AFLAC INC

Accident & Health Insurance·COLUMBUS, GA·FY end 12/31·CIK 4977

CEO Pay Ratio

396:1

Daniel P. Amos

CEO Total Comp

$25.0M

Daniel P. Amos

Median Employee

$63,153

Revenue

$17.2B

FY 2025

Net Income

$3.6B

FY 2025

Free Cash Flow

—

FY 2025

Net Margin

21.2%

Insider Net (180d)

0 buys / 0 sales

CEO Pay Accountability

CEO comp as % of net income

0.69%

For every $1,000 of profit, $6.87 flows to the CEO.

CEO comp as % of buybacks

0.71%

CEO comp equals 7.1‰ of cash returned to shareholders via buybacks.

5-year history · USD

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	Trend
Revenue	$17.2B	$18.9B	$3.8B	$19.5B	$22.1B
Gross Profit	—	—	—	—	—	—
Operating Income	—	—	—	$4.2B	$4.9B
Net Income	$3.6B	$5.4B	$4.7B	$4.2B	$4.3B
Operating CF	$2.6B	$2.7B	$3.2B	$3.9B	$5.1B
Capex	—	—	—	—	—	—
Free Cash Flow	—	—	—	—	—	—
Buybacks	$3.5B	$2.8B	$2.8B	$2.4B	$2.3B
Dividends	—	—	—	—	—	—

Gross Margin	—	—	—	—	—	—
Operating Margin	—	—	—	21.3%	22.3%
Net Margin	21.2%	28.8%	123.4%	21.5%	19.6%
FCF Margin	—	—	—	—	—	—
R&D / Revenue	—	—	—	—	—	—
Effective Tax	19.6%	15.2%	7.3%	—	—
Debt / Equity	—	—	—	—	—	—
Buybacks / FCF	—	—	—	—	—	—

FY 2025

Executive	Salary	Stock	Options	Bonus / Inc.	Other	Total
Daniel P. AmosChairman and CEO	$1.4M	$11.3M	—	$6.4M	$5.9M	$25.0M
Max K. BrodénSenior Executive Vice President, CFO	$925.0K	$3.1M	—	$2.8M	$821.6K	$7.6M
Virgil R. MillerPresident, Aflac Incorporated and Aflac U.S.	$825.0K	$3.5M	—	$1.9M	$579.9K	$6.9M
Bradley E. DyslinExecutive Vice President, Global Chief Investment Officer; President, Aflac Global Investments	$765.0K	$2.9M	—	$2.6M	$553.0K	$6.8M
Audrey Boone TillmanSenior Executive Vice President, General Counsel	$825.0K	$2.8M	—	$1.8M	$646.5K	$6.0M