AFLAC 853081 - Versicherungsaktie mit super langfristperformance - 500 Beiträge pro Seite

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Unten der AFLAC-Langfristchart seit 1974. Warum kauft da noch jemand ALLIANZ????
Mich würde interessieren, ob es hier Leute gibt, die die Aktie kennen bzw. investiert sind.
Vielleicht kommt ja ne kleine Diskussion zustande. Wäre schön.
Aflac, das US-Vesicherungsunternehmen wächst schon seit Jahrzehnten mit konstanten Raten, jedes Jahr Gewinnzuwachs. Zudem noch in Japan stark aktiv mit Krankenzusatzversicherungen, über 50% der Umsätze werden in Japan generiert.
KGV bei rd. 12, so niedrig wie schon lange nicht mehr...
Der Kursverlauf ist in letzter zeit etwas ins Stocken geraten, weil zwischenzeitlich die Geschäfte in Japan nicht mehr so gut laufen, jedoch hat das management bestätigt, dass dies nur vorübergehender natur ist und es im 2. halbjahr 2007 wieder in alte Fahrwasser zurückkehrt.
Ich bin schon lange dabei und bereue es keinen Tag.
Aktuell eine gute gelegenheit zum Kaufen oder Aufstocken!

Gruss space

[spaceistheplace]

Antwort auf Beitrag Nr.: 27.504.886 von spaceistheplace am 08.02.07 10:15:06

hier der text noch mal in eng...
Unten der AFLAC-Langfristchart seit 1974. Warum kauft da noch jemand ALLIANZ????
Mich würde interessieren, ob es hier Leute gibt, die die Aktie kennen bzw. investiert sind.
Vielleicht kommt ja ne kleine Diskussion zustande. Wäre schön.
Aflac, das US-Vesicherungsunternehmen wächst schon seit Jahrzehnten mit konstanten Raten, jedes Jahr Gewinnzuwachs. Zudem noch in Japan stark aktiv mit Krankenzusatzversicherungen, über 50% der Umsätze werden in Japan generiert.
KGV bei rd. 12, so niedrig wie schon lange nicht mehr...
Der Kursverlauf ist in letzter zeit etwas ins Stocken geraten, weil zwischenzeitlich die Geschäfte in Japan nicht mehr so gut laufen, jedoch hat das management bestätigt, dass dies nur vorübergehender natur ist und es im 2. halbjahr 2007 wieder in alte Fahrwasser zurückkehrt.
Ich bin schon lange dabei und bereue es keinen Tag.
Aktuell eine gute gelegenheit zum Kaufen oder Aufstocken!

Gruss space

[spaceistheplace]

und der chart ist zu groß geraten...

[spaceistheplace]

Japan's Financial Services Agency Extends Deadline on Industrywide Claims Review
COLUMBUS, Ga., Feb 08, 2007 /PRNewswire-FirstCall via COMTEX News Network/ -- Aflac Incorporated announced today that its operation in Japan has received notification from Japan's Financial Services Agency (FSA) that the deadline for a five-year claims review already in progress has been extended.
As Aflac Incorporated had previously disclosed, Aflac Japan, along with other life insurance companies, had already initiated a voluntary review of the last five years of paid claims to assess the accuracy with which policyholders' claims have been paid. Aflac had planned on reporting its findings to the FSA on March 31, 2007. The recent notification from the FSA, which now includes a review of cash surrender value payments, changes this voluntary program to one that is mandatory and extends the filing deadline to April 13, 2007.

Aflac Chairman and CEO Dan Amos stated: "We are eager to comply with the request made by the FSA, and we have already made significant progress toward completing our claims review. As I have said repeatedly, Aflac is in the business of paying claims, not denying them. Paying claims promptly and fairly has always been, and continues to be, a fundamental element of our business. We look forward to the completion of this project to fully respond to the FSA's request."

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for six consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

(Logo: http://www.newscom.com/cgi-bin/prnh/20041202/CLTH019LOGO )

Analyst and investor contact - Kenneth S. Janke Jr., 800.235.2667 - option 3, FAX: [phone], or [e-mail]

Media contact - Laura Kane, 706.596.3493, FAX: [phone], or [e-mail]

SOURCE Aflac

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Aflac Adopts Non-Binding 'Say On Pay' Shareholder Vote


COLUMBUS, Ga., Feb 14, 2007 /PRNewswire-FirstCall via COMTEX/ -- Aflac Incorporated today announced that the board of directors has approved a resolution giving shareholders a non-binding vote on executive compensation.
The board of directors set 2009 as the effective date because it will be the first year that executive compensation tables in the proxy statement will contain three years of data that reflect the Securities and Exchange Commission's new disclosure rules.
"Our shareholders, as owners of the company, have the right to know how executive compensation works," said Aflac Chairman and CEO Dan Amos. "The board's action is in keeping with Aflac's longstanding pay-for-performance compensation policy and our commitment to transparency at all levels.
"Our goal at Aflac has always been to be responsive to our shareholders. By generating strong earnings growth and consistently increasing cash dividends, we have provided shareholders with an excellent return on their investment over the long term. We have also followed best practices in corporate governance and maintained a positive brand and image for our company. We believe that providing an opportunity for an advisory vote on our compensation report is a helpful avenue for our shareholders to provide feedback on our pay-for-performance compensation philosophy and pay package."
Since Mr. Amos became chief executive officer in August 1990, Aflac's total return to shareholders, including reinvested cash dividends, has exceeded 2,770%, compared with 598% for the Dow Jones Industrial Average and 515% for the S&P 500. During the same period, the company's market value has grown from $1.2 billion to $22.7 billion. Total revenues have grown from $2.7 billion in 1990 to $14.6 billion in 2006.
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for six consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

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22.02.2007 22:16
Aflac CEO: I'll listen to shareholders
NEW YORK (AP) - The chairman and chief executive of Aflac Inc., (Nachrichten) which last week became the first U.S. company to adopt a rule giving its shareholders an advisory vote on executive pay, said he made his decision because 'I came to the conclusion that if shareholders want it, we need to do it.'

'The only people I'm really interested in as I deal with these issues are my shareholders,' said Daniel P. Amos, chairman and CEO of Aflac, a supplemental life insurance company famous for the quacking duck that stars in its TV ads. 'If the public loves me and the shareholders don't, they can fire me.'

'Say on pay' proposals, such as the one Aflac adopted, have become the top issue of this year's proxy season. Advisory votes on pay would give shareholders a chance to ratify -- or not-- pay packages a company's executives had already received. Rep. Barney Frank, D-Mass., chairman of the House Financial Services Committee, has said he plans to introduce legislation on advisory pay votes as soon as next week.

Amos said his first reaction to a shareholder proposal recommending an advisory vote on pay at the company was 'wondering if we had done something wrong.'

'It was the first shareholder proposal we've ever had,' Amos said in an interview Thursday. 'I didn't know exactly how to answer it.'

He said he called Boston Common Asset Management, which had made the proposal, asking why the management company had picked Aflac. Their response: This doesn't have anything to do with you, he said. The managers told him they'd made the same proposal at more than 60 other companies; after reviewing Aflac's pay methods they issued a press release saying they were 'impressed.'

Amos said he began talking to investors about the proposal, asking them, 'If I put this in, how are you going to vote?' He said investors reassured him that they would ratify the company's pay packages, but they nonetheless wanted a vote.

Amos said he is concerned that a new Securities and Exchange Committee regulation expanding the amount of disclosure companies must make about their executive pay will be more difficult for individual investors to read and understand. He said the executive compensation portion of the company's proxy filing will increase from three pages to roughly 18 pages because of the new rules.

'I believe institutions and large shareholders would read all that,' he said. 'I worried about individuals.'

After he and the board discussed this issue, they concluded, 'it's just too hard to explain to shareholders why they shouldn't be able to vote up or down,' he said. A 'no' vote by shareholders would not rescind pay.

Aflac's board of directors set 2009 as the effective date for the advisory vote because it will be the first year that the company's proxy will contain three years of data that reflect the SEC's expanded disclosure rules, making comparisons easier.


Copyright 2007 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

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Aflac Tops Fortune's Most Admired List as Best Innovator Among Life and Health Insurers
Aflac maintains its position as one of America's most admired companies for seven straight years.
COLUMBUS, Ga., March 6, 2007 /PRNewswire via COMTEX News Network/ -- For the seventh consecutive year, Aflac has been named by FORTUNE magazine as one of America's Most Admired Companies, maintaining its number one spot as the most innovative company in the life and health insurance category. The only Columbus, Ga.-based corporation to make the list, Aflac ranked among the top five companies within its industry. The complete list of the companies will appear in FORTUNE magazine's March 19 edition.

"It is always an honor to be recognized as a most admired company," Aflac Chairman and CEO Dan Amos said. "Aflac's mission of providing the best value to our customers by combining innovation with quality insurance products remains a priority for our organization."

Published annually by FORTUNE, the Most Admired list serves as a definitive report card on corporate reputations. To create the list, executives, directors, and analysts were asked to rate companies in their own industry on eight criteria -- innovation, people management, use of corporate assets, social responsibility, quality of management, financial soundness, long-term investment, and quality of products/services. A total of 616 companies in 68 industries were surveyed over the fourth quarter of 2006.

Aflac was one of 15 Georgia companies to make the list. In January, FORTUNE named Aflac as one of the best places to work for the ninth consecutive year.

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

Media Contact:
Mechell Clark
Aflac Incorporated
[phone]
[phone] (Fax)
[e-mail]

[Pontiuspilatus]

nachdem space im afl thread allein auf weitem flur steht werd ich auch mal ein bisschen posten

zuerst mal ein 10 Jahres chart vielleicht erkennt ja doch mal jemand die qualitäten dieses unternehmens. Mir ist es echt ein rätsel das man nirgends was über dieses absolute spitzenunternehmen hört das überdies krisenresistent und sehr defensiv ist.

[Pontiuspilatus]

ach ja falls nun jemand denken sollte der 10 jahres chart ist nicht aussagekräftig da zu kurz
dem stelle ich hier mal einen 33 jahre chart rein
ist jedoch in logarithmischer darstellung da es sonst zu extrem aussieht

[Pontiuspilatus]

Antwort auf Beitrag Nr.: 28.474.095 von Pontiuspilatus am 24.03.07 15:13:26

shit fehler gemacht. jetzt aber der richtige ultralangfristchart

[spaceistheplace]

Antwort auf Beitrag Nr.: 28.474.100 von Pontiuspilatus am 24.03.07 15:15:05

Danke Pontius...., tja, wie so oft hier schon geschrieben, es ist ein Jammer, dass sich kaum jemand für solche Qualitätstitel interessiert....
Der Chart ist mustergültig, wies besser nicht sein könnte. Die crashs sind nicht zu sehen etc. pp. stellt mal die Allianz daneben, da war bisher langfristig nichts zu verdienen. Okay, momentan läuft sie gut und ist evtl. gar ein kauf, aber trotzdem, Aflac ist die beste versicherungsaktie der Welt!

Gruss space

[spaceistheplace]

Solche Deppen, die werden sich noch wundern...
Gruss space

Aflac "underweight"

Thursday, April 12, 2007 6:09:05 AM ET
Lehman Brothers

NEW YORK, April 12 (newratings.com) - In a research note published yesterday, analyst Eric N Berg of Lehman Brothers maintains his "underweight" rating on Aflac Inc (AFL.NYS). The target price is set to $44.

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das müsste heute dem Kurs gut tun...

Aflac: Japan Unit Finds 19,169 Underpaid Claims4-13-07 8:38 AM EDT | E-mail Article | Print ArticleDOW JONES NEWSWIRES

Aflac Inc. (AFL) said an internal review of paid claims at its Aflac Japan unit found some cases in which it did not fully pay claims policyholders were entitled to receive.


The Columbus, Ga., holding company said it found a total of 19,169 errors, or 0.45% of total benefit payments made over the last five years.

The total amount of the additional payment for these claims is about Y1.9 billion, of which Y1 billion was provided for in Aflac's 2006 financial statements. The company has been contacting customers and paying the additional benefits.

Aflac said it reviewed its claims payment practices from April 2001 through March 2006 in compliance with an industry-wide order Japan's Financial Services Agency issued Feb. 1.

-Sara Leitch; 201-938-5400; [e-mail]


(END) Dow Jones Newswires
04-13-070838ET
Copyright (c) 2007 Dow Jones & Company, Inc.

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Pontius und ich sind ja jetzt schon hier seit ner ganzen Weile als Alleinunterhalter unterwegs. Gibts denn niemand mehr bei WO, der investiert ist? Das wäre ja grob fahrlässig...
Ich würde schon mal ein Einwurf begrüßen hier...

Gruss space

[Pontiuspilatus]

Ich denk wir sind hier wirklich allein space.
Die leute brauchen halt bei ihren investments den kick
eine so kontinuierlich unter geringen schwankungen kletternde aktie wie Aflac hat da einfach keine chance

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Antwort auf Beitrag Nr.: 28.869.635 von Pontiuspilatus am 17.04.07 21:34:10

ja , Du hast recht. AFLAC ist eben "langweilig" weil die Kurse nur langsam steigen...aber so was ist mir lieber!

Gruss space

[Pontiuspilatus]

besonders da das langsame steigen letzten endes nach einigen jahren wesentlich schneller ist als das schnelle

Aflac jedenfalls hat bis jetzt langfristig alles hinter sich gelasen.

[spaceistheplace]

Antwort auf Beitrag Nr.: 28.884.639 von Pontiuspilatus am 18.04.07 19:08:20

ja, und da gibts noch Deppen, die 10 jahre und länger in der Allianz drin sind, wobei man die sogar kaufen könnte, aber wenn man AFLAC kennt, dann lässt man die Arro..äh Allianz außen vor.

Gruss space

[spaceistheplace]

heute kommen die AFLAC-zahlen nachbörslich.
Gruss space

Earnings Preview: Aflac
Monday April 23, 12:21 pm ET
Investors Look for Color on Regulatory and Competitive Climate in Japan During Aflac's 1Q


NEW YORK (AP) -- Aflac Inc. reports first-quarter results Tuesday. Following is a summary of key developments and analyst commentary related to the period.
OVERVIEW: Once one of only two life insurers in Japan, Aflac now faces a very competitive market in that country, racked by intensifying regulatory scrutiny and lagging consumer confidence.

ADVERTISEMENT


Because more than two-thirds of Aflac's $13.2 billion in insurance policies in force are in Japan, the Columbus, Ga.-based supplemental insurer is heavily exposed to what happens there.

Last quarter, Japanese regulators summoned data on how much Japanese insurers paid out in claims. While Aflac wasn't as bad as most other insurers, regulators found insurers underpaid clients when they submitted claims.

Even though the financial effect on Aflac from the study is minimal, Goldman Sachs analyst Joan H. Zief said the issue underscores how regulatory scrutiny is affecting the market for insurance in Japan.

Aflac sells supplemental insurance, or policies that cover perils not insured under typical coverage. This is an important product in Japan because the national health care system is under pressure so people are turning to private insurers for supplemental coverage.

This market is weakening as new competitors enter the industry. Sales in Japan fell 8.8 percent last year, and Aflac predicted sales will continue declining in the first half of the year.

EXPECTATIONS: Analysts polled by Thomson Financial expect profit of 79 cents per share in the first quarter. They forecast revenue to rise 5 percent to $3.73 billion.

ANALYST TAKE: Wachovia Securities analyst John Hall expects Aflac to report higher profit margin in Japan despite lower sales. He predicts Aflac will say lower spending on information technology and marketing initiatives will offset sales weakness.

Nevertheless, he's skeptical of Aflac's forecast that sales in Japan will turn around in the second half.

Banc of America Securities analyst Tamara K. Kravec said any commentary on the overcrowded health and life insurance market in Japan will be crucial.

"The market environment in Japan is not smooth sailing," she said. "Investors will continue to focus on assessing the competitive environment in Japan and what the first quarter will reveal about sales trends and the competitive environment."

SHARE PERFORMANCE: Aflac's shares rose 2.3 percent during the first quarter to close March at $47.06.

[Pontiuspilatus]

Press Release Source: Aflac Incorporated

Aflac Incorporated Announces First Quarter Results, Increases Second Quarter Cash Dividend
Tuesday April 24, 4:13 pm ET

COLUMBUS, Ga., April 24 /PRNewswire-FirstCall/ -- Aflac Incorporated (NYSE: AFL - News) today reported its first quarter results.

ADVERTISEMENT
Total revenues were $3.8 billion during the first quarter of 2007, compared with $3.6 billion in the first quarter of 2006. Net earnings were $416 million, or $.84 per diluted share, compared with $375 million, or $.74 per share, a year ago. Net earnings included realized investment gains of $9 million, or $.02 per diluted share, unchanged from a year ago. The impact on net earnings from the change in fair value of the interest rate component of the cross-currency swaps related to the company's senior notes, as required by SFAS 133, was immaterial in the first quarter of 2007. In the first quarter of 2006, the impact from SFAS 133 benefited net earnings by $2 million, or nil per diluted share.

We believe that an analysis of operating earnings, a non-GAAP financial measure, is vitally important to an understanding of Aflac's underlying profitability drivers. We define operating earnings as the profits we derive from our operations before realized investment gains and losses, the impact from SFAS 133, and nonrecurring items. Management uses operating earnings to evaluate the financial performance of Aflac's insurance operations because realized gains and losses, the impact from SFAS 133, and nonrecurring items tend to be driven by general economic conditions and events, and therefore may obscure the underlying fundamentals and trends in Aflac's insurance operations.

Furthermore, because a significant portion of our business is in Japan, where our functional currency is the Japanese yen, we believe it is equally important to understand the impact on operating earnings from translating yen into dollars. We translate Aflac Japan's yen-denominated income statement from yen into dollars using an average exchange rate for the reporting period, and we translate the balance sheet using the exchange rate at the end of the period. However, except for a limited number of transactions, we do not actually convert yen into dollars. As a result, we view foreign currency translation as a financial reporting issue for Aflac and not as an economic event to our company or shareholders. Because changes in exchange rates distort the growth rates of our operations, we also encourage readers of our financial statements to evaluate our financial performance excluding the impact of foreign currency translation. The chart at the end of this release presents a comparison of selected income statement items with and without foreign currency changes to illustrate the effect of currency translation.

Operating earnings in the first quarter of 2007 were $407 million, compared with $364 million in the first quarter of 2006. Operating earnings per diluted share rose 13.9% in the quarter to $.82, compared with $.72 a year ago. The weaker yen/dollar exchange rate lowered operating earnings per diluted share by $.01 during the quarter. Excluding the impact from the weaker yen, operating earnings per share increased 15.3%.

During the first quarter, we acquired 5.1 million shares of Aflac stock. At the end of the first quarter, we had approximately 32 million shares available for repurchase under authorizations by the board of directors.

AFLAC JAPAN

Aflac Japan's financial results in the first quarter were solid and consistent with our expectations. Premium income in yen increased 4.9% in the first quarter of 2007, and net investment income rose 9.2%. Investment income growth in yen terms was magnified by the weaker yen/dollar exchange rate because approximately 39% of Aflac Japan's first quarter investment income was dollar-denominated. Total revenues rose 5.7%. Due to improvement in the benefit ratio, the pretax operating profit margin expanded from 16.7% to 17.6%. As a result, pretax operating earnings in yen were up 11.8%.

The average yen/dollar exchange rate in the first quarter of 2007 was 119.48, compared with an average rate of 116.90 in the first quarter of 2006. Aflac Japan's growth rates in dollar terms were modestly suppressed as a result of the 2.2% weakening of the average exchange rate during the quarter.

Premium income in dollars was $2.2 billion in the first quarter, up 2.6% over a year ago. Net investment income rose 6.9% to $436 million. Total revenues were $2.6 billion, an increase of 3.4%. Pretax operating earnings increased 9.3% to $465 million.

