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10-QPeriod: Q1 FY2014

AFLAC INC Quarterly Report for Q1 Ended Mar 31, 2014

Filed May 2, 2014For Securities:AFL

Summary

Aflac Incorporated reported its first quarter 2014 financial results, showing a decrease in net earnings compared to the previous year. Net earnings were $732 million ($1.60 per diluted share) for the quarter ended March 31, 2014, down from $892 million ($1.90 per diluted share) in the same period of 2013. This decline was primarily attributed to a weaker Japanese yen, which negatively impacted the translation of yen-denominated results into U.S. dollars, and a shift from net investment gains in the prior year to net investment losses in the current quarter. Despite the decline in net earnings, the company highlighted strong operational performance in its key segments. Aflac Japan's pretax operating earnings increased by 4.6% in yen (5.7% decrease in USD), driven by improved benefit and expense ratios. Aflac U.S. also showed a 7.9% increase in pretax operating earnings. The company continued its share repurchase program, repurchasing $415 million of its common stock in the quarter, demonstrating a commitment to returning capital to shareholders. Aflac maintained a strong capital position with a robust Risk-Based Capital (RBC) ratio exceeding 775%.

Financial Statements
Beta
Revenue$5.64B
SG&A Expenses$534.00M
Operating Income$1.17B
Interest Expense$80.00M
Net Income$732.00M
EPS (Basic)$0.81
EPS (Diluted)$0.80
Shares Outstanding (Basic)909.46M
Shares Outstanding (Diluted)915.40M

Key Highlights

  • 1Aflac reported net earnings of $732 million ($1.60 per diluted share) for Q1 2014, a decrease from $892 million ($1.90 per diluted share) in Q1 2013.
  • 2The weaker Japanese yen negatively impacted reported U.S. dollar results, with revenues decreasing to $5.6 billion from $6.2 billion year-over-year.
  • 3Net investment results shifted from a gain of $156 million in Q1 2013 to a loss of $46 million in Q1 2014, primarily due to derivative and hedging activities.
  • 4Aflac Japan's pretax operating earnings increased by 4.6% in yen, indicating underlying operational strength despite currency translation headwinds.
  • 5Aflac U.S. reported a 7.9% increase in pretax operating earnings, showcasing solid performance in its domestic segment.
  • 6The company repurchased $415 million of its common stock in Q1 2014, continuing its capital return strategy.
  • 7Aflac maintained a strong financial position, with its Risk-Based Capital (RBC) ratio for its U.S. insurance operations estimated to exceed 775%.

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