What is the current annual net margin of AFL?

As of today, AFL annual net margin is 28.76%

What is 1-year change in AFL annual net margin?

AFL annual net margin is up +15.46% year-over-year

What is 3-year change in AFL annual net margin?

AFL annual net margin is up +47.03% over the past 3 years

How far is AFL annual net margin from its all-time high?

AFL annual net margin is currently at its all-time high

How does AFL annual net margin rank versus sector peers?

AFL annual net margin is higher than 86.47% of companies in Financial Services sector

When is AFL next annual earnings release?

The next annual earnings release for AFL is on February 4, 2026

What is the current quarterly net margin of AFL?

As of today, AFL quarterly net margin is 34.77%

What is AFL quarterly net margin most recent change?

AFL quarterly net margin was up +141.46% on September 30, 2025

What is 1-year change in AFL quarterly net margin?

AFL quarterly net margin is up +1203.81% year-over-year

How far is AFL quarterly net margin from its all-time high?

AFL quarterly net margin is currently -26.98% below its historical high of 47.62% set on December 31, 2017

How does AFL quarterly net margin rank versus sector peers?

AFL quarterly net margin is higher than 91.62% of companies in Financial Services sector

When is AFL next earnings release?

The next earnings release for AFL is on February 4, 2026

AFL Net Margin History & Chart Since 1980

Annual Net Margin

28.76%3.85%+15.46%

December 31, 2024

Summary

Current Value: As of today, AFL annual net margin is 28.76%, up +15.46% on December 31, 2024
Historical Performance: AFL annual net margin is up +47.03% over the past 3 years, and up +94.19% over the past 5 years
All-Time High Comparison: AFL annual net margin is currently at its all-time high
3-Year Low Comparison: AFL annual net margin is +24.61% above its 3-year low of 23.08% reached on an earlier date
Sector Comparison: AFL annual net margin is higher than 86.47% of companies in Financial Services sector

Net Margin Chart

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Series

Performance

AFL Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 24	28.76%	+15.5%	+47.0%	+94.2%	+276.4%
Quarterly Net Margin	Sep 30, 25	34.77%	+1203.8%	-8.2%	-19.8%	+171.8%
Price	Jan 29, 26	$110.51	+2.7%	+51.6%	+144.6%	+287.8%
PE Ratio	Jan 29, 26	14.41	+28.7%	+36.5%	+113.5%	+25.5%
Annual Revenue	Dec 31, 24	$18.93B	+1.2%	-14.4%	-15.2%	-3.4%
Annual Net Income	Dec 31, 24	$5.44B	+16.8%	+25.9%	+64.7%	+263.6%
Annual Gross Margin	Dec 31, 24	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 24	34.94%	+19.7%	+37.7%	+66.8%	+87.5%

Net Margin Highs

AFL Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	28.76%	Dec 31, 24	at high
5Y	28.76%	Dec 31, 24	at high
All	28.76%	Dec 31, 24	at high

Net Margin Lows

AFL Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	23.08%	N/A	+24.6%
5Y	19.56%	Dec 31, 21	+47.0%
All	3.32%	Dec 31, 89	+766.3%

Net Margin History

Year	Value	Change
2024	28.76%	+15.5%
2023	24.91%	+7.9%
2022	23.08%	+18.0%
2021	19.56%	-9.3%
2020	21.57%	+45.6%
2019	14.81%	+10.4%
2018	13.42%	-36.8%
2017	21.25%	+80.2%
2016	11.79%	-2.9%
2015	12.14%	-6.5%
2014	12.98%	-1.6%
2013	13.19%	+16.7%
2012	11.30%	+29.3%
2011	8.74%	-22.7%
2010	11.31%	+48.0%
2009	7.64%	+5.4%
2008	7.25%	-31.6%
2007	10.60%	+4.4%
2006	10.15%	-1.7%
2005	10.33%	+8.4%
2004	9.53%	+37.1%
2003	6.95%	-13.1%
2002	8.00%	+11.7%