As we had anticipated, Aflac Japan's total new annualized premium sales declined in the first quarter. Total new sales decreased 10.6% to 26.3 billion yen, or $221 million in the first quarter. Aflac Japan's sales continued to reflect weakness in the demand for supplemental medical insurance. We also experienced lower sales in the ordinary life category during the quarter as consumers awaited future declines in life insurance premium rates due to new mortality tables that took effect April 2, 2007. We were encouraged to see a double-digit increase in cancer insurance for the quarter. We continue to expect 2007 to be a challenging year from a sales perspective and believe sales will be lower in the second quarter, compared with a year ago. However, we remain optimistic that sales will recover with a modest increase in the second half of the year.

AFLAC U.S.

Aflac U.S. performed very well in the first quarter. Premium income increased 10.9% to $961 million. Net investment income rose 10.3% to $122 million. Total revenues were up 10.7% to $1.1 billion. Pretax operating earnings were $169 million, an increase of 15.4% over the first quarter of 2006.

We were also pleased with the continued momentum of our U.S. sales. Total new annualized premium sales rose 10.6% to $352 million. Sales in the quarter were again led by accident/disability and cancer expense insurance. We remain very satisfied with our progress in the ongoing expansion of our U.S. sales force. Despite the anticipated decline in newly recruited sales associates, the number of average weekly producing sales associates, which we believe to be a more meaningful metric, increased 6.8% in the quarter. We believe the increase in producing sales associates reflects the success of the training programs we implemented over the last few years. We remain enthusiastic about the opportunities in the U.S. market, and continue to look for total new annualized premium sales to increase 6% to 10% for the full year.

DIVIDEND

The board of directors increased the quarterly dividend payment by 10.8%, effective with the second quarter. The second quarter cash dividend of $.205 per share is 57.7% higher than the second quarter of 2006, and is payable on June 1, 2007, to shareholders of record at the close of business on May 18, 2007. This marks the third consecutive quarter of cash dividend increases, and 2007 marks the 25th consecutive year in which the dividend has been increased.

OUTLOOK

Commenting on the company's first quarter results, Chairman and Chief Executive Officer Daniel P. Amos stated: "Overall, we are pleased with Aflac's results for the first quarter of 2007 and with our outlook for the remainder of the year.

"Although Japan remains a challenging market from a sales perspective, Aflac Japan's financial results continue to reflect the many attractive attributes of our business. Our persistency remained strong and despite a sales decline, Aflac Japan's annualized premiums in force still rose 4.8%. At the same time, our benefit ratio again improved, and our expense ratio remained stable, resulting in improved profitability.

"We remain excited about our prospects in the U.S. market, and we are very pleased with the momentum of Aflac U.S. The steady expansion of our base of producing sales associates remains the key to capitalizing on the opportunities in the vast U.S. market. We believe our commitment to training has resulted in a continued increase in the number of producing sales associates. We are also pleased with the stable operating trends of Aflac U.S., which have resulted in consistent growth of pretax earnings.

"Based on our first quarter results, we remain very optimistic about achieving our financial targets for the year. Our primary financial goal for 2007 is to produce 15% to 16% growth in operating earnings per diluted share, excluding the impact of the yen. We believe that goal reasonably reflects the challenges and opportunities we see in the two largest insurance markets in the world. And the board of directors' decision to increase the cash dividend again reflects our strong capital position and our commitment to increasing value to Aflac's shareholders."

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visitaflac.com.

A copy of Aflac's Financial Analysts Briefing (FAB) supplement for the first quarter of 2007 can be found on the "Investors" page at aflac.com.

Aflac Incorporated will webcast its first quarter conference call on the "Investors" page of aflac.com at 9:00 a.m. (EDT) on Wednesday, April 25.

[Pontiuspilatus]

gute solide zahlen und eine dividendenerhöhung.
schlafen und liegenlassen wie kostolany schon sagte

[spaceistheplace]

Ja, Pontius, das sind solide Zahlen, das ist echt eine Kosto-Aktie, nur braucht man dazu nicht mal Schlaftabletten...

Der Ausblick von 15-16% Gewinnwachstum wird bestätigt. Der schwächere Verkauf in Japan ist wohl etwas schlechter ausgefallen als erwartet (liegt insbesondere am schwachen Yen), jedoch außerhalb Japan viel besser. Wenn man bedenkt, dass etwas mehr wie die Hälfte der Umsätze in Japan gemacht werden, da aber ein Umsatzeinbruch von 10% vorliegt und gleichzeitig insgesamt 11% mehr Umsatz generell generiert wurde, kann man sich überlegen, wo der Umsatz stünde, wenn die Japan-Geschichte wieder läuft bzw. der Wechselkurs nicht weiter negativ sich entwickelt. In den letzten Quartalszahlen wurde auch gesagt, dass in der 2. Jahreshälfte die Japan-Probleme in den Griff zu bekommen sind.
Zudem liegt der Gewinn mit 82 cent über den Erwartungen mit 79 cent. Das könnte dann heute an der Wallstreet etwas aufwärts gehen, so zumindest meine Prognose.

Also bloss kein Stück hergeben....

Hier noch 2 weitere Meldungen zu AFLAC.

Gruss space


Aflac quarterly net rises 11%; Japan sales fall 10.6%

By Alistair Barr
Last Update: 4:30 PM ET Apr 24, 2007
SAN FRANCISCO (MarketWatch) -- Aflac Inc. reported an 11% increase in first-quarter net income late Tuesday, but the life and health insurer also said that sales in Japan fell 10.6%, a bigger decline than some analysts were expecting. Net income came in at $416 million, or 84 cents a share, vs. $375 million, or 74 cents a share, a year ago, Aflac reported. Operating earnings, which exclude net realized investment gains and losses and other items, were $407 million, or 82 cents a share. The company was expected to make 79 cents a share, according to the average estimate of 19 analysts in a Thomson First Call survey. Aflac Japan's total new annualized premium sales fell 10.6% to 26.3 billion yen, or $221 million, in the first quarter, the company said. Andrew Kligerman, an analyst at UBS, was expecting Japan sales to decline 6% to 10%. Aflac shares were halted in after-hours trading.


Aflac quarterly net rises, but Japan sales fall
Insurer's sales in Japan slide more than some analysts were expecting
By Alistair Barr, MarketWatch
Last Update: 4:57 PM ET Apr 24, 2007


SAN FRANCISCO (MarketWatch) -- Aflac Inc. reported an 11% increase in first-quarter net income late Tuesday, but the life and health insurer also said that sales in Japan fell 10.6%, a bigger decline than some analysts were expecting.
Net income came in at $416 million, or 84 cents a share, vs. $375 million, or 74 cents a share, a year ago, Aflac reported. Operating earnings, which exclude net realized investment gains and losses and other items, were $407 million, or 82 cents a share.
The company was expected to make 79 cents a share, according to the average estimate of 19 analysts in a Thomson First Call survey.
Aflac Japan's total new annualized premium sales fell 10.6% to 26.3 billion yen, or $221 million, in the first quarter, the company said. Andrew Kligerman, an analyst at UBS, was expecting Japan sales to decline 6% to 10%.
More than half of the company's revenue comes from Japan. Aflac has been hit by an investigation into how well insurers paid off claims, according to The Wall Street Journal. Last month, the Japanese Financial Services Authority sanctioned 10 non-life insurers for not paying valid claims on the types of policies that Aflac specializes in, typically supplemental medical products, the newspaper reported.
Aflac said on Tuesday that Japan sales continued to reflect weak demand for supplemental medical insurance. The company didn't mention the investigation. Life insurance sales were also lower in the quarter as consumers waited for future declines in premium rates before buying coverage, Aflac explained.
Japan sales will likely also be lower in the second quarter versus a year ago, but should recover with a "modest increase" in the second half of 2007, Aflac said.
Aflac's U.S. business performed better, with total new annualized premium sales rising 10.6% to $352 million.
"Japan remains a challenging market from a sales perspective," Aflac Chief Executive Daniel Amos said in a statement.
Still, he said the company remains "very optimistic" about meeting its targets in 2007, including 15% to 16% growth in operating earnings per share, excluding the impact of the yen.
"That goal reasonably reflects the challenges and opportunities we see in the two largest insurance markets in the world," he concluded.
Alistair Barr is a reporter for MarketWatch in San Francisco.

[spaceistheplace]

und AFLAC geht heute ab wie nix, schon über 7% nach oben...sabberlott ! Von wegen Langweileraktie, wie das viele denken. Jetzt sind wir auf Allzeithoch, der oft gestestete Widerstand bei 50 Dollar, der jetzt schon fast 1,5 jahre besteht wird heute fulminant geknackt. Jetzt ist der Weg frei nach oben, zumal eine Unterbewertung des Titels vorliegt...
Gruss space

[spaceistheplace]

Na, das war ja gestern ein positiver Tag für AFLAC, 4,5% plus schlussendlich. Jedenfalls sieht es aktuell so aus, dass Aflac die Probleme in Japan in den Griff bekommt. Im nächsten Quartal gehen die Verkäufe noch mal zurück, in der 2. Jahreshälfte schwenkt Aflac wieder in den Wachstumstrend, der Turnaround scheint sich also zu vollziehen, so zumindest die Aussage von CEO Amos, der rel. konservativ argumentiert und kein Sprücheklopfer ist. In den anderen Regionen sieht das Wachstum allemal gut aus.

Nach nunmehr fast 1,5 Jahren Seitwärtsbewegung im Kurs könnten wir jetzt neue Höhen erreichen. Aflac wächst mit rd. 15% jährlich, auch in den nächsten 5 Jahren...
Unten jetzt Berichte zu den Aussagen von Amos und von Analysten, die es genau so sehen.

Gruss space

Aflac CEO says Japan sales down less than feared

By Lavonne Kuykendall
Last Update: 10:32 AM ET Apr 25, 2007


CHICAGO (MarketWatch) -- Supplemental insurance provider Aflac Inc. saw its first-quarter sales in Japan drop 10.6%, but in the company's earnings conference call Wednesday, Chief Executive Dan Amos said he had feared an even greater drop.
"I was a little bit nervous about the possibility of seeing a sales drop similar to the fourth quarter, when sales were down 16.6%," he said.
He said that in some ways, the results pleased him and were "consistent with achieving our unique two-part bonus structure we created for Aflac Japan's management team."
Amos said the company had changed the way it pays commissions to its Japan agents last October to advance 80% of the first-year commissions for newer agents in order to help new agents get off to a stronger start.
The company's popular cancer-insurance sales actually were up 10.5% for the quarter. Sales of medical and life products were down as a result of an industrywide investigation into the payment records of insurers in that country.
Amos said he expected sales to increase in the second half of the year, although the second quarter likely will see another decline.
Last year, Aflac made nearly 75% of its revenue from its Japan-based business.
Cost savings and robust investment income helped push Aflac's first-quarter earnings 11% higher to $416 million, or 84 cents a share, from $375 million, or 74 cents a share, a year ago.
The Columbus, Ga., insurer said late Tuesday that operating income in the latest period was $407 million, or 82 cents a share. Operating earnings were up from 72 cents a share a year earlier; analysts, on average, expected 79 cents a share, according to Thomson Financial.
The company also announced a 10.8% increase in its quarterly dividend payment to 20.5 cents a share, beginning in the second quarter.
Shares of Aflac traded recently at $51.70, up $2.48, or 5%, and earlier set a 52-week high of $51.75.

Aflac shares rally on Japan optimism
Sales there may have bottomed at end of 2006, analyst says
By Alistair Barr, MarketWatch
Last Update: 4:21 PM ET Apr 25, 2007


SAN FRANCISCO (MarketWatch) - Aflac Inc. shares climbed more than 4% on Wednesday after the health and life insurer's first-quarter results suggested that the worst may be over for its Japanese business.
Late on Tuesday Aflac reported an 11% increase in first-quarter net income but also said sales in Japan fell 10.6%, a bigger decline than some analysts were expecting. See full story.
The decline was smaller, however, than that of fourth-quarter 2006, when total new annualized premium sales in Japan dropped 17%, analysts noted on Thursday.
"We are optimistic that Aflac Japan has hit an inflection point in terms of sales weakness," Suneet Kamath, an analyst at Bernstein Research, wrote in a note to clients.
"Although we expect concerns over Aflac Japan's near-term sales outlook remain, we feel the company's earnings power and long-term sales growth prospects in the United States and Japan are very strong."
Aflac said Japan sales will likely decline again in the second quarter but should then recover with a "modest increase" in the second half of 2007.
Andrew Kligerman, an analyst at UBS, expects a "material sales acceleration" in the fourth quarter of 2007 and in 2008.
Kamath also sees a sales turnaround in the second half of 2007 as Aflac's efforts to train agents and introduce new products begin to pay off.
Aflac shares rose 4.5% to close at $51.45 on Wednesday.

[spaceistheplace]

noch ein netter Artikel aus motley fool...netter Titel,gell?
Von wegen lahme Ente, Aflac kommt wieder in Schwung...

Is Aflac a Lame Duck?
By Ryan Fuhrmann, CFA
April 25, 2007
Shares of supplemental insurer Aflac (NYSE: AFL) just hit their highs for the year after the company released first-quarter earnings. Aflac is still struggling in its core Japanese market, but trends could be turning, and business here at home has a lot of potential.

Our recent Fool by Numbers will waddle you through the first-quarter details, but here's a brief rundown. Total revenue grew 5%, made up of growth in the following key insurance metrics: premiums earned (up 5%) and net investment income (up 8%). Earnings posted a double-digit advance, continuing an enviable track record of operating income growth as defined by the company.

Aflac Japan accounted for close to 75% of operating earnings for the quarter and has been seeing double-digit decreases in new sales. Total profitability has held up, though, and although management expects another sales decrease for the coming quarter, it sees an increase during the second half of the year as comps become easier and a new sales director begins to put his stamp on the region.

United States trends continued to be positive on most levels, including double-digit improvements in new sales and premium income. A number of analysts believe Aflac will again grow in Japan, but the most potential exists here at home, and the company's wacky duck mascot has done wonders in building brand awareness.

No matter which market the company expands into going forward, its business has appeal and is somewhat unique. To enhance traditional insurance, Aflac offers individuals additional coverage against the threat of illness and injury. This could become increasingly important as baby boomers reach their golden years. Peers such as Conseco (NYSE: CNO), AIG (NYSE: AIG), UnumProvident (NYSE: UNM), and Assurant (NYSE: AIZ) offer similar products, but Aflac is the best pure play on supplemental insurance.

[Pontiuspilatus]

aflac ist ja unheimlich stark in japan d.h. ich gehe davon aus das sie
asiatische mentalität verstehn.
meinst du eine china expansion liegt hier im bereich des möglichen?

[spaceistheplace]

Antwort auf Beitrag Nr.: 29.020.329 von Pontiuspilatus am 26.04.07 20:07:45

Ja, Pontius, diesen Gedanken hatte ich auch schon, jedoch nocht nichts darüber gelesen, dass AFLAC in China tätig ist bzw. expandieren will. Grundsätzlich wäre das management jedenfalls bestens prädestiniert, in diesem Markt tätig zu werden, denn ich bin überzeugt, dass es kaum ein weiteres Versicherungsunternehmen weltweit außerhalb Asien gibt, das sich so gut mit den geschäften in Asien auskennt. China Life ist wohl in China der größte Lebensversicherer, was Krankenzusatzversicherungen angeht, habe ich da keine Infos.
Ich kann mir gut vorstellen, dass Aflac in der nächsten zeit eine Meldung zur Expansion in China bringen könnte. Denn ich glaube nicht, dass sie an diesem riesen markt vorbeigehen können.

Gruss space

[Pontiuspilatus]

ich denke auch das die in den nächsten jahren expandieren werden. damit wäre dann das wachstum der nächsten 20 Jahre gesichert

[spaceistheplace]

Antwort auf Beitrag Nr.: 29.075.611 von Pontiuspilatus am 30.04.07 17:58:36

ja Pontius!
Habe die tage eh überlegt, ob ich nicht aufsto´cken soll, denn ich glaube die jetzt fast über 1 Jahr leufende Seitwärtsbewegung, die ja mit durch die Schweirigleiten in Japan bedingt war, könnte nun vorbei sein, denn die Probleme in Japan scheinen sie ja dieses jahr in den Griff zu bekommen. ich denke, dass sie dann die Chinesen Märkte in Angriff nehmen werden..

Gruss space

[spaceistheplace]

auch ethisch ist AFLAC bestens!
Gruss space


Aflac Named As One of the World's Most Ethical Companies
Leading insurer recognized for fair business practices
COLUMBUS, Ga., May 16, 2007 /PRNewswire via COMTEX News Network/ -- Citizenship, transparency, innovation and reputation are some of the attributes that make Aflac one of the globe's most upstanding companies according to Ethisphere magazine's July issue featuring the World's Most Ethical Companies list.

"We are especially proud to be recognized as an ethical company. This honor is a testament to our commitment to providing the best corporate governance and transparent communication, which ultimately benefits our customers, employees and shareholders," said Dan Amos, Aflac's chairman and CEO.

Ethisphere magazine is the world's largest publication dedicated to compliance, ethics and corporate social responsibility. In researching over 5,000 companies across the globe, researchers and editors of the publication measured each corporation in a rigorous eight-step process that scored each company against several distinct ethical leadership criteria, including:


Industry Leadership
Executive Leadership
Perception
Legal and Regulatory
Internal Systems
Governance

After examining the companies in great depth about compliance and ethical activities in these areas, the companies were scored relative to industry peers to make the final listing.

"This was a rigorous process that identified a select group of companies that were unequalled in their industries for their commitment to ethical leadership and corporate social responsibility. These organizations go beyond making statements about doing business ethically; they translate those words into action," said Alex Brigham, executive editor of Ethisphere magazine.

Earlier this year, Aflac was named to Fortune magazine's list of America's Most Admired Companies for the seventh consecutive year.

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

[spaceistheplace]

Hallo zusammen,

ich melde mich jetzt schon mal für 2 Wochen ab, ich bin ab Morgen mal in Urlaub nach dem ganzen Börsenstreß und werde keinen Zugriff auf WO oder auch mein Depot haben. Ich habe auch keinerlei stop-losses oder so ein Zeugs gemacht, warum auch....
Also machts gut, bis dann...

Gruss space

[spaceistheplace]

Hallo zusammen, ich bin wieder zurück vom Urlaub und ich sehe, dass nix groß passiert ist die 2 Wochen, Aflav hat sich jedenfalls super gehalten und gestern gar noch einen draufgelegt, warum auch immer...

Werde die tage mal die Nachrichtenlage durchkämmen, ob ich noch was Interessantes finde.

