Aflac Incorporated (NYSE:AFL) is included among the 15 Best Cheap Dividend Stocks to Buy.
On April 9, UBS lowered its price recommendation on Aflac Incorporated (NYSE:AFL) to $114 from $116. Reiterated Neutral rating on the stock. The update came as part of a preview of the North American life insurance group’s first-quarter earnings. UBS said it expects continued attention to disability margins, with “relatively limited room for maneuver” given the cyclical nature and economic uncertainty. The company also brought forward its target to 2027 estimates from 2026.
During the fourth quarter 2025 earnings call, Max Broden, senior executive vice president and chief financial officer, said most of the company’s 2026 guidance remains in place, with some adjustments. In Japan, underlying earned premiums are expected to decline by 1% to 2%. The expense ratio is projected between 20% and 23%. He also noted that the profit ratio is expected to be in the range of 60% to 63%, with a pre-tax profit margin of 33% to 36%.
For the U.S. business, Broden said net earned premium growth is still expected at the lower end of the 3% to 6% range. The profit ratio is projected between 48% and 52%. The US expense ratio is expected to range between 36% and 39% as the company continues to expand its new lines of business.
Aflac Incorporated (NYSE:AFL) provides financial protection through its subsidiaries in the United States and Japan. Its core business focuses on complementary life and health insurance products.
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