Aflac Inc

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  • uploads///AFL
    Company & Industry Overviews

    Aflac: Institutional Investors’ Activity

    Together, the top ten institutional investors in Aflac (AFL) bought 1.8 million shares in the first quarter.

    By Rekha Khandelwal, CFA
  • uploads///PRU
    Company & Industry Overviews

    How Prudential’s US Individual Solutions Division Performed

    Prudential’s Individual Annuities segment generated adjusted operating income of $519 million in 1Q18 compared to $468 million in 1Q17.

    By Raymond Anderson
  • uploads///analysts
    Company & Industry Overviews

    What Analysts Are Saying about Prudential Financial

    Of the 18 analysts covering Prudential Financial (PRU) in April 2018, six have recommended “strong buy,” five have recommended “buy,” and seven have recommended “hold.”

    By Raymond Anderson
  • uploads///net income margin
    Company & Industry Overviews

    What Prudential Has in Mind for US Workplace Solutions

    Prudential Financial’s (PRU) US Workplace Solutions division comprises two businesses.

    By Raymond Anderson
  • uploads///PS
    Company & Industry Overviews

    What Prudential’s Planning for Its Investment Management Business

    Prudential’s investment management division is deploying money to expand its offerings and reach.

    By Raymond Anderson
  • uploads///PCF
    Company & Industry Overviews

    Prudential’s International Insurance Aims to Expand Reach

    In 4Q17, Prudential Financial’s (PRU) life planner operations’ adjusted operating income fell to $383 million from $395 million in 4Q16 due to foreign currency exchange, policies, and increased expenses.

    By Raymond Anderson
  • uploads///analysts
    Company & Industry Overviews

    Comparing AIG’s Ratings with Other Insurance Players

    Of 20 analysts tracking AIG, seven suggested a “strong buy,” nine recommended a “hold,” one suggested a “sell,” and three rated AIG stock as a “buy.”

    By Raymond Anderson
  • uploads///Rel val
    Company & Industry Overviews

    How Discounted Valuations Affected AIG in 3Q17

    On an NTM (next-12-months) basis, American International Group (AIG) has a price-to-earnings ratio of ~11.6x compared to its peers’ average of ~13.9x, which implies lower valuations.

    By Raymond Anderson
  • uploads///BVPS
    Company & Industry Overviews

    American International Group: New Chief Underwriting Officer

    In January 2018, Tom Bolt will become AIG’s chief underwriting officer. Bolt has more than 30 years of experience in the reinsurance and insurance industry.

    By Raymond Anderson
  • uploads///beta
    Company & Industry Overviews

    Behind AIG’s Life Insurance Division

    AIG’s Life Insurance division generated other income of $34.0 million in 9M17 versus $43.0 million in 9M16, which implies a substantial 21.0% fall.

    By Raymond Anderson
  • uploads///net income margin
    Company & Industry Overviews

    AIG’s Group Retirement Business Saw Rise in Premiums and Deposits

    In 9M17 and 9M16, American International Group’s (AIG) Group Retirement business garnered $21.0 million in premiums, reflecting no change.

    By Raymond Anderson
  • uploads///ROA
    Company & Industry Overviews

    How AIG’s Businesses Performed in 9M17

    American International Group’s (AIG) Liability and Financial Lines business saw a decline in net premiums earned to $6.5 billion in 9M17 from $8.1 billion in 9M16, reflecting a 20.0% fall.

    By Raymond Anderson
  • uploads///Rel val
    Earnings Report

    Analyzing Prudential’s Valuations after 3Q17

    Prudential Financial declared a quarterly dividend of $0.75 per share on November 14, 2017. This quarterly dividend would be paid on December 14, 2017.

    By Raymond Anderson
  • uploads///EBITDA margin
    Earnings Report

    Prudential’s Gibraltar Life Division’s Adjusted Operating Income Rose

    Prudential’s Gibraltar Life and Other operations witnessed a marginal decline in its revenues from ~$2.9 billion in 3Q16 to ~$2.8 billion in 3Q17.

    By Raymond Anderson
  • uploads///ROA
    Earnings Report

    Behind Prudential’s Individual Life Insurance Division

    Prudential Financial’s (PRU) Individual Life Insurance division reported adjusted operating income of $150.0 million in 3Q17 compared to $111.0 million in 3Q16.

    By Raymond Anderson
  • uploads///market cap
    Earnings Report

    Behind Prudential’s Individual Annuities Division

    Prudential’s Individual Annuities division reported gross sales of $1.3 billion in 3Q17 compared to $2.1 billion in 3Q16.

    By Raymond Anderson
  • uploads///beta
    Earnings Report

    Prudential Financial Sees a Marginal Decline in Total Revenues

    Prudential Financial (PRU) reported a marginal decline in its total revenues from $16.9 billion in 3Q16 to $16.3 billion in 3Q17, which is primarily due to declining premiums.

    By Raymond Anderson
  • uploads///rel val
    Financials

    Understanding the Total Asset Balances of Insurance Giants

    As of December 31, 2016, Chubb (CB) had total assets totaling $159.7 billion, compared with its total assets of $162.9 billion as of June 30, 2017.

    By Raymond Anderson
  • uploads///DY AFL
    Financials

    Dividend Yield of Aflac

    This year marks Aflac’s (AFL) 35th successive year of dividend growth. But its operating cash flow has shown a declining trend over the years.