Gruss und bis bald
space

[Fury1972]

Afl ac ist eine der größten Versicherungen
der Welt. Das große
Plus des Konzerns: Kaum ein
Konkurrent ist gleichzeitig so gut
in Japan und den USA vertreten,
den zwei wichtigsten Versicherungsmärkten
der Welt.
„Auf in die Selbstständigkeit“, dachten
sich 1955 die Brüder John, Paul und
William Amos und gründeten eine
Versicherungsgesellschaft. Mit Lebens-,
Unfall- und Krankenversicherungen
wollten sie ihr Geld verdienen – doch der
Wettbewerb war hart und fi nanziell blieb
fast nichts hängen. Dann brachte eine
schlimme Krankheit die Wende: Polio
(Kinderlähmung). Im Zusammenhang
damit kam eine neue Idee auf. Andere
Unternehmen boten Versicherungen an,
die ausschließlich das Risiko der Polio-
Erkrankung abdeckten. Afl ac übernahm die neue Idee, bot
die Versicherungen jedoch ausschließlich bezüglich Krebserkrankungen
an. 1958 zählte man zu den ersten Anbietern von
Krebsversicherungen. Von da an ging es mit dem Unternehmen
steil bergauf. Die Versicherungen erwiesen sich als absoluter
Renner und bereits ein Jahr später erzielte Afl ac damit Prämien
in Millionenhöhe.
Während Afl ac zu Beginn ausschließlich in Georgia und
Alabama tätig war, weitete das Unternehmen sein Territorium
konsequent aus, bis man Ende der achtziger Jahre in allen 50
Staaten vertreten war. Doch die Brüder Amos gaben sich mit
dem Erfolg in den USA nicht zufrieden. Frühzeitig hatten sie
ein großes Potenzial in Japan ausgemacht. Denn dort boten
die Versicherer aus Angst vor hohen Schadenzahlungen keine
Krebsversicherungen an. Der historische Augenblick lag im Jahr
1974: Afl ac erhielt als eines der ersten ausländischen Unternehmen
die Genehmigung, in Japan ein Versicherungsgeschäft
aufbauen zu dürfen.
Die Folgen dieser Lizenzvergabe waren gigantisch. Das
Wachstum übertraf alle Erwartungen. Der Schritt erwies sich in
einer weiteren Hinsicht als eminent wichtig für den Unternehmenserfolg.
Denn in den achtziger Jahren verlangsamte sich das
Wachstum in den USA. So wurde der japanische Markt immer
wertvoller für Afl ac.
Japan bringt den Erfolg
Heute erzielt der Konzern rund drei Viertel des Umsatzes
im Land der aufgehenden Sonne. Afl ac ist damit der größte
ausländische Versicherer in Japan. Mehr als 90 Prozent aller
börsen notierten Unternehmen Japans bieten ihren Angestellten
Produkte des Konzerns an. Bisher sind über 30 Millionen
Japaner – rund ein Viertel der gesamten Bevölkerung – bei
Afl ac versichert.
Krebsversicherungen sind noch heute das Flaggschiff des
Konzerns. Doch das ist längst nicht mehr das einzige Produkt.
Mit Zusatzversicherungen wie Unfall-, Pfl ege- oder Berufsunfähigkeitsversicherungen
verdient Afl ac ebenfalls gutes Geld.
Die Zukunft
Auch künftig birgt der japanische Markt weitere Fantasie. Aber
auch in den USA sind die Perspektiven gut. In beiden Märkten
steckt noch jede Menge Spielraum nach oben. Auf Grund des
beeindruckenden Wachstums und der exzellenten Marktposition
bleibt Afl ac weiterhin eine gute Wahl.

[spaceistheplace]

Antwort auf Beitrag Nr.: 29.963.809 von Fury1972 am 17.06.07 10:35:06

schöner Bericht, danke! AFLAC ist seit den 70er Jahren die mit am besten performende Aktie weltweit, nur Walmart hat sich etwas besser entwickelt. Die Perspektiven sind bestens, für die nächsten 5 Jahre werden 15% Wachstum per anno prognostiziert. Aflac ist eigentlich jeden Tag ein Kauf wert. Wer solche ne Aktie nicht im DEpot hat ist selber schuld.

Hier noch ein Vergleichschart AFLAC (schwarz) / S&P500 (hellbraun) seit 1974. MIt Aflac 45.000%, mit S&P rd. 1500%

[spaceistheplace]

Antwort auf Beitrag Nr.: 29.990.504 von spaceistheplace am 18.06.07 09:19:06

auch die ratings sind allererste sahne:

Standard & Poor's Ratings Services said today it has assigned its "A" senior debt rating to Aflac Inc.'s ¥30 billion (app.$243 million) fixed-rate Samurai notes, which will mature in 2012. "The rating reflects Aflac's extremely strong and stable earnings performance, extremely strong liquidity, and very strong competitive position and capitalization," stated S&P credit analyst Shellie Stoddard.

[spaceistheplace]

Aflac expandiert weiter in den USA:

Aflac Opens New Headquarters Facility, Completing First Phase of Georgia's Largest Expansion Project
Insurer expects to create 2,000 new jobs


Last Update: 2:05 PM ET Jun 19, 2007


COLUMBUS, Ga., June 19, 2007 /PRNewswire via COMTEX/ -- Today Aflac commemorated the opening of a new 95,000-square-foot office complex with a ribbon-cutting ceremony where President and COO Paul Amos II and Aflac co- founder Paul S. Amos were joined by state and local dignitaries, including Columbus Mayor Jim Wetherington. The event marked the completion of Phase I in the largest expansion project in the state of Georgia. Construction on Phase II of the project, consisting of about 165,000 square feet, is scheduled to begin August 2007 and completed in early 2009.
Aflac anticipates the third and final building stage to include 100,000 square feet. Upon completion of all three stages, the new complex will consist of well over 300,000 square feet designed to accommodate the creation of 2,000 new jobs over the next five to six years.
"We look forward to the continued growth opportunities this building project will bring to Aflac," said Paul Amos II. "In addition to having a new state-of-the-art facility that will help streamline our operations, this project will support economic development throughout Columbus and the surrounding area with the creation of new jobs. We are grateful to Governor Perdue and local development officials for all of their hard work which made it possible for us to continue to expand our business in Georgia."
The $100 million facility will serve as the new home for Aflac's customer service administrative business units and house a multi-purpose room with auditorium-style seating accommodating 500 people as well as classrooms featuring high-tech audiovisual equipment with a capacity for 250. Amenities will also include four landscaped acres with approximately 1,000 feet of walking trails for employees to enjoy.
"I'd like to thank Aflac for making the decision to once again expand in this region," said Mayor Wetherington. "It is exciting to see Phase I of this expansion completed and we look forward to the completion of the other phases of the largest expansion project in the state of Georgia."
The new construction is Aflac's most substantial expansion project since 2001, when the company opened its Paul S. Amos Campus at Corporate Ridge in Columbus, a 104-acre development housing the claim processing and Call Center operations. In 1998, Aflac opened the doors to its Computer Service Center which serves as the worksite for 600 employees. Both facilities were constructed to accommodate Aflac's strong sales growth.
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit http://www.aflac.com.

[Fury1972]

Habe mir gestern Aflac zu 39,-- Euro in mein Rentendepot gelegt.
Der Chart sieht einfach nur überzeugend aus.

Fury

[spaceistheplace]

Echt schlau, die AFLACs, sich in Yen zu verschulden mit einem A-Rating, weniger Zinsen geht nimmer...

Aflac Incorporated Issues Yen-Denominated Bonds
COLUMBUS, Ga., June 26 /PRNewswire-FirstCall/ -- Aflac Incorporated announced today that it has issued yen-denominated (Samurai) bonds totaling yen 30 billion, or approximately $243 million at the current exchange rate. The bonds were issued in Japan under a previously announced shelf registration filed with Japanese regulatory authorities. This issuance is the first issuance from the February 2006 shelf registration.

Aflac anticipates that it will use the net proceeds of the yen-denominated bonds for general corporate purposes, which shall include, but shall not be limited to, repayment of debt.

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. We desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by company officials in communications with the financial community and contained in documents filed with the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward- looking information is subject to numerous assumptions, risks, and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "may," "should," "estimate," "intends," "projects," "will," "assumes," "potential," "target," or similar words as well as specific projections of future results, generally qualify as forward-looking. Aflac undertakes no obligation to update such forward-looking statements.

We caution readers that the following factors, in addition to other factors mentioned from time to time could cause actual results to differ materially from those contemplated by the forward-looking statements: legislative and regulatory developments; assessments for insurance company insolvencies; competitive conditions in the United States and Japan; new product development and customer response to new products and new marketing initiatives; ability to attract and retain qualified sales associates and employees; ability to repatriate profits from Japan; changes in U.S. and/or Japanese tax laws or accounting requirements; credit and other risks associated with Aflac's investment activities; significant changes in investment yield rates; fluctuations in foreign currency exchange rates; deviations in actual experience from pricing and reserving assumptions including, but not limited to, morbidity, mortality, persistency, expenses, and investment yields; level and outcome of litigation; downgrades in the company's credit rating; changes in rating agency policies or practices; subsidiary's ability to pay dividends to parent company; ineffectiveness of hedging strategies; catastrophic events; and general economic conditions in the United States and Japan.

Analyst and investor contact - Kenneth S. Janke Jr., 800.235.2667 - option 3, FAX: [phone], or [e-mail]

Media contact - Laura Kane, 706.596.3493, FAX: [phone], or [e-mail]

This notice does not constitute an offer of any securities for sale. The securities to be issued through the above-referenced shelf registration will not be registered in the United States and will not be offered or sold to U.S. investors absent compliance with the registration requirements of the Securities Act of 1933 or an available exemption from the registration requirements thereof.

[spaceistheplace]

Antwort auf Beitrag Nr.: 30.331.630 von Fury1972 am 26.06.07 18:58:36

gut gemacht Fury, Du wirst mit AFLAC noch viel Freude haben, für die nächsten 5 Jahre sind 15% Gewinnwachstum prognostiziert, die Aktie sollte also auch so viel steigen im Schnitt.

Gruss space

[spaceistheplace]

hier noch was zu den ratings für AFAC. Viel besser gehts wirklich nicht!

Gruss space

A.M. Best Affirms Ratings of Aflac; Assigns Rating to New Debt Issue



Last Update: 4:02 PM ET Jun 26, 2007



OLDWICK, N.J., Jun 26, 2007 (BUSINESS WIRE) -- A.M. Best Co. has affirmed the financial strength rating (FSR) of A+ (Superior) and issuer credit ratings (ICR) of "aa" of American Family Life Assurance Company of Columbus (Aflac) (Omaha, NE), American Family Life Assurance Company of Columbus (Japan Branch) and its wholly owned subsidiary, American Family Life Assurance Company of New York (Aflac NY) (New York, NY).
Concurrently, A.M. Best has affirmed the ICR of "a" and the debt ratings of "a" on all outstanding debt of AFLAC, Inc. (Columbus, GA). A.M. Best has also assigned a debt rating of "a" to JPY 30 billion 1.87% Samurai notes, due 2012 of AFLAC, Inc. The outlook for all ratings is stable. (See below for a detailed list of the companies and ratings.)
The proceeds of the recently issued debt will be used for general corporate purposes, including the replacement of JPY 30 billion Samurai notes, which matured in June 2007. Following the issuance, Aflac has 70 billion yen remaining on its shelf registration. Aflac presently maintains strong leverage and coverage ratios, primarily reflecting the low cost of its JPY-denominated debt issue in Japan.
Aflac's ratings reflect its strong capitalization, favorable statutory and GAAP operating results, its dominant position in Japan and its leading market position in the United States. Aflac maintains a leading market position within its product niches, primarily the supplemental health market segment, led by its cancer insurance product. The company has successfully grown its surplus position over the past several years despite the payment of sizeable stockholder dividends. Aflac's brand name recognition, well-established distribution relationships and focused marketing approach have contributed to its success.
A.M. Best will continue to monitor Aflac's efforts to reduce its product and geographic concentrations. A.M. Best will also monitor the potential challenges to Aflac's position in Japan, given the increased competition and the relatively low, but improving, interest rate environment. Furthermore, recent Japanese regulatory scrutiny of all companies selling medical products in Japan has slowed sales demand for medical policies industry wide.
The FSR of A+ (Superior) and the ICRs of "aa" have been affirmed for American Family Life Assurance Company of Columbus and its following subsidiaries:
-- American Family Life Assurance Company of Columbus (Japan Branch)
-- American Family Life Assurance Company of New York
The following debt ratings have been affirmed:
AFLAC, Inc.--
-- "a" on $450 million 6.5% senior unsecured notes, due 2009
(JPY-Denominated Samurai Notes)
-- "a" on JPY 40 billion 0.71% senior unsecured notes, due 2010
(JPY-Denominated Uridashi Notes)
-- "a" on JPY 15 billion 1.52% senior unsecured notes, due 2011
-- "a" on JPY 10 billion 2.26% senior unsecured notes, due 2016
-- "a" on JPY 20 billion variable interest rate senior unsecured notes, due 2011
The following debt rating has been assigned:
AFLAC, Inc.--
(JPY-Denominated Samurai Notes)
-- "a" on JPY 30 billion 1.87% senior unsecured notes, due 2012
The following indicative rating has been affirmed for securities available under the existing shelf registration:
AFLAC, Inc.--
-- "a" on senior unsecured
For Best's Debt Ratings, all other Best's Ratings, an overview of the rating process and
rating methodologies, please visit www.ambest.com/ratings.
Founded in 1899, A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. For more information, visit www.ambest.com.
SOURCE: A.M. Best Company
A.M. Best Company Analysts: Jeffrey Lane, 908-439-2200, ext. 5567 [e-mail] or Carl Austin, 908-439-2200, ext. 5500 [e-mail] Or Public Relations: Jim Peavy, 908-439-2200, ext. 5644 [e-mail] or Rachelle Morrow, 908-439-2200, ext. 5378 [e-mail] Copyright Business Wire 2007 ********************************************************************** As of Friday, 06-22-2007 23:59, the latest Comtex SmarTrend® Alert, an automated pattern recognition system, indicated a DOWNTREND on 03-01-2007 for AFL @ $46.84. For more information on SmarTrend, contact your market data provider or go to www.mysmartrend.com SmarTrend is a registered trademark of Comtex News Network, Inc. Copyright © 2004-2007 Comtex News Network, Inc. All rights reserved.

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ist ja echt nett:

latest news [FRE] Freddie Mac: 15-yr mortgage averages 6.38% vs 6.39%

Just Duckin' In
Hallmark and Aflac Connect to Offer the Aflac Duck Sound Chip Birthday Card


Last Update: 10:23 AM ET Jul 19, 2007


COLUMBUS, Ga., July 19, 2007 /PRNewswire via COMTEX/ -- Aflac Duck fans won't have to wait for the commercials to hear the unmistakable voice of the popular spokesduck; now they can go to Hallmark Gold Crown stores around the country and purchase a card that features the fan-favorite fowl spouting happy birthday wishes. Aflac's new relationship with Hallmark introduces the Aflac Duck to greeting card shoppers with a sound chip embedded in the card that says, "Aflaaaac!" when opened.
"It is an honor to have our Aflac Duck recognized with a Hallmark card," said Dan Amos, Aflac chairman and CEO. "We have been pleased to see the Aflac Duck become one of the most recognizable advertising icons in the country. Over the years, the Aflac Duck has been awarded a spot on the Advertising Walk of Fame, appeared in a movie alongside Jim Carrey and helped raised millions of dollars for pediatric cancer. It is very gratifying to know that so many people have enjoyed watching the commercials."
The available card design features a picture of a white duck on the outside cover with text that reads "Just Duckin' In," but when opened the well-known voice of the Aflac Duck greets the birthday card recipient.
"The Aflac Duck is a great addition to our Cards with Sound line," said Hallmark Licensing Marketing Manager Teddi Hernandez. "These cards help people connect in ways that words alone can't always accomplish."
Over the years, the Aflac Duck's image has helped raise money for pediatric cancer treatment and research. The licensing fee for this birthday card along with the sale of plush Aflac Ducks and annual Aflac Holiday Ducks has helped raise over $2 million dollars for pediatric hospitals nationwide.
About Aflac

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heute kommen nachbörslich die Quartalszahlen. Spannend wirds wieder bei den Japan-Zahlen werden. Hier noch ein kleiner aktueller Überblick:

Earnings Preview: Aflac
Monday July 23, 11:48 am ET
Aflac Continued to Face Competitive Market in Japan During Second Quarter


NEW YORK (AP) -- Aflac Inc. is set to report results for the second quarter after the closing bell rings on Tuesday. Following is a summary of key developments and analyst commentary related to the period.
ADVERTISEMENT





OVERVIEW: The key for Aflac's stock for the past few years has been slowing sales in Japan, where the Columbus, Ga.-based insurer derives two-thirds of its income.

Aflac sells supplemental insurance policies, which cover medical costs not insured under Japan's national health care system. Until a few years ago, this industry was heavily regulated and Aflac was one of just a handful of insurers selling this type of coverage.

But the Japanese government has deregulated the market, introducing a flood of competition. Aflac's sales in Japan shrank 8.8 percent last year, and Aflac's future hinges on whether it can stem sales declines and continue to turn a profit in Japan.

EXPECATIONS: Analysts polled Thomson Financial forecast a profit of 81 cents per share on revenue growth of 1 percent, to $3.72 billion.

ANALYST TAKE: Lehman Brothers analyst Eric Berg upgraded Aflac to "Overweight" from "Underweight" this week. While he expects sales in Japan to continue to fall, he said this will be offset by a fatter profit margin.

A body of evidence suggests Japanese people are not staying at the hospital as long when they grow ill, he said. That means Aflac will process smaller claims because hospital bills will not be as pricey.

Plus, a lot of health care providers in Japan are starting to screen for some diseases more rigorously, he said. This will cut down on unnecessary claims, which occur when Aflac cuts a check to a patient who thinks he is sick because a doctor performed a cursory exam and diagnosed something incorrectly.

Banc of America Securities analyst Tamara K. Kravec estimates Aflac's sales in Japan declined 2.8 percent during the quarter. She said the market there will remain challenging, despite the insurer's outlook for improvement in the second half of the year.

Deutsche Bank analyst Darin C. Arita expects life insurers to report robust results for the quarter because of gains in the stock market. Life insurers collect a lot of cash from insurance premiums and annuities, and they book investment gains when the stock market appreciates.

STOCK PERFROMANCE: Aflac's stock rose 9.2 percent during the second quarter to close June at $51.40.

[Pontiuspilatus]

gute zahlen. erwartungen geschlagen

AP
Aflac 2Q Profit Tops Outlook
Tuesday July 24, 4:47 pm ET
Aflac Reports 2 Percent Rise in 2nd-Quarter Earnings, Sales; Reaffirms Full-Year Outlook

COLUMBUS, Ga. (AP) -- Insurance provider Aflac Inc. said Tuesday its second-quarter profit grew nearly 2 percent and topped Wall Street's consensus estimate, as performance in U.S. and Japanese markets surpassed expectations.

ADVERTISEMENT
Net income rose to $415 million, or 84 cents per share, from $408 million, or 81 cents per share, a year ago. Excluding realized investment gains and other items, operating earnings totaled 82 cents per share in the latest quarter, compared with 75 cents a year ago.

Reflecting a weaker yen to the dollar, total revenue grew 2 percent to $3.76 billion from $3.7 billion a year ago.

Analysts surveyed by Thomson Financial were looking for profit of 81 cents per share on revenue of $3.72 billion.

Aflac said U.S. premium income increased 11 percent to $972 million, and net investment income grew 8 percent to $124 million. Total revenue rose nearly 11 percent to $1.1 billion. The company said operations in Japan and the United States have met or exceeded internal expectations so far this year.

"While Japan is still a challenging market, we believe we are positioned to see a modest sales increase in the second half of the year," said Chairman and Chief Executive Daniel P. Amos.

Looking ahead, Aflac reaffirmed its outlook for third-quarter operating profit of 80 cents to 82 cents per share, and full-year operating earnings of $3.21 to $3.24 per share.

Wall Street is predicting quarterly earnings of 82 cents per share, on average, and full-year earnings of $3.28 per share.

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Antwort auf Beitrag Nr.: 30.836.626 von Pontiuspilatus am 24.07.07 23:27:27

ja, pontius, sieht ganz gut aus, wenn auch die Umsätze nicht gestiegen sind. Nachbörslich gings rund 3% hoch.
Gruss space

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Aflac gerade beio 8% plus! sabberlott!!!

Gruss space

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Schöner AFLAC-Tag gestern!

Aflac Shares Hit All-Time High
Wednesday July 25, 2:19 pm ET
Shares of Aflac Hit All-Time High on Brightening Prospects in Japan


NEW YORK (AP) -- Shares of Aflac Inc. leaped to an all-time high Wednesday after the insurer's second-quarter profit showed the company has stemmed the plunge in sales of policies in Japan.
The Columbus, Ga.-based insurer said it earned $415 million in the second quarter, which according to a Thomson Financial survey beat analysts' estimates.

ADVERTISEMENT


Aflac collected $972 million in premiums in the U.S., an 11 percent increase. Sales in Japan, where Aflac derives more than two-thirds of its profit, declined 1.1 percent to $2.2 billion.

Aflac's Japanese division sells supplemental insurance, which compensates policyholders for medical costs not covered under the country's national health care system. The Japanese government used to limit this type of coverage to a handful of insurers, but a few years ago the deregulation of the industry introduced a flood of competition.

Lehman Brothers analyst Eric Berg said this quarter proves the thinking that led him to upgrade Aflac earlier this month was correct. Berg argued that the most recent data shows Japanese people are not staying in the hospital as long.