Year	Value	Change
2001	7.16%	+1.3%
2000	7.07%	+7.0%
1999	6.61%	-3.6%
1998	6.86%	-18.1%
1997	8.38%	+49.6%
1996	5.60%	+15.5%
1995	4.85%	+1.3%
1994	4.79%	-1.8%
1993	4.88%	+6.1%
1992	4.60%	+1.5%
1991	4.53%	+3.4%
1990	4.38%	+31.9%
1989	3.32%	-29.2%
1988	4.69%	-13.8%
1987	5.44%	-24.3%
1986	7.19%	+25.7%
1985	5.72%	-14.6%
1984	6.70%	+46.9%
1983	4.56%	+7.8%
1982	4.23%	+19.2%
1981	3.55%	-14.9%
1980	4.17%	-

FAQ

What is the current annual net margin of AFL?
As of today, AFL annual net margin is 28.76%
What is 1-year change in AFL annual net margin?
AFL annual net margin is up +15.46% year-over-year
What is 3-year change in AFL annual net margin?
AFL annual net margin is up +47.03% over the past 3 years
How far is AFL annual net margin from its all-time high?
AFL annual net margin is currently at its all-time high
How does AFL annual net margin rank versus sector peers?
AFL annual net margin is higher than 86.47% of companies in Financial Services sector
When is AFL next annual earnings release?
The next annual earnings release for AFL is on February 4, 2026

Quarterly Net Margin

34.77%20.37%+141.46%

September 30, 2025

Summary

Current Value: As of today, AFL quarterly net margin is 34.77%, up +141.46% on September 30, 2025
Historical Performance: AFL quarterly net margin is up +1203.81% year-over-year, and down -8.16% over the past 3 years
All-Time High Comparison: AFL quarterly net margin is currently -26.98% below its historical high of 47.62% set on December 31, 2017
3-Year Low Comparison: AFL quarterly net margin is +1203.81% above its 3-year low of -3.15% reached on September 30, 2024
Sector Comparison: AFL quarterly net margin is higher than 91.62% of companies in Financial Services sector

Performance

AFL Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Sep 30, 25	34.77%	+141.5%	+1203.8%	-8.2%	-19.8%
Annual Net Margin	Dec 31, 24	28.76%	–	+15.5%	+47.0%	+94.2%
Price	Jan 29, 26	$110.51	+4.5%	+2.7%	+51.6%	+144.6%
PE Ratio	Jan 29, 26	14.41	+4.6%	+28.7%	+36.5%	+113.5%
Quarterly Revenue	Sep 30, 25	$4.74B	+13.9%	+60.7%	+0.8%	-16.3%
Quarterly Net Income	Sep 30, 25	$1.64B	+173.6%	+1862.4%	-8.0%	-33.3%
Quarterly Gross Margin	Sep 30, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Sep 30, 25	42.96%	+104.5%	+791.3%	+45.6%	+100.1%

Quarterly Net Margin Highs

AFL Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	35.20%	N/A	-1.2%
3Y	35.20%	Dec 31, 24	-1.2%
5Y	37.86%	Sep 30, 22	-8.2%
All	47.62%	Dec 31, 17	-27.0%

Quarterly Net Margin Lows

AFL Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	0.85%	Mar 31, 25	+3990.6%
3Y	-3.15%	Sep 30, 24	+1203.8%
5Y	-3.15%	Sep 30, 24	+1203.8%
All	-3.15%	Sep 30, 24	+1203.8%

