% annually through 2027.

Competitive Landscape

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Aflac holds approximately 8% market share in the supplemental insurance space, competing with MetLife (12%), Prudential Financial (10%), New York Life (7%), Cigna (6%), and others. The company differentiates through brand recognition and dual-market presence in the U.S. and Japan.

Industry Context

Aflac Incorporated operates in Supplemental Health and Life Insurance.

Key facts

Founded: 1955 · Headquarters: Columbus, US · Employees: 12,694 · Revenue: $18.0B · Market cap: $59.5B

What the analysts stress-tested

The top findings that survived the multi-agent debate for Aflac Incorporated.

  • Japan segment delivered 15.7% sales increase driven by new cancer and medical products
  • Book value per share accelerated to 22.3% annual growth over two years, reaching $56.85 per share
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Recent developments

Material events tracked by the AskCyborg corpus.

  • November 2025Announced 5.2% dividend increase to $0.61 per share for Q1 2026
  • February 2026Reported Q4 2025 results beating revenue expectations with 12.7% year-over-year growth
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

MetLifeLeading insurance company with 12% market share→Prudential FinancialMajor diversified financial services provider→CignaHealth services and insurance provider→

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Industry context

Aflac Incorporated operates in Supplemental Health and Life Insurance. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Aflac Incorporated do?+
Aflac is a Fortune 500 company providing financial protection and peace of mind for seven decades to millions of policyholders through its subsidiaries in the U.S. and Japan, serving as the No. 1 provider of supplemen...
What is Aflac Incorporated's Cyborg Score?+
Aflac Incorporated has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Aflac Incorporated's main competitors?+
Named competitors include MetLife, Prudential Financial, Cigna. The full competitive landscape is in the AskCyborg report.
How can I get the full Aflac Incorporated research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Aflac Incorporated research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Supplemental Health and Life Insurance research

Companies in the same sector and named competitors, ranked by Cyborg Score.

6MetLife, Inc.