Aflac paid a lower portion of its Japanese premiums to administer claims, which Berg said stems from shorter hospital stays.

Wachovia Securities analyst John Hall said sales of new policies -- as opposed to renewed policies -- fell less than they did the past few quarters. This quarter, new sales shrank 3.5 percent, while Hall expected a 7 percent to 10 percent decline.

Aflac's stock climbed $3.91, or 7.5 percent, to $55.81. The shares touched as high as $56.95, the stock's most expensive trade ever.

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Morgan Stanley ist der aktuelle Aflac-Kurs zu hoch:

Aflac cut at Morgan Stanley, valuation cited

By Aude Lagorce
Last Update: 7:01 AM ET Aug 10, 2007


LONDON (MarketWatch) -- Morgan Stanley downgraded insurance company Aflac ( to equal-weight from overweight, saying that while it remains confident in the fundamental outlook for the group, the stock's valuation following its recent sharp rally is no longer appealing versus peers. The broker noted that the stock has enjoyed a strong run year to date, up 23%, outperforming peers by 25%.

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Aflac Looks and Quacks Like a Great Dividend Stock

Posted on Aug 21st, 2007 with stocks: AFL

Dividends Matter submits: Today’s search for candidates for our portfolio of superior dividend stocks continues with a look at Aflac Incorporated (NYSE: AFL).

Company Profile:

From Yahoo Finance

Aflac Incorporated, through its subsidiaries, engages in the marketing and sale of supplemental health and life insurance plans in the United States and Japan. It sells cancer plans, care plans, general medical indemnity plans, medical/sickness riders, living benefit life plans, ordinary life insurance plans, and annuities in Japan. The company also sells cancer plans and various types of health insurance, including accident/disability, fixed-benefit dental, sickness and hospital indemnity, vision care, hospital intensive care, long-term care, ordinary life, and short-term disability plans in the United States.

Market capitalization is $25.96B.

Company Fundamentals:

Management has delivered a solid return on invested capital with a 5 year average ROIC of 13.40%. Last year’s ROIC improved to 15.18%.

Return on equity had been extremely steady for the first 7 years of our 10 year period at around 12%. However, since 2004, the ROE has been improving to the tune of 15.23%, 18.13% and 17.42% respectively. The 10 year average ROE is 13.84% and the 5 year average improves to 14.98%. I definitely like to see the ROE either holding steady or trending upwards.

The equity growth rate has been trending downwards. The 9 year average rate is 12.41%. The 5 year rate drops to 9.94%. The 3 year rate drops further to 8.77% and last year’s equity growth rate was 6.58%.

Earnings per share growth rate has not followed the same trend as the equity growth rate. In fact, it trends upward - almost. The 9 year rate is 17.37%. The 5 year rate increases to 20.21%. The 3 year rate is even better at 24.84%. But unfortunately, last year’s EPS growth rate slowed to a mere 2.43%.

Sales growth rates had remained incredibly steady over the years with the 9 year, 5 year, and 3 year rates in the 8% to 10% range. Unfortunately, last year’s sales growth rate dropped to 1.76%.

While the ROE has been improving, the growth rates have been trending downwards.

Dividend Fundamentals:

The current dividend yield is 1.54%. I would argue that is below average since the dividend yield on the S&P 500 Index is 2.03% and 2.57% on the DJIA.

Now, the yield may be below average, but the dividend growth rate has been superb. The 9 year dividend growth rate is 19.90%. The 5 year rate improves to 23.7%. And last year’s dividend growth rate was a stunning 25%. Fantastic growth. Remember that a 15% increases means that your dividend doubles every 5 years.

And another great sign is that the dividend payout ratio is very low. It has gone from 16.69% in 1997 to 18.64% in 2006. This gives management ample room to maneuver and maintain their aggressive dividend growth rates.

Cash flow growth rates had been trending upwards until 2006. The 9 year rate is 16.37% and the 5 year rate is 19.3%. Unfortunately, last year’s rate was a mere 2.56%.

This is definitely a stunning dividend grower!

Valuation Models:

Let’s use our 3 methods to value a dividend yielding stock to determine a model price.

With a low dividend yield of 1.54%, you would expect this to be on the historical low side. In fact, it is on the high side. The 5 year average high dividend yield is only 1.15%. So, if as investors, we demand the average high dividend yield, then the model price is $ 71.30. That means that Mr. Market has under priced this stock by 25.50%! That is a very large discount.

However, Mr. Graham would not agree. The Graham number is $34.26. At the current price of $53.12, that would be a 55% premium.

For the discounted present value method, I used the following inputs:

# future EPS growth rate of 9.94% (this is determined from the 5 year equity growth rate. Analysts have forecast 14.8%. However, I will use my more conservative value.)
# future P/E of 17.25 (current P/E and is at a historical low)
# dividend yield of 1.54%
# future dividend growth rate of 21.71% ( the 3 year average dividend growth rate)
# With these inputs, the model price works out to $45.18 which represents a premium of 17.57%.

See my ALF calculations.

Here is the 1 year stock price chart:



As you can see, Aflac has had an excellent run since March and has not been too badly affected by the recent downturn.

Conclusion:

Although the company fundamentals have been trending downwards, the incredibly low dividend payout ratio coupled with the fantastic dividend growth makes this a worthy addition to our portfolio of superior dividend yielding stocks!

If it looks like a duck and quacks like a duck, it must a great dividend stock!

[Larry.Livingston]

Aflac Announces Resignation of U.S. Marketing Officer
COLUMBUS, Ga., Oct. 2 /PRNewswire-FirstCall/ -- Aflac (Nachrichten) today announced that Jeffrey M. Herbert has resigned as senior vice president and chief marketing officer of the company's U.S. insurance operation. Herbert joined Aflac in October 2006 and cited personal reasons for his departure from the company.

(Logo: http://www.newscom.com/cgi-bin/prnh/20041202/CLTH019LOGO )

Commenting on Herbert's resignation, Aflac president and chief operating officer for Aflac U.S., Paul S. Amos II stated: "Although Jeff's tenure with Aflac was short, we are appreciative of his contributions to our company, and we wish him the best in his future endeavors.

"When we hired Jeff a year ago, we did so after deciding to split the senior level responsibilities of marketing and sales. We still believe that is an effective organization for our business and to that end, we will begin an immediate search for a replacement to work closely with our director of sales, Ron Kirkland. Due in great part to Ron's effective leadership of our sales force, I believe we are on track to achieve our sales targets for the year, and I believe 2007 will be another record year for Aflac U.S."

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.




Aflac Named Among Most Innovative Corporations Using Business Technolog
COLUMBUS, Ga., Sept. 24 /PRNewswire/ -- Aflac (Nachrichten) has been named among the InformationWeek 500, a listing recognizing the country's most innovative corporations using business technology. Recognized for the fourth time since 2000, the insurer made the list on the strength of its Voice Record On Demand (VROD), an application providing customers with an option to record requests for policy changes via telephone. With messages recorded in real time, VROD allows Aflac's customer service representatives to process requests in significantly less time reducing the need for paper transactions.

"We are pleased to once again be included on the InformationWeek 500 list," said Gerald Shields, Aflac Chief Information Officer. "The creation of VROD is one example of our efforts to continually enhance the customer service experience for our policyholders. This project is the result of hard work done by a quality IT team here at Aflac. We are extremely proud of their efforts that have resulted in this recognition."

For nearly 20 years, InformationWeek has identified and honored the nation's most innovative users of information technology with its annual listing. The list is unique among corporate rankings because it spotlights the power of innovation in information technology.

"The InformationWeek 500 honors today's leading companies who set the benchmark for business technology strategies and projects," said InformationWeek vice president and publisher, John Siefert. "The companies on our list are some of the most innovative users of technology."

The top 2007 InformationWeek 500 companies were revealed at a gala awards ceremony held during the InformationWeek 500 Conference in Tucson, Arizona, from September 16-19. The complete list of companies is published in the September 17 issue of InformationWeek magazine. To find out more, visit http://www.informationweek.com/.

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hier die aktuellen Quartalszahlen von heute Abend. So wie es aussieht liegt der EPS bei 0,85 Dollar und damit etwas über den 0,82 der First call - Erwartungen. Es werden fürs Jahr 3,24 - 3,28 Dollar Gewinn/Aktie erwartet, was wiederum etwas unter dem 3,29 von First call liegt. Also eigentlich alles im LotNachbörslich geht es gerade 1,2% rückwärts. Probleme bereitet wohl der etwas erstarkte Yen..

Gruss space



Aflac Incorporated Announces Third Quarter Results, Declares Fourth Quarter Cash Dividend

Last Update: 4:05 PM ET Oct 23, 2007
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COLUMBUS, Ga., Oct 23, 2007 /PRNewswire-FirstCall via COMTEX/ -- Aflac Incorporated today reported its third quarter results.
Reflecting a weaker yen to the dollar, total revenues rose 5.1% to $3.9 billion during the third quarter of 2007, compared with $3.7 billion in the third quarter of 2006. Net earnings were $420 million, or $.85 per diluted share, compared with $367 million, or $.73 per share, a year ago. Net earnings included realized investment gains of $1 million, or nil per diluted share, compared with $7 million, or $.01 per diluted share in the third quarter of 2006. Net earnings in the third quarter of 2007 also included a gain of $2 million, or nil per diluted share, from the change in fair value of the interest rate component of the cross-currency swaps related to the company's senior notes, as required by SFAS 133. In the third quarter of 2006, the impact from SFAS 133 reduced net earnings by $3 million, or nil per diluted share.
We believe that an analysis of operating earnings, a non-GAAP financial measure, is vitally important to an understanding of Aflac's underlying profitability drivers. We define operating earnings as the profits we derive from our operations before realized investment gains and losses, the impact from SFAS 133, and nonrecurring items. Management uses operating earnings to evaluate the financial performance of Aflac's insurance operations because realized gains and losses, the impact from SFAS 133, and nonrecurring items tend to be driven by general economic conditions and events, and therefore may obscure the underlying fundamentals and trends in Aflac's insurance operations.
Furthermore, because a significant portion of our business is in Japan, where our functional currency is the Japanese yen, we believe it is equally important to understand the impact on operating earnings from translating yen into dollars. We translate Aflac Japan's yen-denominated income statement from yen into dollars using an average exchange rate for the reporting period, and we translate the balance sheet using the exchange rate at the end of the period. However, except for a limited number of transactions, we do not actually convert yen into dollars. As a result, we view foreign currency translation as a financial reporting issue for Aflac and not as an economic event to our company or shareholders. Because changes in exchange rates distort the growth rates of our operations, we also encourage readers of our financial statements to evaluate our financial performance excluding the impact of foreign currency translation. The chart at the end of this release presents a comparison of selected income statement items with and without foreign currency changes to illustrate the effect of currency translation.
Operating earnings in the third quarter of 2007 were $417 million, compared with $363 million in the third quarter of 2006. Operating earnings per diluted share rose 18.1% to $.85, compared with $.72 a year ago. Although the yen/dollar exchange rate was slightly weaker than a year ago, it did not have a measurable impact on operating earnings per diluted share.
For the first nine months of 2007, our results were impacted by the weaker yen. Total revenues rose 4.1% to $11.4 billion, compared with $10.9 billion in the first nine months of 2006. Net earnings were $1.3 billion, or $2.53 per diluted share, compared with $1.2 billion, or $2.29 per share, for the first nine months of 2006. Net earnings for the first nine months of 2007 included realized investment gains of $18 million, or $.04 per diluted share, compared with $47 million, or $.10 per share for the first nine months of 2006. The realized investment gains for the first nine months of 2006 resulted from a bond-swap program that we completed in mid-2006. Operating earnings for the first nine months were $1.2 billion, or $2.49 per diluted share, compared with $1.1 billion, or $2.19 per share, in 2006. Excluding the negative impact of $.03 per share from the weaker yen, operating earnings per diluted share rose 15.1% for the first nine months of 2007.
During the third quarter, we acquired 2.0 million shares of Aflac stock, bringing the total number of shares purchased in the first nine months of 2007 to 9.1 million. At the end of September, we had 27.6 million shares available for purchase under our share repurchase authorization.
AFLAC JAPAN
Aflac Japan premium income in yen rose 4.2% in the third quarter. Net investment income increased 7.7%. Investment income growth in yen terms was magnified by the weaker yen/dollar exchange rate because approximately 39% of Aflac Japan's third quarter investment income was dollar-denominated. Total revenues were up 4.3%. Reflecting continued improvement in the benefit ratio, the pretax operating profit margin expanded from 15.4% to 17.2%. As a result, pretax operating earnings in yen advanced 16.7%. For the first nine months, premium income in yen increased 4.5%, and net investment income rose 9.1%. Total revenues grew 5.2%, and pretax operating earnings were up 13.6%.
The average yen/dollar exchange rate in the third quarter of 2007 was 117.88, or 1.5% weaker than the average rate of 116.17 in the third quarter of 2006. For the first nine months, the average exchange rate was 119.37, or 3.0% weaker than the rate of 115.82 a year ago. Aflac Japan's growth rates in dollar terms for both the third quarter and first nine months were suppressed as a result of the weaker average exchange rates.
Reflecting the weaker yen, premium income in dollars was up 2.8% to $2.3 billion in the third quarter. Net investment income rose 6.2% to $456 million. Total revenues increased 3.0% to $2.7 billion. Pretax operating earnings were $468 million, or 15.0% higher than a year ago. For the first nine months, premium income was $6.7 billion, up 1.4% from a year ago. Net investment income rose 5.9% to $1.3 billion. Total revenues increased 2.1% to $8.0 billion. Pretax operating earnings were $1.4 billion, or 10.2% higher than a year ago.
Aflac Japan continued to generate improved sales results for both the third quarter and first nine months of 2007. Total new annualized premium sales rose 2.2% to 27.9 billion yen, or $236 million, in the third quarter. For the first nine months, total new annualized premium sales were down 4.1% to 84.3 billion yen, or $706 million. Cancer insurance sales were again very strong, rising 21.8% over the third quarter of 2006. We believe cancer insurance sales benefited from our agents' focus on selling the product in advance of a scheduled premium rate increase on newly issued cancer life policies, which occurred on September 2. After several quarters of significant declines, medical sales in the third quarter were only slightly lower than a year ago. We believe the improvement in medical sales reflected a favorable initial response to Gentle EVER, our new medical product. Gentle EVER, a non-standard medical product, was introduced on August 1. Our objective remains for Aflac Japan total new annualized premium sales to be flat to up 4% in the second half of 2007.
AFLAC U.S.
Aflac U.S. premium income increased 10.7% to $993 million in the third quarter. Net investment income rose 5.4% to $127 million. Total revenues were up 10.0% to $1.1 billion. Pretax operating earnings were $182 million, an increase of 12.3%. For the first nine months, premium income rose 10.8% to $2.9 billion. Net investment income increased 8.0% to $373 million. Total revenues were up 10.4% to $3.3 billion. Pretax operating earnings rose 13.9% to $523 million.
Aflac U.S. sales were consistent with our expectations. Total new annualized premium sales rose 11.0% to $368 million in the third quarter. Aflac U.S. sales in the third quarter were again led by our accident/disability product line and cancer expense insurance. In addition, our hospital indemnity category performed very well, with sales rising 21.1% over the third quarter of 2006. For the nine months, total new annualized premium sales increased 11.1% to $1.1 billion. As we have repeatedly discussed, we face a challenging sales comparison in the fourth quarter of this year. Sales in the fourth quarter of 2006 rose 21.2% due to the re- enrollment of a large payroll account. Despite that difficult comparison, we still believe we are well-positioned to achieve our sales objective of a 6% to 10% increase for the full year.
We were also pleased with our sales force expansion in the quarter. As expected, recruiting remained lower than a year ago. However, we still recruited approximately 6,200 new sales associates in the third quarter, bringing the number of newly recruited sales associates to more than 18,600 for the first nine months of the year. The total number of licensed sales associates at the end of September rose 5.4% over a year ago. Most importantly, the number of producing sales associates again increased in line with our expectations. On an average weekly basis, the number of producing associates was up 5.0% to approximately 10,700 in the third quarter. For the first nine months, the number of average weekly producing associates rose 6.1% over a year ago.
DIVIDEND
The board of directors declared the fourth quarter cash dividend. The fourth quarter dividend of $.205 per share is payable on December 3, 2007, to shareholders of record at the close of business on November 16, 2007.
OUTLOOK
Commenting on the company's third quarter results, Chairman and Chief Executive Officer Daniel P. Amos stated: "I am very pleased with Aflac's performance during the third quarter and for the first nine months of 2007. Throughout this year, our operations in Japan and the United States have met or exceeded our expectations.
"Aflac Japan has produced steady revenue growth and expanding profit margins in 2007. As a result, Aflac Japan continued to generate strong pretax operating earnings growth. At the same time, we continue to believe Aflac Japan is building sales momentum, and we remain encouraged about our sales outlook for the balance of this year and into 2008.
"Aflac U.S. is also performing very well this year. Our persistency has been steady and our benefit and expense ratios and profit margin have been in line with our expectations. Our sales results have also been strong during the first nine months of the year. And we believe our focus on training and enhancing the capabilities of our distribution will continue to enhance our future sales activities.
"I remain confident that we will achieve our primary financial goal for 2007 of increasing operating earnings per diluted share by 15% to 16%, or $3.28 to $3.31, excluding foreign currency translation. Assuming the yen averages 115 to 120 to the dollar for the remainder of the year, we would expect to report operating earnings of $3.24 to $3.28 per diluted share for the full year. For the fourth quarter of 2007, we expect operating earnings will be in the range of $.75 to $.79 per diluted share. As we look to 2008, I believe we are also well-positioned to achieve our objective of increasing operating earnings per diluted share by 13% to 15%, before the impact of the yen."
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.
A copy of Aflac's Financial Analyst Briefing (FAB) supplement for the third quarter of 2007 can be found on the "Investors" page at aflac.com.
Aflac Incorporated will webcast its third quarter conference call via the "Investors" page of aflac.com at 9:30 a.m. (EDT), Wednesday, October 24.


AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED INCOME STATEMENT
(UNAUDITED - IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)

THREE MONTHS ENDED SEPTEMBER 30, 2007 2006 % Change

Total revenues $3,861 $3,672 5.1%

Benefits and claims 2,331 2,291 1.7

Total acquisition and
operating expenses 888 824 7.8

Earnings before income taxes 642 557 15.1

Income taxes 222 190

Net earnings $420 $367 14.4%

Net earnings per share - basic $.86 $.74 16.2%

Net earnings per share - diluted .85 .73 16.4

Shares used to compute earnings
per share (000):
Basic 487,065 494,923 (1.6)%
Diluted 492,819 500,952 (1.6)

Dividends paid per share $.205 $.13 57.7%



AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED INCOME STATEMENT
(UNAUDITED - IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)

NINE MONTHS ENDED SEPTEMBER 30, 2007 2006 % Change

Total revenues $11,376 $10,929 4.1%

Benefits and claims 6,855 6,715 2.1

Total acquisition and
operating expenses 2,608 2,458 6.1

Earnings before income
taxes 1,913 1,756 8.9

Income taxes 662 606

Net earnings $1,251 $1,150 8.8%

Net earnings per
share - basic $2.56 $2.32 10.3%

Net earnings per
share - diluted 2.53 2.29 10.5

Shares used to compute earnings per share (000):
Basic 488,493 496,626 (1.6)%
Diluted 494,555 502,926 (1.7)

Dividends paid per share $.595 $.39 52.6%



AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED BALANCE SHEET
(UNAUDITED - IN MILLIONS, EXCEPT FOR SHARE AMOUNTS)

SEPTEMBER 30, 2007 2006 % Change

Assets:

Total investments and cash $55,073 $50,686 8.7%

Deferred policy acquisition
costs 6,481 5,930 9.3

Other assets 2,022 1,737 16.4

Total assets $63,576 $58,353 9.0%

Liabilities and shareholders' equity:

Policy liabilities $49,335 $44,968 9.7%

Notes payable 1,454 1,439 1.0

Other liabilities 4,336 3,781 14.7

Shareholders' equity 8,451 8,165 3.5

Total liabilities and
shareholders' equity $63,576 $58,353 9.0%

Shares outstanding at
end of period (000) 487,752 494,666 (1.4)%



Prior-year amounts have been adjusted for adoption of SAB 108 as of January 1, 2006.