Quarterly Net Margin History

Month	Value	Change
Sep 2025	34.77%	+141.5%
Jun 2025	14.40%	+1,594.1%
Mar 2025	0.85%	-97.6%
Dec 2024	35.20%	+1,217.5%
Sep 2024	-3.15%	-109.2%
Jun 2024	34.16%	-1.2%
Mar 2024	34.57%	+387.6%
Dec 2023	7.09%	-77.6%
Sep 2023	31.70%	+0.3%
Jun 2023	31.59%	+27.6%
Mar 2023	24.75%	+399.0%
Dec 2022	4.96%	-86.9%
Sep 2022	37.86%	+44.3%
Jun 2022	26.23%	+29.6%
Mar 2022	20.24%	+5.9%
Dec 2021	19.11%	+12.7%
Sep 2021	16.96%	-14.6%
Jun 2021	19.86%	-9.9%
Mar 2021	22.03%	+36.8%
Dec 2020	16.10%	-62.9%
Sep 2020	43.35%	+191.1%
Jun 2020	14.89%	+35.9%
Mar 2020	10.96%	-21.4%
Dec 2019	13.94%	-0.7%
Sep 2019	14.04%	-5.3%
Jun 2019	14.82%	-9.6%
Mar 2019	16.40%	+60.2%
Dec 2018	10.24%	-32.4%
Sep 2018	15.15%	+1.7%
Jun 2018	14.89%	+13.5%
Mar 2018	13.12%	-72.4%
Dec 2017	47.62%	+266.3%
Sep 2017	13.00%	-1.1%
Jun 2017	13.14%	+17.8%
Mar 2017	11.15%	-11.6%
Dec 2016	12.61%	+14.6%
Sep 2016	11.00%	+9.1%
Jun 2016	10.08%	-24.8%
Mar 2016	13.41%	-2.3%
Dec 2015	13.72%	+22.0%
Sep 2015	11.25%	+3.8%
Jun 2015	10.84%	-14.6%
Mar 2015	12.69%	-0.5%
Dec 2014	12.75%	+3.6%
Sep 2014	12.31%	-11.2%
Jun 2014	13.87%	+6.9%
Mar 2014	12.98%	+11.5%
Dec 2013	11.64%	-2.4%
Sep 2013	11.93%	-18.9%
Jun 2013	14.71%	+2.4%
Mar 2013	14.37%	+57.7%
Dec 2012	9.11%	-38.7%
Sep 2012	14.85%	+81.5%
Jun 2012	8.18%	-35.0%
Mar 2012	12.58%	+39.8%
Dec 2011	9.00%	-26.8%
Sep 2011	12.29%	+128.0%
Jun 2011	5.39%	-29.1%
Mar 2011	7.60%	-7.9%
Dec 2010	8.25%	-35.5%
Sep 2010	12.79%	+9.6%
Jun 2010	11.67%	-7.1%
Mar 2010	12.56%	+147.7%
Dec 2009	5.07%	-31.7%
Sep 2009	7.42%	+10.9%
Jun 2009	6.69%	-40.8%
Mar 2009	11.30%	+165.9%
Dec 2008	4.25%	+72.8%
Sep 2008	2.46%	-77.9%
Jun 2008	11.14%	+0.3%
Mar 2008	11.11%	+16.6%
Dec 2007	9.53%	-12.4%
Sep 2007	10.88%	-1.4%
Jun 2007	11.03%	-0.5%
Mar 2007	11.09%	+22.8%
Dec 2006	9.03%	-9.6%
Sep 2006	9.99%	-9.5%
Jun 2006	11.04%	+4.7%
Mar 2006	10.54%	+3.3%
Dec 2005	10.20%	-17.7%
Sep 2005	12.40%	+31.6%
Jun 2005	9.42%	+2.4%
Mar 2005	9.20%	-22.6%
Dec 2004	11.89%	+31.2%