    By Amanda Lawrence
  • uploads///Big players
    Macroeconomic Analysis

    Financial Markets and Reinsurance Impact Life Insurance Growth

    The US life insurance industry is the largest in the world. It garners a total direct written premium of above $600 billion annually.

    By Robert Karr
  • uploads///Scout International Fund Vs Peers
    Company & Industry Overviews

    UMBWX’s Volatility Is Low, but Other Key Metrics Are Shaky

    The Scout International Fund (UMBWX) is invested in stocks of companies like Syngenta (SYT), Aflac (AFL), ABB (ABB), Barclays (BCS), and Novartis (NVS).

    By David Ashworth
  • uploads///Ch
    Macroeconomic Analysis

    Insurance Stocks: Power Play on Rising Interest Rates

    Interest rates are a key performance driver for life insurance stocks. Rates affect margins, hedging costs, and product sales.

    By Rebecca Keats
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    Fund Managers

    Magnetar Eliminates Exposure to MetLife

    MetLife (MET) is a global insurance company that operates in several countries around the world. It reported operating earnings of $1.6 billion in 4Q14.

    By Santiago Solari
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    Company & Industry Overviews

    A Closer Look at Prudential Financial’s Share Price Performance

    Life insurers have underperformed the market due to negative news regarding macroeconomic situations, low interest rates, and regulatory uncertainties.

    By Sean Millard
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    Company & Industry Overviews

    Prudential Financial Enjoys Strong Solvency Ratios

    Prudential has comfortable solvency positions in its subsidiaries. In the US, Prudential Insurance’s solvency ratio was well above the target ratio of 400%.

    By Sean Millard
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    Company & Industry Overviews

    Prudential’s International Business Sees Strong Profitability

    Prudential’s International Insurance business saw improved profitability after the acquisition of AIG Star and AIG Edison in 2011.

    By Sean Millard
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    Company & Industry Overviews

    Stable Top-Line Evolution in Prudential’s International Business

    Prudential’s third-party distribution channels provide access to a larger customer base, supplementing its captive distribution channels.

    By Sean Millard
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    Company & Industry Overviews

    Japan: An Attractive Insurance Market for Prudential Financial

    Since the Japanese market is mature and characterized by competitive pricing, Prudential competes in this market through customer service and distribution.

    By Sean Millard
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    Company & Industry Overviews

    Acquisitions Drive Growth in Prudential’s International Business

    Setting up business operations in fast-growing emerging markets remains a key trend among insurers who primarily operate in mature markets.

    By Sean Millard
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    Company & Industry Overviews

    Prudential Financial’s US Distribution Network

    Prudential’s customer base includes over 30 million individual customers and 25,000 corporate clients, consisting of more than half of the Fortune 500 list.

    By Sean Millard
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    Company & Industry Overviews

    MetLife’s return on equity within target range

    MetLife’s return on equity evolution shows recovery from 2008–2009 levels, although it has yet to reach that of the pre-crisis periods.

    By Sean Millard
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    Company & Industry Overviews

    MetLife develops its employee benefits business across the globe

    Latin America is a major contributor to MetLife’s business unit, with nearly half the revenue. EMEA follows, with a share of revenues of ~40% in 2013.

    By Sean Millard
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    Company & Industry Overviews

    MetLife is delivering well in the strategy front

    MetLife targeted $1 billion in expense savings, which the company is on track to achieve in 2015. Cumulative expense savings in 2014 exceeded $910 million.

    By Sean Millard
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    Company & Industry Overviews

    MetLife’s Asia business show growth prospects

    Contributing ~20% to the group’s operating earnings, the Asia business segment remains a key profit driver of MetLife.

    By Sean Millard
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    Company & Industry Overviews

    MetLife’s US Retail business becomes a profitable franchise

    MetLife is working to develop direct sales channels, which would reduce the share of agent commissions in operating costs.

    By Sean Millard
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    Company & Industry Overviews

    MetLife is a leading player in the US insurance industry

    MetLife intends to grow its retail business and expects low single-digit growth in the long term.

    By Sean Millard
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    Company & Industry Overviews

    MetLife – A globally diversified insurance company

    MetLife is a market leader in the US and the largest life insurer in Mexico and Chile. It is among the leading players in Japan, Korea, and Poland.

    By Sean Millard
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    Financials

    How valuation of insurance companies works

    Financial market movements not only impact income from invested assets, but also the value of assets carried at fair value on an insurer’s balance sheet.

    By Sean Millard
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    Consumer

    An insurer’s investments: Dominated by debt securities

    A large portion of an insurer’s balance sheet contains lower-risk assets such as government bonds and high-grade corporate bonds.

    By Sean Millard
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    Financials

    What impacts an insurer’s profits?

    In 2013, the top ten life and health insurance companies had just above 50% market share in terms of direct premiums written.

    By Sean Millard
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    Energy & Utilities

    How key drivers impact insurance sales

    For P&C insurers such as AIG and ACE, various mandatory requirements may drive sales of vehicle, workers’ compensation, and homeowners insurance.

    By Sean Millard
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    Energy & Utilities

    Life insurance, P&C insurance, and reinsurance

    P&C products have commoditized characteristics, resulting in sharp competition in the market and business cycles. AIG and ACE are key players in this space.

    By Sean Millard
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