RECONCILIATION OF OPERATING EARNINGS TO NET EARNINGS
(UNAUDITED - IN MILLIONS, EXCEPT FOR PER-SHARE AMOUNTS)

THREE MONTHS ENDED SEPTEMBER 30, 2007 2006 % Change

Operating earnings $417 $363 15.0%

Reconciling items, net of tax:
Realized investment
gains (losses) 1 7

Impact from SFAS 133 2 (3)

Net earnings $420 $367 14.4%

Operating earnings per
diluted share $.85 $.72 18.1%

Reconciling items, net of tax:
Realized investment
gains (losses) - .01
Impact from SFAS 133 - -

Net earnings per diluted
share $.85 $.73 16.4%



RECONCILIATION OF OPERATING EARNINGS TO NET EARNINGS
(UNAUDITED - IN MILLIONS, EXCEPT FOR PER-SHARE AMOUNTS)

NINE MONTHS ENDED SEPTEMBER 30, 2007 2006 % Change

Operating earnings $1,232 $1,103 11.7%

Reconciling items, net of tax:
Realized investment
gains (losses) 18 47
Impact from SFAS 133 1 -

Net earnings $1,251 $1,150 8.8%

Operating earnings per
diluted share $2.49 $2.19 13.7%

Reconciling items, net of tax:
Realized investment
gains (losses) .04 .10
Impact from SFAS 133 - -

Net earnings per diluted
share $2.53 $2.29 10.5%



FOREIGN CURRENCY TRANSLATION EFFECT ON OPERATING RESULTS(1)
(SELECTED PERCENTAGE CHANGES, UNAUDITED)

THREE MONTHS ENDED SEPTEMBER 30, 2007 Including Excluding
Currency Currency
Changes Changes(2)

Premium income 5.1 % 6.1%
Net investment income 7.9 8.6
Total benefits and expenses 3.3 4.4
Operating earnings 15.0 15.8
Operating earnings per diluted share 18.1 18.1

(1) The numbers in this table are presented on an operating basis, as
previously described.
(2) Amounts excluding currency changes were determined using the same
yen/dollar exchange rate for the current period as the comparable
period in the prior year.



FOREIGN CURRENCY TRANSLATION EFFECT ON OPERATING RESULTS(1)
(SELECTED PERCENTAGE CHANGES, UNAUDITED)

NINE MONTHS ENDED SEPTEMBER 30, 2007 Including Excluding
Currency Currency
Changes Changes(2)

Premium income 4.1 % 6.3%
Net investment income 7.2 8.7
Total benefits and expenses 3.2 5.3
Operating earnings 11.7 13.3
Operating earnings per diluted share 13.7 15.1

(1) The numbers in this table are presented on an operating basis, as
previously described.
(2) Amounts excluding currency changes were determined using the same
yen/dollar exchange rate for the current period as the comparable
period in the prior year.



The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. We desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by company officials in communications with the financial community and contained in documents filed with the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward- looking information is subject to numerous assumptions, risks, and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "may," "should," "estimate," "intends," "projects," "will," "assumes," "potential," "target," or similar words as well as specific projections of future results, generally qualify as forward-looking. Aflac undertakes no obligation to update such forward-looking statements.
We caution readers that the following factors, in addition to other factors mentioned from time to time could cause actual results to differ materially from those contemplated by the forward-looking statements: legislative and regulatory developments; assessments for insurance company insolvencies; competitive conditions in the United States and Japan; new product development and customer response to new products and new marketing initiatives; ability to attract and retain qualified sales associates and employees; ability to repatriate profits from Japan; changes in U.S. and/or Japanese tax laws or accounting requirements; credit and other risks associated with Aflac's investment activities; significant changes in investment yield rates; fluctuations in foreign currency exchange rates; deviations in actual experience from pricing and reserving assumptions including, but not limited to, morbidity, mortality, persistency, expenses, and investment yields; level and outcome of litigation; downgrades in the company's credit rating; changes in rating agency policies or practices; subsidiary's ability to pay dividends to parent company; ineffectiveness of hedging strategies; catastrophic events; and general economic conditions in the United States and Japan.
Analyst and investor contact - Kenneth S. Janke Jr., 800.235.2667 - option 3, FAX: [phone], or [e-mail]
Media contact - Laura Kane, 706.596.3493, FAX: [phone], or [e-mail]
SOURCE Aflac Incorporated

[spaceistheplace]

heute 4,3% plus, nicht schlecht...ist natürlich jetzt ein klares ATH!

Aflac ist und bleibt die beste Versicherungsaktie für mich im Langfristvergleich.

Gruss und gute nacht space

[spaceistheplace]

Aflac Moves Up 'Say-on-Pay' Shareholder Vote to 2008

Last Update: 9:27 AM ET Nov 14, 2007
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COLUMBUS, Ga., Nov 14, 2007 /PRNewswire via COMTEX/ -- Aflac Incorporated today announced that its board of directors has approved a resolution that accelerates the adoption of what is commonly referred to as "say on pay" to 2008. The say-on-pay resolution will give Aflac shareholders an opportunity to cast a non-binding advisory vote on the company's pay-for-performance compensation of the top-five named executive officers.
In February 2007, Aflac became the first company in the United States to adopt a resolution giving shareholders this type of advisory vote on compensation. At that time, the company had indicated the first advisory vote would occur in 2009 because it is the first year that executive compensation tables in the proxy statement will contain three years of data that reflect the Securities and Exchange Commission's new compensation disclosure requirements implemented during the most recent proxy season. However, after evaluating Aflac's compensation disclosures in the 2007 proxy statement, the board of directors concluded two years of comparable compensation data would be adequate for our shareholders to make an informed vote. As a result, the board changed the timing of the first say-on-pay vote from 2009 to 2008.
"We believe that our shareholders have embraced the expanded disclosure on executive compensation and it gives them the information they need to make an informed decision as they weigh pay versus performance," said Dan Amos, Aflac Chairman and CEO. "Aflac has a long history of generating strong returns for its shareholders and we remain committed to being transparent and responsive to our owners."
From the time Mr. Amos became chief executive officer in August 1990 through October 2007, Aflac's total return to shareholders, including reinvested cash dividends, has exceeded 3,863%, compared with 694% for the Dow Jones Industrial Average and 582% for the S&P 500. During the same period, the company's market value has grown from $1.2 billion to more than $30 billion. Total revenues have grown from $2.7 billion in 1990 to $14.6 billion in 2006.
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

[spaceistheplace]

Aflac Japan To Offer Cancer Insurance Product Through Japan Post

Last Update: 8:20 AM ET Nov 16, 2007
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COLUMBUS, Ga., Nov 16, 2007 /PRNewswire-FirstCall via COMTEX/ -- Aflac Incorporated announced today that Japan Post Network Co., Ltd., a subsidiary of Japan Post Holdings Co., Ltd., has selected Aflac Japan as the exclusive provider of cancer insurance for distribution through the nationwide postal office network.
Japan Post Network Co. is one of four separate postal entities that began operating in October 2007 as a part of the postal privatization process set forth under laws enacted in 2005. Japan Post Network Co. operates approximately 24,000 post office locations throughout Japan.
Commenting on the announcement, Aflac Incorporated Chairman and Chief Executive Officer Daniel P. Amos said: "We are very pleased that Japan Post chose our cancer insurance product for sale through its extensive network. We believe Japan Post's selection of Aflac reflects the quality of our newly introduced Cancer Forte product, the overall strength of the Aflac brand, a reputation for quality customer service and the support we provide to our sales force. Although Japan Post has not yet established a specific time frame for sales to commence, we anticipate that sales should occur sometime in 2008."
Amos added: "Throughout 2007, we have been encouraged by the overall direction of Aflac Japan's new annualized premium sales. We continue to believe that our sales will be flat to up 4% in the second half of 2007. And although we have not yet finalized our marketing plans and objectives for 2008, our preliminary expectation is that Aflac Japan's sales should increase 3% to 7% next year."
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for nine consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.
The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. We desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by company officials in communications with the financial community and contained in documents filed with the Securities and Exchange Commission (SEC).
Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks, and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "may," "should," "estimate," "intends," "projects," "will," "assumes," "potential," "target," or similar words as well as specific projections of future results, generally qualify as forward-looking. Aflac undertakes no obligation to update such forward-looking statements.
We caution readers that the following factors, in addition to other factors mentioned from time to time could cause actual results to differ materially from those contemplated by the forward-looking statements: legislative and regulatory developments; assessments for insurance company insolvencies; competitive conditions in the United States and Japan; new product development and customer response to new products and new marketing initiatives; ability to attract and retain qualified sales associates and employees; ability to repatriate profits from Japan; changes in U.S. and/or Japanese tax laws or accounting requirements; credit and other risks associated with Aflac's investment activities; significant changes in investment yield rates; fluctuations in foreign currency exchange rates; deviations in actual experience from pricing and reserving assumptions including, but not limited to, morbidity, mortality, persistency, expenses, and investment yields; level and outcome of litigation; downgrades in the company's credit rating; changes in rating agency policies or practices; subsidiary's ability to pay dividends to parent company; ineffectiveness of hedging strategies; catastrophic events; and general economic conditions in the United States and Japan.

[Perdox]

also, dass hier so wenige sind aflac ist absolut genial, auch ich habe sie mir ins depot getan. aber so ist die zeit eben heute, die .com aktien kommen wieder und es fallen wieder alle auf die nase nur eben jetzt in china...das sie es aber auch nicht verstehen!

[spaceistheplace]

Antwort auf Beitrag Nr.: 32.460.832 von Perdox am 16.11.07 22:50:26

Ja, Perdox, ich verstehe es auch nicht, wie man so ein Unternehmen links liegen lassen kann. Die langfristige Kursentwicklung ist an Kontinuität und Kurssteigerung fast nicht zu überbieten. Ne Allianz z.B., die sicherlich kein schlechtes Unternehmen ist, kann da total abstinken dagegen. Im Langfristvergleich sieht man ja die Performance überhaupt nicht, mit AFL war seit 1974 50.000% Gewinn zu machen.

Gruss space

[Perdox]

Aber ich habe heute eine gute Sache entdeckt. Hier in dem Forum gibt es Value Investor! Bis jetzt habe ich nur Leute gesehen, die sich gegenseitig pushen und fertig machen. Mir gefällt, dass es auch anders geht! Werde Deinen Weg ein wenig begleiten, mit Dir kann man sicherlich auch prima den ein oder anderen Wert diskutieren. Bei Aflac bin ich auf jeden Fall auf Deiner Seite. Der Wert ist kaum zu übertreffen. Allerdings finde ich die Allianz auch sehr gut, auch wenn sie schlechter ist, befindet sie sich im Moment in meinem Depot (allerdings nicht so langfristig geplant wie Aflac)

[spaceistheplace]

Antwort auf Beitrag Nr.: 32.461.120 von Perdox am 16.11.07 23:14:00

Ja, perdox, Du hast recht, zum Teil haarsträubend, was hier in diversen Threads abgeht. man hat manchmal das gefühl, dass lauter Kranke schreiben, wo es nur drum geht, sich gegenseitig zu zerfleischen. das ist nicht mein Ding schon gar nicht mein Stil.

Schau Dir mal meine Threads an, dann siehst Du, welchen Unternehmen gegenüber ich geneigt bin. Nach vielen Jahren an der Börse habe ich das Traden und ZTocken aufgegeben, Modeaktien lasse ich eh links liegen, Zykliker auch. Mein Depot besteht fast ausschließlich aus Unternehmen, die in unzyklischen Branchen tätig sind, denn mit solchen weerten kann man auch schlechte zeiten gut durchschiffen. Meine Grundpositionen im Depot sind eben Aflac, Stryker (bester Chart überhaupt, bei bigcharts.com Kürzel SYK eingeben, Einstellung all data), Procter&Gamble, H&M, Nestle, Roche und dann noch ein paar kleinere Beteiligungen...

machjs gut, bis denne
space

[Perdox]

Hallo Space,
ich bin erst 4 Jahre an der Börse tätig und habe die ersten 2 1/2 Jahre viel mit Charttechnik gemacht und es hat prima geklappt. Aber seitdem denke ich mir einfach, dass die Tradingkosten viel zu hoch sind und denke um, da langfristig anders bessere Ergebnisse möglich sind (siehe Warren Buffett).
Habe vor 1 1/2 Jahre mein Depot umgeschichtet und bin seitdem Langfristinvestor, vorher habe ich 6 Bücher über Value-Investing gelesen. Da ich noch relativ jung bin, habe ich leider noch nicht soooo viel Erspartes um 10-12 verschiedene Aktien zu kaufen bin deshalb zur Zeit in 7 Aktien drin, zwei Zockerwerte, mit wenig Kapital drin, der Rest als Langfristinvestment.
Ich denke, ich werde bei meinem jungen Lebensalter damit am besten fahren.
Die Unternehmen, die Du ansprichst in Deinen Threads sind genau die Werte die ich auf meiner Watchlist habe + 8 weitere wie Microsoft. Mir gefällt Deine Einschätzung und Deine Mühe sehr, ich werde Deine Threads sehr gerne weiterverfolgen, schön, dass es hier noch intelligente Leute gibt! Es gibt aber noch ein paar Werte die Du noch nicht angesprochen hast, die ich äußerst interessant finde, werde mir die nächsten Wochen mal die Mühe machen, dazu etwas zu schreiben. Aber vorerst muss ich noch mein Angespartes in ASS-Aktien umschichten, da mache ich mir immer sehr viel Arbeit, dass dauert. Werde aber, versprochen, ab und zu meine Einschätzung zu Deinen Vorschlägen beitragen. Ich finde, dadurch dass Mr.Market in Amerika im Moment verrückt spielt gibt es sehr sehr gute Aktien teilweise wieder zu moderaten Preisen, die möchte ich nicht verpassen

[Larry.Livingston]

Antwort auf Beitrag Nr.: 32.463.074 von Perdox am 17.11.07 13:36:42

Du wärst im Thread "Gewinnerbranchen 2006 bis 2040" von Simonswald sehr gut aufgehoben!

[Perdox]

Besonders gut finde ich übrigens Deine Einschätzung zum US-Dollar, ich denke, wenn die Konjunkturdelle in Amerika besser wird (spreche bewusst nicht von einer Rezession, die kommt nämlich nicht, gerade auch wegen den bevorstehenden Wahlen), wird auch der Dollar wieder auf normale Höhen kommen. Das bedeutet aber für mich gleichzeitig jetzt auch, dass sehr gute Einstiegsmöglichkeiten da sind!

[Perdox]

oh ja sorry, ich schreibe immer in den falschen Threads gehört hier eigentlich alles gar nicht hin, dass stimmt wohl!

[spaceistheplace]

Antwort auf Beitrag Nr.: 32.463.125 von Perdox am 17.11.07 13:51:14

meine Einschätzung zum Dollar ist übrigens genau so...

[Simonswald]

Antwort auf Beitrag Nr.: 32.460.962 von spaceistheplace am 16.11.07 23:01:20

mit AFL war seit 1974 50.000% Gewinn zu machen.

Schon, muss man aber dazu sagen, dass AFL bestenfalls seit Mitte 80er oder Anfang 90er als seriöses Investment in Frage kommt. AFL hat ja auch heute erst 8000 Mitarbeiter ist damit noch recht klein. In 1974 müssen die noch ein ganz kleiner smallcap gewesen sein.

[Pontiuspilatus]

@perdox

ich schliesse mich larry an. du solltest unbedingt mal in den gewinnerbranchen thread von simonswald reinschauen. es lohnt sich sogar diesen von anfan an zu lesen. Muss man nur ein bisschen zeit mitbringen da wir uns doch etwas ausgebreitet haben.

von deinem anlagestil dürfte der thread jedenfalls auf dich passen.
sind einige 100 interessante langfristanlagen vorgestellt besprochen und teilweise recht schön analysiert.
auch in bezug zu währungen usw. steht eine menge wissen drin.

ich behaupte mal ganz frech das du aus dem thread mehr als vielen büchern lernen kannst.

[spaceistheplace]

Antwort auf Beitrag Nr.: 32.468.156 von Pontiuspilatus am 18.11.07 00:07:41

ich behaupte mal ganz frech das du aus dem thread mehr als vielen büchern lernen kannst

yep, so isses, absolute Pflichtlektüre!

Gruss space

[Pontiuspilatus]

zu autonomy

hab mir die jetzt mal genauer angesehen.
meiner meinung ein sehr gutes unternehmen aber eben auch sehr teuer.

die kundenliste ist das who is who der weltwirtschaft und sonstiger institutionen das wachstum ist extrem stark und die positionierung dürfte fast einmalig gut sein. die jüngste korrektur könnte einen guten kaufzeitpunkt darstellen. aufwärtstrend ist intakt.

wäre die sehr hohe bewertungnicht würd ich die mir ins depot legen.

seit wann bist du da drin clearasil?

[Pontiuspilatus]

uups vorheriges posting gehört in den gewinnerbrachen thread

[clearasil]

Muss mal was einfügen zum alltimeliebling


Press Release Source: Aflac Incorporated


Aflac Named to List of Most Competitive Companies
Monday December 3, 11:15 am ET
W Ratings Research Identifies Aflac as a Top-Performing Company


COLUMBUS, Ga., Dec. 3 /PRNewswire/ -- Independent competitive research firm W Ratings has published its annual ranking of most competitive companies among U.S. consumers. The Top 40 Most Competitive Companies report, which names Aflac -- along with industry leaders such as Google, Budweiser, Coca Cola, and Pepsi -- identifies the best-performing companies through a patented method that blends financial and market data designed to measure a company's ability to achieve higher economic profit than competitors.
ADVERTISEMENT


"Aflac ranks among the best financial services firms because they continue to find ways to meet consumer expectations while generating superior economic profit. By combining their clear and simple marketing message with a competent network of independent agents, they are protecting their profits with competitive moats in both Brand Perception and Economies of Skill. Our consumer data shows Aflac is a fresh alternative to the traditionally bureaucratic insurance agency," said Gary A. Williams, CEO & Founder of W Ratings.

"It is an honor to be recognized as one of America's most competitive companies," said Dan Amos, Chairman and CEO of Aflac. "This award is particularly noteworthy because it is based on both our financial strength and consumer confidence in our brand."

Competitiveness rankings are determined using an algorithmic formula W Ratings developed in 1999, which has been used to rate more than 500 companies and products familiar to domestic consumers. The competitiveness score is calculated by percentile, ranking companies by their average economic profit over the past five years and by their total moat score, and weighting those rankings equally into one score. "Economic profit" is defined as a company's return on invested capital in excess of the company's weighted average cost of capital. Additionally, W Ratings measures a company's ability to achieve a higher economic profit than its rivals and sustain that competitive advantage through "moats," a term popularized by investment guru Warren Buffet when describing the qualitative measurement of a company's ability to keep competitors from penetrating their market for an extended period of time. Total moat score is derived from a consumer survey database and is defined as the sum of nine areas of competitive advantage with each area, or moat, measuring between negative one and five. The more moats and higher total moat score indicate a higher likelihood of sustaining a competitive advantage with consumers. To be considered, companies must have either a dominant market share or wide recognition among the general U.S. population and have publicly available financial data. Sectors surveyed comprise retail and consumer goods, media and communications, financial services, travel and leisure, and restaurant and beverage.

For more information on the Top 40 Most Competitive Companies in 2007, go to www.wratings.com

[clearasil]

Antwort auf Beitrag Nr.: 32.649.338 von clearasil am 03.12.07 17:51:07

auch ein interessanter artikel

http://biz.yahoo.com/bizwk/071211/dec2007pi20071210270230.ht…

[Perdox]

gibt es für die 8% Kursverlust von heute irgendeinen Grund, den ich nicht weiß?