Month	Value	Change
Sep 2004	9.06%	+13.5%
Jun 2004	7.98%	-17.0%
Mar 2004	9.62%	+275.8%
Dec 2003	2.56%	-68.4%
Sep 2003	8.10%	-6.6%
Jun 2003	8.67%	+2.7%
Mar 2003	8.44%	+20.9%
Dec 2002	6.98%	-21.3%
Sep 2002	8.87%	+5.1%
Jun 2002	8.44%	+11.5%
Mar 2002	7.57%	+11.7%
Dec 2001	6.78%	-14.1%
Sep 2001	7.89%	+21.0%
Jun 2001	6.52%	-11.3%
Mar 2001	7.35%	+10.2%
Dec 2000	6.67%	+1.2%
Sep 2000	6.59%	-23.1%
Jun 2000	8.57%	+31.6%
Mar 2000	6.51%	+51.0%
Dec 1999	4.31%	-34.3%
Sep 1999	6.56%	+2.5%
Jun 1999	6.40%	-33.1%
Mar 1999	9.57%	+59.8%
Dec 1998	5.99%	-5.4%
Sep 1998	6.33%	+5.0%
Jun 1998	6.03%	-34.0%
Mar 1998	9.13%	+67.5%
Dec 1997	5.45%	+1.5%
Sep 1997	5.37%	-69.1%
Jun 1997	17.39%	+229.4%
Mar 1997	5.28%	-28.6%
Dec 1996	7.39%	+48.4%
Sep 1996	4.98%	+1.2%
Jun 1996	4.92%	-1.6%
Mar 1996	5.00%	+4.0%
Dec 1995	4.81%	-1.0%
Sep 1995	4.86%	+1.0%
Jun 1995	4.81%	-2.8%
Mar 1995	4.95%	+4.7%
Dec 1994	4.73%	-0.4%
Sep 1994	4.75%	+1.5%
Jun 1994	4.68%	-6.8%
Mar 1994	5.02%	+2.0%
Dec 1993	4.92%	-0.2%
Sep 1993	4.93%	+3.8%
Jun 1993	4.75%	-18.1%
Mar 1993	5.80%	+27.2%
Dec 1992	4.56%	-2.4%
Sep 1992	4.67%	+0.6%
Jun 1992	4.64%	+2.2%
Mar 1992	4.54%	-2.4%
Dec 1991	4.65%	0.0%
Sep 1991	4.65%	+5.0%
Jun 1991	4.43%	+1.4%
Mar 1991	4.37%	-2.0%
Dec 1990	4.46%	+2.3%
Sep 1990	4.36%	-2.7%
Jun 1990	4.48%	+6.9%
Mar 1990	4.19%	+3.5%
Dec 1989	4.05%	+0.7%
Sep 1989	4.02%	+930.8%
Jun 1989	0.39%	-91.8%
Mar 1989	4.73%	+7.3%
Dec 1988	4.41%	-10.5%
Sep 1988	4.93%	+6.9%
Jun 1988	4.61%	-3.8%
Mar 1988	4.79%	-2.0%
Dec 1987	4.89%	-10.1%
Sep 1987	5.44%	+8.8%
Jun 1987	5.00%	+9.9%
Mar 1987	4.55%	-13.7%
Dec 1986	5.27%	-6.1%
Sep 1986	5.61%	-4.8%
Jun 1986	5.89%	+5.2%
Mar 1986	5.60%	-7.4%
Dec 1985	6.05%	+4.7%
Sep 1985	5.78%	+2.8%
Jun 1985	5.62%	+8.9%
Mar 1985	5.16%	-12.2%
Dec 1984	5.88%	+7.5%
Sep 1984	5.47%	+12.1%
Jun 1984	4.88%	+5.2%
Mar 1984	4.64%	-

FAQ

What is the current quarterly net margin of AFL?
As of today, AFL quarterly net margin is 34.77%
What is AFL quarterly net margin most recent change?
AFL quarterly net margin was up +141.46% on September 30, 2025
What is 1-year change in AFL quarterly net margin?
AFL quarterly net margin is up +1203.81% year-over-year
How far is AFL quarterly net margin from its all-time high?
AFL quarterly net margin is currently -26.98% below its historical high of 47.62% set on December 31, 2017
How does AFL quarterly net margin rank versus sector peers?
AFL quarterly net margin is higher than 91.62% of companies in Financial Services sector
When is AFL next earnings release?
The next earnings release for AFL is on February 4, 2026

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

AFL Official Website www.aflac.com
Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/4977/000162828025049279/0001628280-25-049279-index.htm
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/4977/000000497725000047/0000004977-25-000047-index.htm
AFL Profile on Yahoo Finance finance.yahoo.com/quote/AFL
AFL Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/afl