Aflac vs H&M (Hennes & Mauritz)

About

Aflac Incorporated is a Columbus, Georgia-based supplemental health and life insurance company — publicly traded on the New York Stock Exchange (NYSE: AFL) as an S&P 500 Financials component — providing voluntary, payroll-deducted supplemental insurance policies that pay cash benefits directly to policyholders when they experience a covered illness, injury, or medical event, operating in the United States and Japan through approximately 11,500 employees and 70,000+ US agents and brokers. Aflac is the largest supplemental insurance provider in the United States and the largest insurance company in Japan (where approximately 1 in 4 Japanese households holds an Aflac policy). In fiscal year 2024, Aflac reported full-year revenue of $19.13 billion and net income of $5.44 billion, with Q4 2024 revenues of $5.4 billion and net earnings of $1.9 billion ($3.42 diluted EPS) — and the company announced a 16% dividend increase for Q1 2025, reflecting the business's strong capital generation. CEO Dan Amos has led Aflac since 1990, building one of the most recognized insurance brands globally through the Aflac Duck mascot (introduced 2000) that made Aflac's name synonymous with voluntary supplemental insurance in the United States. Aflac Japan generates the majority of Aflac's earnings through cancer insurance, medical insurance, and income support policies sold through bank channel partnerships (Japan Post Bank, major regional banks) and traditional agents.