[clearasil]

Antwort auf Beitrag Nr.: 33.114.720 von Perdox am 21.01.08 12:24:44

ich weiß nix, ich würde sagen: Sippenhaft
Ruhig bleiben.

[spaceistheplace]

Antwort auf Beitrag Nr.: 33.118.006 von clearasil am 21.01.08 15:51:33

absolut verrückt, aktuell 8% unter Schlusskurs NYC am Freitag...

[spaceistheplace]

Aflac Incorporated to Release Fourth Quarter Results on January 30, 2008

Last update: 2:09 p.m. EST Jan. 23, 2008
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COLUMBUS, Ga., Jan 23, 2008 /PRNewswire-FirstCall via COMTEX/ -- Aflac Incorporated (AFL:
AFLAC Incorporated
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AFL 62.59, +1.28, +2.1%) announced today that it will release fourth quarter financial results after the market closes on January 30, 2008.
In conjunction with the earnings release, Aflac Incorporated will webcast an analyst meeting on January 31. During the meeting, Aflac Incorporated Chairman and CEO Daniel P. Amos will discuss Aflac's fourth quarter and year- end results. Following Mr. Amos' comments, Senior Vice President of Investor Relations Kenneth S. Janke Jr. will review the company's financial results. Other members of management will also be available for comment, including Aflac Incorporated President and CFO Kriss Cloninger and Aflac President and Chief Operating Officer of Aflac U.S. Paul S. Amos II.
The evening presentation on Thursday, January 31, will be available via webcast starting at 6:40 p.m. To hear the webcast, visit aflac.com and click on the Investors page. Registration is required, so please allow five to seven minutes to sign up prior to the scheduled start time.
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's listing of America's Most Admired Companies for seven consecutive years and in Fortune magazine's list of the 100 Best Companies to Work For in America for ten consecutive years. Aflac has also been recognized three times by both Fortune magazine's listing of the Top 50 Employers for Minorities and Working Mother magazine's listing of the 100 Best Companies for Working Mothers. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

[spaceistheplace]

AFL scheint es gut zu gehen, heute kommen auch die zahlen nachbörslich.

Gruss space


Aflac Boosts Dividend 17% To 24c; Increases Share Buyback
By Adam O. Manzor
Last update: 4:28 p.m. EST Jan. 29, 2008
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Aflac Inc.'s (AFL:
AFLAC Incorporated
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Last: 62.23-0.17-0.27%
4:02pm 01/29/2008
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AFL 62.23, -0.17, -0.3%) board approved the repurchase of an additional 30 million shares and increased the quarterly dividend distribution by 17% to 24 cents. The Columbus, Ga., insurance company said the new repurchase authorization increases the total number of shares available to be bought back to 55.6 million. Aflac also said it will accelerate the repurchase of 12 million shares to the first quarter, funded with internal capital. The company said the dividend is payable March 3 to shareholders of record Feb. 20. Looking ahead, Aflac said the share-repurchase program will help the company reach the high end of its 13% to 15% per-share operating earnings growth estimate for 2008, and the company remains committed to increasing operating earnings per share by at least 15% through 2009. End of Story

[spaceistheplace]

Hier die AFLAC-zahlen von heute Nacht. Sind nicht schlecht, aber wohl etwas unter den Erwartungen, zudem der Ausblick ist etwas dürftig...nachbörslich gings jedenfalls mal 3% runter.

Gruss space


DOW JONES NEWSWIRES

Aflac Inc.'s (AFL) fourth-quarter earnings rose 15% to $382 million, or 78 cents a share, from $332 million, or 67 cents a share, as revenue benefited from the strengthening of the yen, the company said.
Revenue increased 9% to $4.02 billion from $3.69 billion a year earlier.

Analysts polled by Thomson Financial, on average, expected earnings of 80 cents a share on revenue of $3.96 billion.

The Columbus, Ga., insurance provider said it expects 2008 operating earnings, excluding the impact of the yen, of $3.70 to $3.76 a share on a sales increase of 8% to 12%.

Wall Street, on average, expects 2008 earnings of $3.83 a share. Analyst estimates typically exclude items.



-Jennifer Hodson; 201-938-5400; [e-mail]

Order free Annual Report for AFLAC Inc.

[florian28061977]

Antwort auf Beitrag Nr.: 33.222.351 von spaceistheplace am 31.01.08 09:00:15

HI

bin vor kurzem auf Aflac aufmerksam geworden und habe den gesamten Thread duchgelesen, inkl. Geschäftsberichte durchgesehen. Ich habe ebenfalls vor in Aflac zu investieren. Ich hätte an dich drei Fragen: EKR der letzten 10 Jahre?EPS Anstieg der letzten 10 Jahre und Cash Flow Wachstum der l. 10 Jahre?

die Unterlagen darüber sind leider sehr dürftig.

Ich bin ebenfalls wie du Value Investor, Trotzdem frage ich dich ob momentan ein günstiger Einstiegszeitpunkt ist oder noch warten?

Vielen Dank!

lg florian

[spaceistheplace]

Antwort auf Beitrag Nr.: 33.224.450 von florian28061977 am 31.01.08 11:47:11

Hallo,

schau mal auf den Yahoo finance-Seiten nach ode auch bei MSN.com da findest Du die zahlen bestimmt, aber 10 jahre zurück? Wohl eher nicht. Jedenfalls sind die Bilanzen top, da gibts nix einzuwenden.
AFL ist aktuell eine der am höchsten bewerteten Versicherungsaktien wohl auch weil sie in Nischen tätig sind. Ich finde das okay.
pontius hat aber wegen der rel. hohen Bewertung verkauft.

Tja, ob jetzt ein guter Einstriegszeitpunkt ist, weiss der geier, ich weiss es nicht. Heute allemal die Reaktion in NYC abwarten und bei stärkeren Abschlägen die Situation beruhigen lassen.
Die Finanzbranche hat ja heute durch S&P wieder eins auf den Deckel bekommen.

Wenn Du Dir mit dem Einstieg nicht sicher bist, dann nimm halt erstmal nen Bruchteil der Summe, die Du insgesamt investieren willst.

Ein Value-Investor bin ich keineswegs, sondern ich stehe eher auf growth. Nun ist es aber so, dass aktuell viel wachstumsaktien auch für value-Menschen interessant geworden sind.

Gruss space

[clearasil]

Antwort auf Beitrag Nr.: 33.224.450 von florian28061977 am 31.01.08 11:47:11

ich würde mit einem Kauf noch warten. Dürfte noch billiger werden.

[spaceistheplace]

schöner Artikel zu Aflac:

http://www.fool.com/investing/general/2008/02/01/aflac-posts…

und das earnings call transcript:

http://seekingalpha.com/article/62741-aflac-inc-q4-2007-earn…

[clearasil]

Antwort auf Beitrag Nr.: 33.253.744 von spaceistheplace am 03.02.08 10:37:34

Das ist wirklich ein sehr schöner foolartikel, unaufgeregt und fundiert.

[spaceistheplace]

Aflac Repurchases $757M of Common Shares
Wednesday February 6, 2:45 pm ET
Aflac Buys Back 12.5 Million Shares in Accelerated Repurchase Program With Merrill Lynch

NEW YORK (AP) -- Insurance provider Aflac Inc. repurchased $757 million of its common stock in an accelerated share repurchase program with a Merrill Lynch affiliate, according to a Securities and Exchange Commission filing Wednesday.

ADVERTISEMENT
Aflac purchased 12.5 million shares of its outstanding common stock at $60.58 per share. The shares will be held in treasury.

The buyback, which was funded with internal capital, was part of previously announced share repurchase plan authorized by its board. As of Monday, there were 55.6 million shares available for purchase under the plan.

Under the agreement, Merrill Lynch plans to purchase Aflac shares in the open market from time to time until it has acquired an amount equivalent to the number of shares purchased by Aflac.

At the end of this period, Aflac may receive, or may be required to remit, a purchase price adjustment.

The accelerated share repurchase program is expected to be completed and settled during the second quarter, although it may occur sooner at Merrill Lynch's option.

Aflac shares gained 32 cents to $59.12 in afternoon trading.

[Pontiuspilatus]

doch doch bei msn reichen die zahlen 10 jahre zurück

[spaceistheplace]

06.03.2008 05:43
Aflac, units ratings affirmed with stable outlook - Fitch

MUMBAI (Thomson Financial) - Fitch Ratings affirmed the ratings on Aflac Inc (News) and its units.

It said the ratings are supported by continued strong operating results, a conservative investment strategy that has succeeded in the difficult Japanese interest rate environment, strong absolute and risk-adjusted capital, and name-brand recognition in a well defined market niche.

The agency affirmed the 'AA' insurer financial strength rating (IFS) of Aflac's insurance operating units American Family Life Assurance Co of Columbus, American Family Life Assurance Co of New York, and the Japan branch Aflac Japan.

Fitch affirmed Aflac Inc's IDR at 'AA-' and senior debt rating at 'A+'.

The rating outlook is stable.

[e-mail]

[spaceistheplace]

Guten Morgen miteinander,

will mich mal melden, denn ich habe Euch was mitzuteilen:

Ich werde mich ab sofort aus WO und aus dem ganzen Börsengeschehen mehr oder minder zurückziehen. Ich habe mir das schon länger überlegt und bin jetzt über Ostern zu diesem Schluss gekommen.

Ich habe gestern fast komplett meinen Aktienbestand verkloppt. Ich habe mit meiner Bank, bei der ich einen Kredit über unser Haus laufen habe, ein große Sondertilgung vereinbart und werde diese in diesen Tagen durchführen. Da fließt das Geld hinein. Lieber meinen Kredit tilgen bzw. abbezahlen als auf im Endeffekt höhere Renditen am Markt spekulieren. Das kann böse in die Hose gehen bzw. ich denke, das eben die Renditen an den Märkten in den nächsten jahren nicht zum Himmel wachsen. Nummer Sicher, fertig...

Ein sehr kleiner Rest ist noch nicht über die Spekufrist (sind aber eh keine großen Gewinne drauf), warte diese aber ab. Bis Ende des Jahres wird dann der Rest des Kredites abbezahlt.

Zudem bin ich auch zum Schluss gekommen, hier bei WO meine Aktivitäten einzustellen. Ich hatte ja schon öfters geschrieben, dass ich zu viel Zeit aufwende und dann doch immer wieder in die gleiche Schiene verfallen bin, einfach zu viel Zeit dafür aufzuwenden, oft auch einfach zu verbissen war, was ich als nicht gut empfinde. Daher werde ich jetzt komplett aufhören und mich auch abmelden, sonst wird das wieder nix.

Also macht es gut, haltet den Thread auch ohne mich als Threadgrünmder warm…
Liebe Grüße an alle
space

[spaceistheplace2]

Hallo zusammen,

I'm back on board bei WO zwar unter einem anderen Usernamen, aber immer noch der Gleiche mit den gleichen Favoriten. Ich wüsste auch nicht, was sich grundsätzlich an diesen Unternehmen groß geändert haben sollte, Krise hin oder her....

Ich poste hier, damit der Thread nicht einschläft und werde mich gegebenfalls einbringen, wenn ich es für notwendig erachte. Die "Versorgung" mit news hier werde ich aber so nicht mehr wie gewohnt durchführen, allein schon wegen Zeitmangels.
Vornehmlich werde ich aber im Gewinnerthread " Gewinnerbranchen der Jahre 2006 bis 2040" posten.

Gruss space

[spaceistheplace]

Hallo,

so, ich habe mir jetzt wieder den alten Namen freischalten lassen von WO, bin also wieder wie gewohnt unter dem namen "spaceistheplace" on board.

Gruß
space

[spaceistheplace]

Nächste Woche, Mittwoch, kommen die Zahlen, nachbörslich

Gruss space

Aflac Incorporated (AFL) is expected to release its second quarter earnings on July 23, 2008, with a conference call scheduled for the next morning. First quarter operating earnings of $475 million, or $0.98 per share, were slightly ahead of estimates, based on better-than-expected sales growth in its Japan operations.

As we remain confident about the fundamental outlook for AFL, especially in Japan, we expect some expansion in the multiple in the near term. We will get further color on the outlook for the company, when a clearer picture about the performance of the new product and sales though new channels in Japan emerges. Ahead of the results, we are maintaining our FY08 and FY09 estimates and our Hold rating on the shares of AFL.

Although expanding margins in Japan and a growing U.S. sales force should propel earnings growth, we think that growth will come at a slower pace than the company’s historical 15%-plus track record. New entrants in the field have intensified competition both in Japan and the U.S.

The shares are currently trading at a price-to-book multiple of 3.21x, a 10.1% premium to the peer group median of 2.92x, which looks somewhat reasonable given an ROE of 20.0%, at 6.33% premium to the peer group median. AFL has historically traded at a premium valuation to other health insurers, reflecting in our opinion the company’s superior growth prospects, consistent earnings record, superior ROE and strong financial position.

Our new six-month target price of $62.00 per share (down from $70.00 per share) incorporates the current multiple of 3.26x on our estimated book value of $19.00 per share at September 30, 2008 equating to 15.6x our EPS estimate for FY2008.

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.539.238 von spaceistheplace am 18.07.08 16:52:17

Heute kommen nachbörslich die zahlen, bin echt mal gespannt. AFL tendierte in den letzten tagen rel. schwach...vielleicht weiss ja schon der eine oder andere etwas mehr...we will see...
ich stehe jedenfalls in den Startlöchern...

Gruss space



Earnings Preview: Aflac
by: theflyonthewall.com posted on: July 23, 2008 | about stocks: AFL

Aflac (AFL) is expected to report Q2 earnings after market close today, with a conference call scheduled for Thursday, July 24 at 9:00 am ET.
Guidance

Analysts are looking for EPS of 25c on revenue of $239.4M. The consensus range for EPS is 23c to 28c, while the consensus range for revenue is $196.1M to $431.8M, according to First Call.
Analyst Views

Morgan Stanley recently identified Aflac as one of four insurance companies best positioned for the current macro environment. Friedman Billings predicted that Aflac would report in-line results, and they think the stock still has room to appreciate. The firm maintained an Outperform rating on the shares.

[spaceistheplace]

hier die aktuellen Quartalszahlen...sehen grundsätzlich nicht schlecht aus, auch die 2009er - Ziele mit 13-15% Gewinnwachstum.
Die ezwas unsichere Note in den Kommentaren der Geschäftsleitung mögen wohl den 4%igen Abschlag nachbörslich bewirken...
Trotzdem dürfte Aflac mit das Beste im Versicherungssektor sein, was man sich ins Depot legen kann. Unten noch mal der Langfristchart, sieht einfach gut aus. So was Kontinuierliches gibts eben nur in den USA, in Europa oder outside US einfach nicht.

Gruss und gute Nacht
space


Aflac quarterly net income rises 16%
Insurer is cautious on sales targets this year; sticks to earnings goals
By Alistair Barr, MarketWatch
Last update: 4:56 p.m. EDT July 23, 2008
SAN FRANCISCO (MarketWatch) -- Aflac Inc. reported a 16% increase in second-quarter net income late Wednesday, but the health insurer sounded a cautious note about sales growth in the U.S. and Japan this year.
Aflac shares slipped 4.1% to $57.87 in late trading after the results.
Net income came in at $483 million, or $1 a share, up 16% from a year earlier when the health insurer made $415 million, or 84 cents a share. Operating earnings, which exclude net realized investment gains and losses, were $487 million, or $1.01 a share, in the latest quarter.
Aflac was expected to make $1.01 a share, according to the average estimate of 19 analysts in a Thomson Reuters survey.
A stronger Japanese yen versus the U.S. dollar boosted earnings, Aflac said.
Chief Executive Daniel Amos said full-year sales growth targets in the U.S. and Japan may be difficult to achieve.
Aflac is targeting at least 8% sales growth in the U.S. this year. After a slow start in the first quarter, the company will need to lift sales by at least 12.5% in the second half of 2008 to meet that goal.
"It will clearly be difficult to achieve the minimum of an 8% increase for 2008," Amos said in a statement. "We can't rule out that the U.S. economy is a contributing factor to slower sales growth. However, we still believe our products remain affordable to the average American consumer."
In Japan, total new annualized premium sales fell almost 5% to 28.7 billion yen, or $274 million in the second quarter.
"With sales being flat for the first six months of the year, it will be more challenging to achieve our objective of a 3% to 7% sales increase for the year than anticipated," Amos warned. "However, we expect to see improved sales growth in the second half of 2008, and I still believe our sales objective is achievable."
The insurer stuck to its earnings growth targets for 2008 and 2009. The goal is still for a 14% to 15% increase in operating earnings per share, excluding the impact of foreign currency fluctuations, Amos said.
For 2009, the target is 13% to 15% growth in operating profit per share. End of Story

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.573.958 von spaceistheplace am 23.07.08 23:13:07

und hier alles noch ein bisschen ausführlicher:

http://www.aflac.com/us/en/aboutaflac/PressReleaseStory.aspx…

[spaceistheplace]

nachbörslich 4% runter wohl wegen den Aussagen des Chefs. Da zweifeln wohl manche, ob die Ziele erreicht werden können.
Mal sehen, was heute die Jungs in NYC mit dem Kurs anstellen. Jedenfalls hatte ich nen guten Riecher, abzuwerten...

Gruss space

Aflac Inc.'s profit grew 16.4 percent in the second quarter on a strong yen-to-dollar conversion rate.

The Columbus, Ga.-based insurance company had net earnings of $483 million, or $1 a share, compared with net earnings of $415 million, or 84 cents a share in the second quarter of 2007. A stronger yen to the dollar led to a revenue jump of 15.2 percent to $4.3 billion during the second quarter of 2008.

Net earnings in the second quarter of 2008 included a loss of $3 million from the change in fair value of the interest rate component of the cross-currency swaps related to the company's senior notes.

Aflac Japan's total revenues in yen were up 2.9 percent, while U.S. total revenue rose 8.4 percent to $1.2 billion.

"I am encouraged by the improvement of our U.S. sales growth in the second quarter following a very slow start in the first quarter of this year," said Chairman and CEO Daniel P. Amos. "Knowing that we need a 12.5 percent increase in the second half of the year to meet the low end of our sales target, it will clearly be difficult to achieve the minimum of an 8 percent increase for 2008. As I have mentioned previously, we can't rule out that the U.S. economy is a contributing factor to slower sales growth. However, we still believe our products remain affordable to the average American consumer."

[florian28061977]

Antwort auf Beitrag Nr.: 34.575.651 von spaceistheplace am 24.07.08 10:24:18

was wäre deiner Mei ung nach ein Fairer Preis für Aflac? Mein fairer Preis liegt bei 34-38 bei dem ich zukaufen würde.

Kein Zweifel Aflac ist ein tolles Unternehmen.

Man sieht die Zahlen waren inline, der Ausblick meines Erachtens auch ok, und trotzdem massive Abverkäufe

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.579.924 von florian28061977 am 24.07.08 17:12:59

Man sieht die Zahlen waren inline, der Ausblick meines Erachtens auch ok, und trotzdem massive Abverkäufe

Hallo florian28061977,

ja, die zahlen in line, auch der 2009er Ausblick, hilft aber heute nicht, weil wohl die Erwartungen doch ein bisschen höher waren. Zudem die Worte von Mr. Amos, der nicht von Optimismus strotzt.
So gets ja öfters. In ein paar Tagen wird sich aber die lage wieder normalisiert haben.

ich stehe ja noch in der Kaufwarteschlange, werde aber wohl demnächst einsteigen, wenn die rel. Schwäche zu Markt vorüber ist.

Ich bin kein Chartist, deswegen tue ich mich mit solchen Dingen wie Einstiegskurs/Kaufzeitpunkt immer einwenig schwer. Für mich ist wichtiger, ob ich mich an dem Unternehmen beteiligen will oder nicht, bei Aflac ist das absolut Pflicht. Wenn ich mir den Chart unten der letzten 5 Jahre so ansehe, wäre es optimal, wenn man noch mal zu 50 Dollar rein kommen würde, das wären aber noch mal 10% Abschlag zu heute. Mal sehen...wie gesagt, Lage beruhigen lassen...

