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                                    What caused AFL's dramatic Q3 earnings miss?
                                </h1> <div class="user_slot" data-v-0eba195e=""><img src="//cdn.ainvest.com/frontResources/s/iwc-aime-seo/img/default_aime_user.ec532c9.png" alt="user" class="avatar" data-v-0eba195e=""> <span class="user_desction" data-v-0eba195e="">
                                        
                                        4/5/2025 08:33pm
                                    </span></div></div></div> <div class="seo-text-answer" data-v-0eba195e="">Aflac's Q3 earnings miss was caused by margin pressures and currency fluctuations, which impacted profitability despite strong top-line growth. The company's revenue rose to $5.4 billion, surpassing estimates by 28.6%, but adjusted EPS came in at $1.56, missing the forecasted $1.62 by 3.7%. These factors, combined with other market conditions, contributed to the earnings shortfall.</div> <div class="dialog_answer" data-v-0eba195e=""><div class="dialog_content" data-v-0eba195e=""><div class="answer_content" data-v-0eba195e=""></div></div></div></div></div> </div></div></div> </div> <div class="extra-module" data-v-261d488f=""><img src="//cdn.ainvest.com/frontResources/s/iwc-aime-seo/img/recommend-logo.4f9ccc8.png" alt="right-logo" fetchpriority="high" class="recommend-logo-img" data-v-261d488f=""> <div class="recommend-part" data-v-7790c618="" data-v-261d488f=""><div class="recommend-query-card" data-v-8359219a="" data-v-7790c618=""><div class="title" data-v-8359219a=""><img src="//cdn.ainvest.com/frontResources/s/iwc-aime-seo/img/screener-recommend-icon.b007ca8.svg" alt="icon" data-v-8359219a=""> <span data-v-8359219a="">Aime finds your next big stock</span></div> </div> <div class="recommend-query-card" data-v-8359219a="" data-v-7790c618=""><div class="title" data-v-8359219a=""><img src="//cdn.ainvest.com/frontResources/s/iwc-aime-seo/img/stock-recommend-icon.77f1c78.svg" alt="icon" data-v-8359219a=""> <span data-v-8359219a="">Aime powers your decisions</span></div> </div></div> </div> <div class="container-mask" style="display:none;"></div></div></div></div><script>window.__NUXT__=(function(a,b,c,d,e,f,g,h,i,j,k,l,m,n,o,p,q,r,s,t,u,v,w,x,y,z,A,B,C,D,E,F,G,H,I,J,K,L,M,N,O,P,Q,R,S,T,U,V,W,X,Y,Z,_,$,aa,ab,ac,ad,ae,af,ag,ah,ai,aj,ak,al,am,an){return {layout:"default",data:[{noData:c,currentQuestion:g,textDescription:G,comeFrom:"AInvestShareLink",events:[],answerSource:m}],fetch:{},error:n,state:{sharePreviewModule:{loadJgySuccess:j,dialogRenderList:[{originAnswer:{input_media_info:[],session_round:1,agent_id:a,output_media_info:[],task_id:a,language:a,source:m,cache_builder:a,reply_action:"Answer",execute_mode:z,event_refresh_answer:a,param:"{\"entity_info\":{},\"add_info\":{\"ori_question\":\"What caused AFL's dramatic Q3 earnings miss?\"},\"event_list\":[],\"client_ip\":\"\",\"question\":\"What caused AFL's dramatic Q3 earnings miss?\",\"user_id\":\"dp93670187\",\"user_name\":\"\",\"trace_id\":\"9e7e8cb7-3492-4052-8750-b64897bcaf64\",\"session_id\":\"9e7e8cb7-3492-4052-8750-b64897bcaf64\",\"source\":\"ths_ainvest_lite_web\",\"input_type\":\"typewrite\"}",agent_info:[{info_type:"search",raw_data:{number:u,title:H,summary:I,full_summary:"Valued at $57.5 billion by market cap, Aflac Incorporated AFL provides supplemental health and life insurance products. Headquartered in Columbus, Georgia, AFL is the largest provider of supplemental insurance. Its products include accident and disability, cancer expense, short-term disability, sickness and hospital indemnity, hospital intensive care, and fixed-benefit dental plans. Shares of this leading supplemental insurer have outperformed the broader market over the past year. AFL has gained 31.2% over this time frame, while