Here are the 10-K annual reports from Aflac Inc. (AFL) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow AFL and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full AFL filings page.
Aflac Incorporated files its annual report describing a global supplemental health and life insurer built around two main segments: Aflac Japan and Aflac U.S. Japan generates over half of adjusted revenues and holds most assets, making results sensitive to that market.
The filing emphasizes risks from interest rates, credit markets, foreign exchange between the yen and dollar, and the large portfolio of Japan Government Bonds. It also highlights cybersecurity, privacy, regulation in both countries, and dependence on large distribution partners and independent agents.
Aflac reports about 12,700 employees, compensation and benefits of roughly $2.1 billion in 2025, and ongoing investment in technology, data security, and human capital programs to support long-term growth in Japan and the U.S.