Gruss space

[florian28061977]

Antwort auf Beitrag Nr.: 34.575.651 von spaceistheplace am 24.07.08 10:24:18

Danke dir, ich bin ebenso Value Anleger und lese ebenfalls im Thread: Gewinnerbranchen, ich finde deine Analysen sehr interessant (keine Bitte: statt Kürzel Bitte die Namen des Unternehmens verwenden).

Meine Ansicht ist es gibt leider nur ganz ganz wenige Markenunternehmen die echte Marktfühtrer sind. Meines Erachtens sind dies: Coca Cola, Bershire Hath., Nestle, Aflac sowie einige wenige die in jedes Depot gehören. Meiner Ansicht nach sind 8-15 Titel pro Depot genug.

Ich hoffe Aflac entwickelt sich so weiter wird aber noch günstiger

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.580.625 von florian28061977 am 24.07.08 18:25:47

hallo florian28061977,

danke für das Lob. Ich war letzt 5 Monate aussen vor, villeicht hast Du das mibekommen.

ich bin ebenso Value Anleger

Eigentlich bin ich keiner, value ist nicht so mein Ding, bin eher growth-asugerichtet und bei Aflac trifft das meiner Meinung naxch zu. ne Firma, die seit zig Jahren ihren Gewinn zweistellig steigert, ist für mich ne Wachstumsaktien. Und mal ehrlich, so einen langfristchart wie Aflac hat, ist zu 100% Ausdruck der Gewinnentwicklung des Unternehmens, also des Unternehmenserfolges.

(keine Bitte: statt Kürzel Bitte die Namen des Unternehmens verwenden).

Also für US-Aktien gibt es nix besseres als diese Kürzel für mich. Die sind eindeutig. Gibt man ganze Firmennamen z.B. in Börsenwebsites ein, bekommt man meist ne Auswahl mehrere Komponenten und muss da wiederum auswählen. Ich finde das lästig. Ist vielleicht gewöhnungsbedürftig mit den Kürzeln, aber mit der Zeit meiner Meinung nach echt optimal.

Meine Ansicht ist es gibt leider nur ganz ganz wenige Markenunternehmen die echte Marktfühtrer sind. Meines Erachtens sind dies: Coca Cola, Bershire Hath., Nestle, Aflac sowie einige wenige die in jedes Depot gehören. Meiner Ansicht nach sind 8-15 Titel pro Depot genug.


Das sehe ich auch so, mehr als 15 Aktien hatte ich eigentlich auch nie im Depot. Reicht auch aus. Coke, Nestle, Aflac gehören bestimmt dazu, ich würde auch noch als gleichwertig dazustellen: Pepsi, Procter&Gamble, Colgate, H&M, L'Oreal, Microsoft, Johnson & Johnson, Wal Mart, Air Liquide, Oracle, Canon oder auch Beiersdorf mit Nivea.
Es gibt aber auch unbekanntere Firmen in anderen Bereichen, die genau so gut sind wie z.B. Illinois Tool Works (ITW), Sysco (SYY), 3M (MMM), Paychex (PAYX), Stryker (SYK!!!!), Medtronic (MDT), Donaldson (DCI), ITT....

Berkshire ist aber kein Markenunternehmen, sondern ne Beteiligungsgesellschaft, aber die, des vielleicht besten Börsenfreaks der letzten jahrzehnte, Mr. Buffett.

Gruss und schönen Abend
space

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.580.625 von florian28061977 am 24.07.08 18:25:47

Hallo,

12 % miese gestern, das war ja ein richtiger Abverkauf...für mich klar übertrieben, denn Aflac wächst! Und nicht schlecht mit rd. 15%. Jetzt ne kleine negative Note bzw. Zweifel, dass die firmeninternen Ziele vielleicht um 2-3% verfehlt werden, das wird bestraft wie nix.
Florian, Deine 34-38 Euro als Kaufmarke haben wir jetzt und zwar ganz im unteren Bereich.

Ich stehe auch bei Fuss und lasse jetzt den Kurs mal auspendeln, dann schalge ich zu. Bei Unternehmen dieser Qualität sind so 20% unter dem Hoch oft gute Einstiegszeitpunkte.

Gruß
space


wen es interessiert, hier ist noch das earnings call transscript. Muss ich mir aber auch erst mal noch durchlesen....
http://seekingalpha.com/article/86953-aflac-inc-q2-2008-earn…

[florian28061977]

Antwort auf Beitrag Nr.: 34.584.320 von spaceistheplace am 25.07.08 09:44:14

Bei Aflac fällt mir schwer einen genauen Einstiegskurs zu definieren, da ich mcih bei Finanzwerten nicht so gut auskenne. Aflac ist zweifellos ein super Unternehmen, aber ich denke Kurse um 50 USD sollte man zum Kaufen ausnutzen.

Was hältst du von United Health?im Unterschied zu Aflac?

Wie bestimmst du deine Einstiegskurse? bei Finanz- und nicht Finanzunternehmen.. Bei mir ist das wichtigste zuerst die Titelauswahl, dann schaue ich sehr auf konstantes Wachstum, hohe, EKQ und EKR (über die letzten 10 Jahre über 15%, Margen sowie ein gutes Aktionärfreundliches Management.

Welche Kriterien sind für dich wichtig?

lg

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.585.997 von florian28061977 am 25.07.08 12:46:23

ei Aflac fällt mir schwer einen genauen Einstiegskurs zu definieren, da ich mcih bei Finanzwerten nicht so gut auskenne. Aflac ist zweifellos ein super Unternehmen, aber ich denke Kurse um 50 USD sollte man zum Kaufen ausnutzen.

bei 50 schlage ich allemal zu..

Was hältst du von United Health?im Unterschied zu Aflac?
Die kenne ich gar nicht....

Wie bestimmst du deine Einstiegskurse? bei Finanz- und nicht Finanzunternehmen.. Bei mir ist das wichtigste zuerst die Titelauswahl, dann schaue ich sehr auf konstantes Wachstum, hohe, EKQ und EKR (über die letzten 10 Jahre über 15%, Margen sowie ein gutes Aktionärfreundliches Management.

Die Fundamentaldaten sind das non plus ultra für mich. Als erstes wird der langfristchart angeguckt, wenn es da immer auf und ab geht, lasse ich gleich die Finger von. Traden kann ich nicht, daher habe ich auch oft kein gutes Feeling fürs Einsteigen. Bestimmt bei 70% meiner Käufe geht es erst mal rückwärts ne Weile. Stört mich aber nicht. 20% - 30% miese muss man allemal aushalten, sonst hat man an de Börse eh nix verloren.

Hoher Cashflow ist für mich eine der wichtigsten Größen, da so gut wie nicht manipulierbar. Damit geht dann auch meist einher, dass die Dividenden jährlich angehoben werden und auch der Aktienrückkauf funktioniet. Möglicsht dann noch verschuldungsfrei, das ist mit das Wichtigste, gute EKR und EKQ natürlich auch. Zudem das management und wenn möglich, dass der CEO noch hauptaktionär bzw. stark beteiligt ist und gut gearbeitet hat über jahre.

So habe ich insgesamt rd. 80 Werte beieinander, bei denen es aber absolute Favoriten gibt, die ich Dir schon unten genannt habe. Diese Unternehmen begleiten mich z.T. schon 20 jahre.

Okay, so weit mal...muss gleich weg....

Gruss space

[spaceistheplace]

um die g3setzten Ziele bzgl. des EPS zu erreichen, müssen jetzt wohl Aktienrückkäufe her:


Aflac to buy back $825 mln in shares in Goldman deal
By Wallace Witkowski
Last update: 4:40 p.m. EDT Aug. 26, 2008
SAN FRANCISCO (MarketWatch) -- Aflac Inc. said late Tuesday it entered an agreement with Goldman Sachs to buy back $825 million of its own shares. Under the deal, Aflac said Goldman will deliver the shares between December and January, with a final settlement in February. Aflac, which has about 43.1 million shares outstanding, said it financed the buyback with internal capital, and will hold the repurchased shares in its treasury. End of Story

[bödel]

Habe mir auch ein paar AFLAC zugelegt
Boden scheint erreicht kann nur noch rauf
ich sehe dieses als langfrist invest an

die tiefste stelle wird mann wohl nie abfischen
Ich finde mein einstieg für gut
nun schauen wir mal

[spaceistheplace]

Antwort auf Beitrag Nr.: 34.901.535 von bödel am 29.08.08 09:33:17

schön Bödel, wirst es nicht bereuen in den nächsten jahren..

Ich bin noch nicht dabei, bei mir ist noch ein anderer Wert weiter oben auf der Liste, aber bis Ende 2008 steige ich bestimmt auch noch ein.

Gruss space

[bödel]

Aflac Incorporated to Webcast Tokyo Analysts Meeting

COLUMBUS, Ga., Aug. 29 /PRNewswire-FirstCall/ -- Aflac Incorporated (News) announced today that it will webcast its analyst meeting that will be conducted in Tokyo, Japan. Members of Aflac Japan's management and its sales force will discuss the company's operations in Japan. The meeting agenda follows:

September 7, 2008, 8:00 p.m. - 2:30 a.m. United States EDT (September 8, 2008, 9:00 a.m. - 3:30 p.m. Tokyo time) Introductions

Kenneth S. Janke Jr. - Senior Vice President, Investor Relations, Aflac Incorporated

Kriss Cloninger III - President&CFO, Aflac Incorporated Introduction to Aflac Japan and its Market Tohru Tonoike - President&COO, Aflac Japan Regulatory Update Charles D. Lake II - Chairman, Aflac Japan Aflac Japan Operations

Hiroshi Yamauchi - First Senior Vice President; Chief Administrative Officer, Aflac Japan

Aflac Japan Investments

Hitoshi Oda - Second Vice President; General Manager, Asset Management Department, Aflac Japan

Aflac Japan Financial Results

Yuji Arai - Senior Vice President; Principal Financial Officer, Aflac Japan

Aflac Japan Marketing

Takaaki Matsumoto - First Senior Vice President; Director of Marketing and Sales, Aflac Japan

Aflac Japan Sales Jun Isonaka - Senior Vice President, Sales, Aflac Japan Operations of an Affiliated Corporate Agency

Yoichi Kita - Representative Director, President, Ricoh San-ai Service Co., Ltd.

Activities of an Aflac Independent Corporate Agency

Tamiko Takeuchi - Representative Director; Chairwoman, Nihon Business Co., Ltd.

Bank Channel Sales Update

Hisayuki Shinkai - First Senior Vice President, Financial Institutions, Bank Sales Project, Public Relations, Investor Relations

Insurance Sales at a Bank

Yoshihiko Mifuji - Manager, Personal Banking Division, The Hyakugo Bank, Ltd.

The presentations, which include both speeches and slides, will be available via webcast. If you would like to sign up for the webcast, you may do so by visiting aflac.com and clicking on the Investors page. You will need to register for the event, so please allow yourself five to seven minutes to sign up prior to the scheduled start time. An archive of the webcast will be available on aflac.com for one week beginning September 10, 2008. The presentation materials will also be archived in the Financials section of the Investors page of aflac.com.

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's list of America's Most Admired Companies for seven years and in Fortune magazine's list of the 100 Best Companies to Work For in America for ten consecutive years. Aflac has been recognized three times by both Fortune magazine's list of the Top 50 Employers for Minorities and Working Mother magazine's list of the 100 Best Companies for Working Mothers and has also been included in Ethisphere magazine's list of the World's Most Ethical Companies for two consecutive years. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

(Logo:
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, [e-mail]

[bödel]

gestern Abend noch mal Aktienumsätze gestiegen und Kurs.
da gibt es heute nochmals Anschlusskäufe

[spaceistheplace]

estern Abend noch mal Aktienumsätze gestiegen und Kurs.

Das waren vielleicht die ersten Käufe aus dem neuen Aktienrückkaufprogramm...

Gruss space

[spaceistheplace]

am Montag wissen wir mehr...

Shares of Aflac rise before Japanese market update
Friday September 5, 2:06 pm ET
Shares of Aflac rise as insurer plans to provide Japanese market update

CHARLOTTE, N.C. (AP) -- Shares of Aflac Inc. rose Friday, just days before the insurer is set to provide an update on its efforts in the Japanese market.

Its stock gained 73 cents to $57.18 in afternoon trading. Its shares have traded between $52.46 and $68.81 over the past 12 months.

The Columbus, Ga.-based insurer, whose quacking duck television commercials are making it a household name, is hosting an investor day in Tokyo on Monday. The Japanese market accounts for 72 percent of the company's total revenue.

"The broader economic environment in Japan appears to represent something of a headwind for Aflac," wrote SunTrust Robinson Humphrey analyst Mark Hughes in a note to clients Friday.

Japanese consumers are also dealing with rising inflation, he said.

Both of these factors, Hughes added, reduce available cash for workers and "may limit their purchase of supplemental insurance products in the near term," Hughes wrote.

He maintains a "Buy" rating on the stock.

[bödel]

Antwort auf Beitrag Nr.: 35.004.385 von spaceistheplace am 05.09.08 23:14:15

Kann leider kein engl. kannst Du mir das übersetzten ??
DANKE

[bödel]

egal was es bedeutet da scheinen einge was zu wissen:
Aktuell

08.09.08 13:03:42 Diff. Vortag +2,94%

Geld

41,20

Brief

42,00

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.024.763 von bödel am 08.09.08 14:25:45

egal was es bedeutet da scheinen einge was zu wissen:
Aktuell

08.09.08 13:03:42 Diff. Vortag +2,94%

Geld

41,20

Brief

bödel, ich denke, dass heute in Frankfurt schon die weitaus höheren Eröffnungskurse in New York versucht werden, vorweg zu nehmen. Die US-futures sind über 2% im Plus. Klar, muss man abwarten, denn in NYC werden die Kurse gemacht. Vielleicht hast es aber auch mit dem Marktupdate für japan zu tun. da gehts ja im text meines letzten Postings.
Wenn Du schaust, sind so gut wie alle US-Aktien des Dow z.B. heute in Frankfurt über 1% über den Freitagsschlusskursen.


Jetzt noch zu dem Text (aber immer kann ich das nicht für Dich machen. Schau mal im Netz, da gibt es auch automatische Übersetzer. Zumindest den groben Inhalt bekommt man mit). da hast Du natürlich ein kleines Problem, wenn Du kein Englisch kannst, denn die news zu Aflac sollte man eher auf US-Seiten suchen. In dt. Sprache ist da alles sehr spärlich. Hier mal grob der Inhalt:

Shares of Aflac rise before Japanese market update
Friday September 5, 2:06 pm ET
Shares of Aflac rise as insurer plans to provide Japanese market update

Aflac steigt am Freitag vor den Marktneuigkeiten in Japan

CHARLOTTE, N.C. (AP) -- Shares of Aflac Inc. rose Friday, just days before the insurer is set to provide an update on its efforts in the Japanese market.

noch mal das gleiche

Its stock gained 73 cents to $57.18 in afternoon trading. Its shares have traded between $52.46 and $68.81 over the past 12 months.

nicht so wichtig, Kurshistorie

The Columbus, Ga.-based insurer, whose quacking duck television commercials are making it a household name, is hosting an investor day in Tokyo on Monday. The Japanese market accounts for 72 percent of the company's total revenue.

Heute war wohl in Tokyo ein Investorenmeeting. Der jap. markt macht für Aflac 72% der Umsätze aus.

"The broader economic environment in Japan appears to represent something of a headwind for Aflac," wrote SunTrust Robinson Humphrey analyst Mark Hughes in a note to clients Friday.

Es besteht wohl Gegenwind für Aflac in Japan durch das ökonom. Umfeld

Japanese consumers are also dealing with rising inflation, he said.

Problem, häöher Inflation in Japan.

Both of these factors, Hughes added, reduce available cash for workers and "may limit their purchase of supplemental insurance products in the near term," Hughes wrote.

Schwächere Konjunktur und höhere Inflation reduzieren das Bargeld der Japaner, daher evtl. weniger Ausgaben für Gesundheit bzw. die Aflac-Produkte.

He maintains a "Buy" rating on the stock.

Trotzdem "Kaufen".

Gruss space

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.025.013 von spaceistheplace am 08.09.08 14:51:15

bödel, ich denke, dass heute in Frankfurt schon die weitaus höheren Eröffnungskurse in New York versucht werden, vorweg zu nehmen.

Sorry, schrieb Bockmist:
Geld 41,20 / Brief 42,00 heißt ja, dass der Kurs bei rd. 41,60 EUR steht (Mittelwert), das heißt, er steht genau beim Schlusskurs vom Freitag in NYC (40,58 EUR beim akt. Dollarkurs).

das deutet vielleicht gar darauf hin, dass die heute Japankonferenz nicht so doll ausgefallen ist, da wie gesagt fast alle US-Werte heute in Deutschölnad höher stehen als am Freit-Schluss.

Wie auch immer, iss egal, wir werden heute sehen, was passiert.

Gruss space

[spaceistheplace]

sehe gerade, AFL ist vorbörslich bei über 60 Dollar, am Fr. waren sie bei 57,68. Dann dürfte DEine geld-Briefkurse schon hinfällig sein, liegen klar über 42 EUR.

Schau mal hier:

http://www.nasdaq.com/aspxcontent/ExtendedTradingTrades.aspx…

Hier kannst Du für alle US-Aktien vorbörsliche Kurse abfragen.

Gruss space

[bödel]

mal sehen ob heute die 60,00 nachhaltig genommen werden??
schlecht sieht es nicht dafür aus!!

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.034.952 von bödel am 09.09.08 12:23:13

mal sehen ob heute die 60,00 nachhaltig genommen werden??
schlecht sieht es nicht dafür aus!!

we will see...reine Spekulation aktuell, wenn ich gestern gesehen habe, wie stark der wert schwankte. da ging rauf und runter in einer fast 10% großen Spanne.

Übrigens danke für die Übersetzung!

Gruss space

[bödel]

sieht heute nicht nach kursgewinnen aus aber ich sehe das auch langfristiger halte meine Aktien solange in gewisser range laufen.

[bödel]

Us börsen werden heute schwächer schließen glaube ich in 2 tagen über 400 points gemacht das war zuviel des guten
und das ist auch nicht normal:

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.036.754 von bödel am 09.09.08 15:34:23

sieht heute nicht nach kursgewinnen aus

bödel, ist doch egal! tagesschwankungen an sich interessieren mich nicht, nur wenn ich kaufen will. Bin ja bei AFL aussen vor und beobachte daher schon täglich den Kurs. Wenn ich investiert bin, lehne ich mich dann eher zurück.
Gestern hat mich die Volatilität schon erstaunt...so was gefällt mir normalerweise nicht so, da ist was im Busch evtl....

aber ich sehe das auch langfristiger halte meine Aktien solange in gewisser range laufen
Grundsätzlich ist AFL ein Langfristinvest. Das Geschäft profitiert von der DEmografie und dem zunehmenden Druck der Menschen privat auch für ihre gesundheit immer mehr vor zu sorgen, weil die Kassen der Krankenkassen eben immer weniger hergeben.