the broader S&P 500 Index ($SPX) has rallied nearly 20.7%. However, in 2025, AFL stock is down marginally, lagging behind SPX’s 3.1% rise on a YTD basis. Zooming in further, AFL has also outpaced iShares U.S. Insurance ETF IAK. The exchange-traded fund has gained about 19.2% over the past year. But, AFL’s gains on a YTD basis slightly lag behind the ETF’s 1.4% returns over the same time frame. Aflac's current robust price momentum can be attributed to its solid demand and a recent 16% dividend increase for Q1 2025, marking its 42nd consecutive annual dividend hike, which underscores its strong financial health and shareholder commitment. Aflac reported its Q4 2024 results on Feb. 5, with revenue rising to $5.4 billion, surpassing estimates by 28.6%. However, adjusted EPS came in at $1.56, missing the forecasted $1.62 by 3.7%, as margin pressures and currency fluctuations weighed on profitability despite strong top-line growth. As a result, AFL shares dropped 3.9% in the following trading session. For the current fiscal year, ending in December, analysts expect AFL’s EPS to fall 4.9% year over year to $6.86 on a diluted basis. The company’s earnings surprise history is mixed. It beat the consensus estimate in three of the last four quarters while missing the forecast on another occasion. 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caused AFL's dramatic Q3 earnings miss?","other\u002FopenAnswer","9e7e8cb7-3492-4052-8750-b64897bcaf64",0,"thinking","llm_generated","ths_ainvest_lite_web",null,"cab6be957c20f966","signal","📈 What guidance did AFL provide for future earnings?","〽️ What were the key factors that contributed to AFL's earnings miss in Q3?","📊 How has AFL's stock price reacted to the earnings miss?","STR",3,"dp93670187","Searching Web",999,"auto","agent","explain news events","The user wants to analyze why AFL's Q3 earnings were below expectation. I should focus on its actual and estimated earnings, and then use Search to find the reason behind corresponding earnings. I will use FinQuery for the data mentioned above; use Search for the reason; use StockNews for news of the company and market around Q3.",2001,"rich_text","39196","\u002F\u002Fcdn.ainvest.com\u002FfrontResources\u002Fs\u002Ffoiegras\u002FrecommendList\u002F1.12.0\u002FrecommendList@1.12.0index.js","Aflac's Q3 earnings miss was caused by margin pressures and currency fluctuations, which impacted profitability despite strong top-line growth. The company's revenue rose to $5.4 billion, surpassing estimates by 28.6%, but adjusted EPS came in at $1.56, missing the forecasted $1.62 by 3.7%. These factors, combined with other market conditions, contributed to the earnings shortfall.","Aflac Stock: Analyst Estimates & Ratings","Valued at $57.5 billion by market cap, Aflac Incorporated AFL provides supplemental health and life insurance products. Headquartered in Columbus, Georgia, AFL is the largest provider of supplemental insurance. Its products include accident and disability, cancer expense, short-term disability, sick...","https:\u002F\u002Fwww.tradingview.com\u002Fnews\u002Fbarchart:361ccd70d094b:0-aflac-stock-analyst-estimates-ratings\u002F","2025-03-30","oeqxkhszf","oeqxkhszf_layer","base","agent_common_v2\nagent-summary","normal_agent","NONE","typewrite",1743856413872,"stock","169","Querying Stock","I was unable to obtain the actual and estimated earnings of AFL in Q3 2025 using FinQuery, now I will try again using Search.","Aflac's Q3 earnings miss was caused by margin pressures and currency fluctuations, which impacted profitability despite strong top-line growth. The company's revenue rose to $5.4 billion, surpassing estimates by 28.6%, but adjusted EPS came in at $1.56, missing the forecasted $1.62 by 3.7%[^3]",". 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