Gruss space

[spaceistheplace]

Aflac Named a Best Place to Launch a Career by BusinessWeek Magazine
Insurer's internship and leadership development training programs highlighted as tops

Last update: 3:44 p.m. EDT Sept. 10, 2008
COLUMBUS, Ga., Sept 10, 2008 /PRNewswire via COMTEX/ -- Aflac has been named a top 119 company for entry-level workers in BusinessWeek's 2008 Best Places to Launch a Career listing. In a special online report, the magazine noted the insurer's internship program for college students, company benefits and advancement opportunities through leadership development training as favorites among new professionals entering the workforce.
"We strive to create a work environment at Aflac that not only supports employees in starting a new profession, but also in building a long-term career within the company," said Sharon Douglas, vice president and chief people officer, Human Resources. "It is a special honor to be recognized by BusinessWeek as a top workplace, particularly as more companies find innovative ways to become an employer of choice."
In determining the top companies, BusinessWeek used a three-part methodology that included feedback from three different sources. First, the magazine surveyed directors of undergraduate career services to find out which employers were creating excitement among students on campus. Next, finalists were asked to complete a questionnaire about pay, benefits, retention and training programs, which was then compared to other employers in the same industry. Finally, Universum Communications, a Philadelphia research company supplied data from its survey of more than 37,000 U.S. undergrads about the finalists at the top of their list of most desirable employers.
"In this challenging environment, companies are finding inventive ways to attract, retain and motivate their youngest employees," said John Burn, executive editor of BusinessWeek during a podcast discussion on the listing.
Aflac has a University Relations program dedicated to helping the company successfully attract the most outstanding new talent. Through this program, the company offers paid internships and co-ops, including housing for college students. In 2008, Aflac partnered with the Greater Columbus Chamber of Commerce to launch the city's Young Professional's organization that is designed to provide networking opportunities throughout the area for registered members. Additionally, Aflac's on-site career development courses and Leadership Academy are counted among the top training programs in the country.
BusinessWeek's 2008 'Best Places to Launch a Career' cover story will be available on stands September 15. The special online report including a complete listing of the top 100 companies can be found at www.businessweek.com.
About Aflac
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's list of America's Most Admired Companies for seven years and in Fortune magazine's list of the 100 Best Companies to Work For in America for ten consecutive years. Aflac has been recognized three times by both Fortune magazine's list of the Top 50 Employers for Minorities and Working Mother magazine's list of the 100 Best Companies for Working Mothers and has also been included in Ethisphere magazine's list of the World's Most Ethical Companies for two consecutive years. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

[bödel]

will einfach nicht durch 58,00 gehen

[bödel]

habe nun 2 US werte im depot
AFLAC und Burlington Northern Santa Fe
Aflac im plus
Burlington Northern Santa Fe 6 % minus
und ich finde das ist gut für diese Börsenzeit.

[Larry.Livingston]

Ich denke das AFL von der Krise profitiert. AIG hat nicht nur die Wallstreet sondern auch sicher viele verunsicherte Kunden verschreckt... so dass diese sich 2x überlegen ob sie lieber nicht zur soliden alten Ente mit ihren Lebensversicherungen wechseln sollten...

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.144.081 von Larry.Livingston am 17.09.08 09:23:05

alten Ente mit ihren Lebensversicherungen

Larry, meines Wissens macht doch Aflac so gut wie nix in Lebensversicherungen, sondern in Krankenzusatzversicherungen, vor allem in Japan. Oder ist das US-Geschäft anders aufgestellt? 75% der Umsätze aktuell in Japan. Ich glabe, da ist nich so der riesen run zu erwarten..

Gruss space

[Larry.Livingston]

Aflac hat auch Lebensversicherungen im Programm ich habe aber auf die schnelle nicht die Umsatzverteilung im GB gefunden, du hast aber Recht wenn du sagst das sie ihren Hauptumsatz mit den profitableren Krankenzusatzversicherungen verdienen. Worauf ich hinaus wollte ist das das Image von AIG stark angekratzt ist und Kunden lieber im Zweifelsfalle eine solide AFL wählen werden.

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.144.781 von Larry.Livingston am 17.09.08 10:02:36

Worauf ich hinaus wollte ist das das Image von AIG stark angekratzt ist und Kunden lieber im Zweifelsfalle eine solide AFL wählen werden.

Ja, Larry, das stimmt allemal. Bei Neukunden bestimmt. Zudem hat bestimmt AIG Krankenzusatzversicherungen im Programm als Allrounder. Könnte auch sein, dass der eine oder andere wechselt...

Gruss space

[spaceistheplace]

Aflac's Business Technology Innovations Recognized by InformationWeek Magazine

COLUMBUS, Ga., Sept. 16 /PRNewswire/ -- For the fifth time since 2000, Aflac (News) has been named a top company for technology on the annual InformationWeek 500 listing. Mobile Aflac, a development that enables the insurer's sales agents to access account information via their wireless handheld devices and deliver more efficient customer service, helped the company earn a spot on the list. Mobile Aflac is available to over 70,000 field force agents from across the country to better assist their client base and build their own enterprises.

"We are delighted to be included on this prestigious listing for another year," said Gerald Shields, Aflac chief information officer. "Mobile Aflac's ability to deliver business value through technology innovation and execution has helped to support our sales force in providing efficient service for our customers."

InformationWeek has identified and honored the nation's most innovative users of information technology with its annual listing, now in its 20th year, and has tracked the technology, strategies, investments and administrative practices of America's best-known companies. The list is unique among corporate rankings because it spotlights the power of innovation in information technology, rather than simply identifying the biggest IT spenders.

"For 20 years, the InformationWeek 500 has honored the most innovative users of business technology," said InformationWeek Editor-in-Chief Rob Preston. "Year after year, InformationWeek 500 companies harness technology to improve efficiency, boost productivity, drive revenue and establish a competitive advantage. We applaud this year's winners, and the CIOs and other executives whose ingenuity and risk-taking are at the center of business technology innovation."

The 2008 InformationWeek 500 companies were revealed on September 15, 2008, at a gala awards ceremony held during the InformationWeek 500 Conference at the St. Regis Resort in Monarch Beach, Calif. The complete list of companies is available for online viewing at http://www.informationweek.com/ or in the September 15 issue of InformationWeek magazine.

[bödel]

na super
zu börsenschluß noch mal riesenumsatz

[bödel]

AFLAC INC. Registered Shares D..

19.09.08 09:08 Uhr

44,80 EUR

+14,64% [+5,72]

Börse: Frankfurt

[bödel]

14% plus in USA was ging denn da ab???

[bödel]

AFLAC Steadies with Japan
Posted Tue Sep 30, 01:22 pm ET
Posted By: Neena Mishra

AFLAC Incorporated (AFL) is a leading underwriter of supplemental medical insurance products in the United States and Japan. In the U.S., the company markets and administers its products primarily through its subsidiary, American Family Life Assurance Company of Columbus, and holds the leading share of supplemental health policies sold at the policyholders worksites.

Although it is a U.S. based-company, AFL derived nearly 71% of its $15.4 billion 2007 revenue from its Japanese operations (AFLAC Japan) and the rest from its domestic operations. We remain encouraged by the outlook for AFL's Japan operations, as sales through the new channels (Banks and Japan Post network) are expected to gather momentum this year.

After reviewing 2Q08 results, we are maintaining our FY08 and FY09 estimates and our Hold rating on the shares of AFL, with a six-month target price of $62.00 per share. The shares are currently trading at a price-to-book multiple of 3.60x, a 77% premium to the peer group median of 2.04x.

[spaceistheplace]

Hallo bödel, wird Dich interessieren,
I bin heute bei Aflac wieder eingestiegen, auch wegen dieser schönen Meldung:


Aflac To Take Early Delivery of Shares from Repurchase Agreement

Last update: 4:11 p.m. EDT Oct. 2, 2008
COLUMBUS, Ga., Oct 02, 2008 /PRNewswire-FirstCall via COMTEX/ -- Aflac Incorporated announced today that it will take early delivery of 10.7 million common shares that were acquired through a previously announced repurchase agreement. The company will also receive $141.8 million of unused funds. This will bring the total number of shares Aflac has repurchased in 2008 to 23.2 million.
Commenting on the announcement, Chairman and Chief Executive Officer Daniel P. Amos stated: "Given the uncertainties in the marketplace, we felt it was best to take early delivery of the shares and terminate the agreement at this time. However, we still believe that repurchasing our shares is the best use of excess capital, and we will continue to purchase our shares in a way that is consistent with our financial objectives. At the same time, we continue to believe we are well-positioned to achieve our objectives for earnings-per-share growth for this year and next. Our goal for 2008 is a 14% to 15% increase in operating earnings per share, excluding the impact of foreign currency. Our objective for 2009 is to increase operating earnings per share 13% to 15%, excluding the impact of foreign currency."
For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's list of America's Most Admired Companies for seven years and in Fortune magazine's list of the 100 Best Companies to Work For in America for ten consecutive years. Aflac has been recognized three times by both Fortune magazine's list of the Top 50 Employers for Minorities and Working Mother magazine's list of the 100 Best Companies for Working Mothers and has also been included in Ethisphere magazine's list of the World's Most Ethical Companies for two consecutive years. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.
The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. We desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by company officials in communications with the financial community and contained in documents filed with the Securities and Exchange Commission (SEC).
Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks, and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "may," "should," "estimate," "intends," "projects," "will," "assumes," "potential," "target" or similar words as well as specific projections of future results, generally qualify as forward-looking. Aflac undertakes no obligation to update such forward-looking statements. We caution readers that the following factors, in addition to other factors mentioned from time to time could cause actual results to differ materially from those contemplated by the forward- looking statements: legislative and regulatory developments, including changes to health care and health insurance delivery; assessments for insurance company insolvencies; competitive conditions in the United States and Japan; new product development and customer response to new products and new marketing initiatives; ability to attract and retain qualified sales associates and employees; ability to repatriate profits from Japan; changes in U.S. and/or Japanese tax laws or accounting requirements; credit and other risks associated with Aflac's investment activities; significant changes in investment yield rates; fluctuations in foreign currency exchange rates; deviations in actual experience from pricing and reserving assumptions including, but not limited to, morbidity, mortality, persistency, expenses and investment yields; level and outcome of litigation; downgrades in the company's credit rating; changes in rating agency policies or practices; subsidiary's ability to pay dividends to the parent company; ineffectiveness of hedging strategies; catastrophic events; and general economic conditions in the United States and Japan, including increased uncertainty in the U.S. and international financial markets.
Analyst and investor contact - Kenneth S. Janke Jr., 800.235.2667 - option 3, FAX: [phone], or [e-mail]
Media contact - Laura Kane, 706.596.3493, FAX: [phone], or [e-mail]

[bödel]

Antwort auf Beitrag Nr.: 35.393.422 von spaceistheplace am 03.10.08 11:01:58

aber dem kurs tut das nicht gut.

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.407.235 von bödel am 04.10.08 08:15:00

tja, falscher zeitpunkt. Am Anfang sah es gestern noch gut aus, AFL 5% im Plus, zum Schluss 3% in den Miesen. Wer hätte das gedacht, dass das Rettungspaket mit Abschlägen honoriert wird. Aber dürfte klar sein, warum: Es wird jetzt von immer mehr von einer Rezession unbkannten Ausmasses ausgegangen, die auch kommen wird, da bin ich mir sicher. Dann steht alles auf dem Prüfstand und mal kommt wahrscheinlich nur mit großen Blue Chipse aus konjunkrurresistenten Branchen rel. ungeschoren über die Runden. Komt ne starke Rezession könnten sich die Kurse locker noch mal um 30% vermindern.

Gruss space

[spaceistheplace]

mein SL hats gerissen. Hatte ne enge marke gesetzt.
Tja, sorry....ich warte erst mal ab....

Gruss space

[spaceistheplace]

AFLAC considers Alico deal
Kyodo News

AFLAC Inc. Chairman Daniel Amos has indicated the insurer will consider acquiring Alico Japan and two other insurance firms operating in Japan under American International Group Inc.

"We are interested in reviewing a proposal to acquire Alico" if such a request is made, Amos said Tuesday.

The three units AIG plans to sell are Alico Japan, AIG Star Life Insurance Co. and AIG Edison Life Insurance Co.

But Amos also sounded a cautionary note about a possible purchase, saying the current information is sketchy.

AFLAC will study the matter only if it believes a deal would benefit shareholders and policyholders, Amos said.

The U.S. Federal Reserve said last month it will lend up to $85 billion to AIG to skirt bankruptcy, effectively putting one of the world's largest insurers under state control.

AIG, the biggest insurance firm in the U.S., launched Alico Japan as the first foreign life insurance company in Japan in 1973. In terms of premium revenues, Alico Japan now ranks fifth in the Japanese life insurance market.

[bödel]

13.10.08 22:02 Uhr 44,00 USD +11,39 % [+4,50]

mal sehen wie lange Erholung weiter geht

[bödel]

Aflac Incorporated to Release Third Quarter Results on October 23, 2008

COLUMBUS, Ga., Oct. 17 /PRNewswire-FirstCall/ -- Aflac Incorporated (News) announced today that it will release third quarter financial results after the market closes on October 23, 2008.

In conjunction with the earnings release, Aflac Incorporated will webcast a conference call scheduled for 9:00 a.m. (EDT) on October 24, 2008. During the teleconference, Aflac Incorporated Chairman and CEO Dan Amos will discuss third quarter results and the outlook for the remainder of 2008. Other Aflac executives will be available to answer questions, including Aflac Incorporated President and CFO Kriss Cloninger; President and COO of Aflac Japan Tohru Tonoike; President of Aflac and COO of Aflac U.S. Paul Amos II; and Senior Vice President and Chief Investment Officer of Aflac Incorporated Jerry Jeffery.

To listen to the third quarter conference call webcast, visit aflac.com and click on the Investors page. Registration is required, so please allow five to seven minutes to sign up prior to the scheduled start time.

For more than 50 years, Aflac products have given policyholders the opportunity to direct cash where it is needed most when a life-interrupting medical event causes financial challenges. Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Our insurance products provide protection to more than 40 million people worldwide. Aflac has been included in Fortune magazine's list of America's Most Admired Companies for seven years and in Fortune magazine's list of the 100 Best Companies to Work For in America for ten consecutive years. Aflac has been recognized three times by both Fortune magazine's list of the Top 50 Employers for Minorities and Working Mother magazine's list of the 100 Best Companies for Working Mothers and has also been included in Ethisphere magazine's list of the World's Most Ethical Companies for two consecutive years. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL. To find out more about Aflac, visit aflac.com.

(Logo: http://www.newscom.com/cgi-bin/prnh/20041202/CLTH019LOGO ) Analyst and investor contact - Kenneth S. Janke Jr., 800.235.2667 - option 3, FAX: [phone], or [e-mail] Media contact - Laura Kane, 706.596.3493, FAX: [phone], or [e-mail]
Photo: NewsCom: http://www.newscom.com/cgi-bin/prnh/20041202/CLTH019LOGO
AP Archive: http://photoarchive.ap.org/
PRN Photo Desk, [e-mail]

[spaceistheplace]

nicht so schön:

AP
Last Call: Aflac shares fall on 'Sell' rating
Wednesday October 22, 3:09 pm ET
Aflac shares fall after analyst begins coverage with 'Sell' rating, notes 3rd-qtr headwinds

NEW YORK (AP) -- Shares of insurer Aflac Inc. tumbled Wednesday after an analyst initiated coverage of the stock with a "Sell" rating, noting potential headwinds in the third quarter.

Shares dropped $3.28, or 7.6 percent, to $39.69 in late afternoon trading. Shares have traded between $32.73 and $68.81 in the past 12 months.

Sterne Agee analyst John Nadel on Wednesday established a "Sell" rating and a $33 target price on Aflac stock, in anticipation of disappointing sales in the third quarter.

"We believe the likelihood of weak sales in both the U.S. and Japan, a possible tempered sales outlook from management given economic weakness, and a material increase in negative marks on the company's investment portfolio, will lead to underperformance of Aflac's shares," Nadel wrote in a research note.

Despite his concerns, Nadel said Aflac's business model provides investors with good earnings potential.

[spaceistheplace]

und noch ne Vorschau auf die heute fälligen Quartalszahlen:


Earnings Preview: AFLAC Inc.
by: theflyonthewall.com October 22, 2008 | about stocks: AFL
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AFLAC Inc. (AFL) is expected to report Q3 earnings Thursday after the closing bell with a conference call scheduled for 9:00 am on October 24.
Guidance

Analysts are looking for EPS of $1.00 on revenue of $4.33B. The consensus range for EPS is 97c to $1.02, while the consensus range for revenue is $4.26B to $4.46B, according to First Call.

AFLAC CEO Daniel Amos recently said that the company may bid for AIG's (AIG) Alico Japan life insurance unit, The Japan Times reported. Investors will want to know if AFLAC still intends to buy the unit, and they will want to hear how buying Alico Japan is expected to benefit AFLAC.
Analyst Views

Sterne Agee recently initiated AFLAC with a Sell rating and $33 target. AFLAC, which has raised its dividend 17% year to date, was recently identified as having one of the more generous dividends in the financial sector by Rick Helm, the manager of Cohen & Steers Dividend Value Fund. Helm was quoted by Barron's.

[spaceistheplace]

ganz gute zahlen von Aflac gerade:

http://www.marketwatch.com/News/Story/Story.aspx?guid={701F4…

[spaceistheplace]

hier noch weitere Infos zu den Assets von Aflac:


Aflac sees losses from Icelandic bank exposure
Quarterly net income falls 76%, but insurer sticks to profit growth targets
By Alistair Barr, MarketWatch
Last update: 6:43 p.m. EDT Oct. 23, 2008
Comments: 2
SAN FRANCISCO (MarketWatch) -- Aflac Inc. reported a 76% drop in third-quarter profit late Thursday and said it will suffer $110 million in losses from exposure to Iceland's troubled banking sector during the fourth quarter.
The giant medical insurer reported solid operating earnings, which exclude investment gains and losses, and stuck to profit growth targets for 2008 and 2009.
Aflac shares slipped 1% to $35.95 during late trading action on Thursday.
Third-quarter net income came in at $100 million, or 21 cents a share, down 76% from a year earlier when the company made $420 million, or 85 cents a share.
Operating earnings were $493 million, or $1.02 a share, up strongly from the same period last year, Aflac said.
Net income was dented by realized investment losses of $389 million in the third quarter. Roughly $198 million of that mostly came from exposure to Lehman Brothers and Washington Mutual, two failed financial institutions, and the impairment of an investment in Ford Motor Co., a struggling car manufacturer.
The remaining $191 million came from impairments of investments in hybrid securities called perpetual debentures, Aflac said.

Iceland
Since the end of the third quarter, three of Iceland's largest banks, Glitnir, Landsbanki and Kaupthing, were placed in receivership and are being run by the Icelandic government, which also is in financial distress, Aflac explained.
The insurer said it expects to report a $110 million after-tax charge in the fourth quarter from its holdings of securities issued by these banks.
"We are not pleased to have incurred investment losses in the third quarter," Chief Executive Officer Daniel Amos said in a statement.
However, he stressed that Aflac has no direct investment exposure to the subprime lending market and never buys speculative investments, such as junk bonds.
He also said that Aflac doesn't need to raise extra capital.
Japan
Aflac's large Japanese insurance business generated new annualized premium sales of 28.1 billion yen, or $262 million, during the third quarter. That was up 0.9% from a year earlier.
"Despite the solid improvement in third quarter sales, compared with the second quarter, it will be difficult to achieve our full year objective of a 3% to 7% increase, based on our nine month results," Aflac warned.

U.S.
Aflac also said the sales environment in the U.S. remained challenging, partly because of slowing economic growth and Hurricane Ike, which disrupted sales in Texas, the company's top-producing state.
Total new annualized premium sales in the U.S. rose 0.1% to $369 million in the third quarter. For the nine months, total new annualized premium sales increased 1.8% to $1.1 billion.
Despite sales headwinds, Aflac said it expects to generate operating earnings per share growth of 15% in 2008, up slightly from a forecast range of 14% to 15% growth.
The company also said its 2009 target of increasing operating earnings per share by 13% to 15% is achievable. End of Story
Alistair Barr is a reporter for MarketWatch in San Francisco.

[spaceistheplace]

hier der gesamte Bwericht von Analystenmeeting am Freitag:

http://seekingalpha.com/article/102013-aflac-inc-q3-2008-ear…

[bödel]

Antwort auf Beitrag Nr.: 35.707.670 von spaceistheplace am 27.10.08 09:04:49

was haben denn die Herrn zu verkünden gehabt ??
mein engl. ist sehr bescheiden.
Danke

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.708.666 von bödel am 27.10.08 10:05:22

bödel, das sind über 10 Seiten material, habs nur überflogen. Hauptaussage ist, dass Aflac kaum unter einer rrezession zu leiden haben wird, da ihre Produkte essentiell sind.

Gruss space

[bödel]

Antwort auf Beitrag Nr.: 35.709.473 von spaceistheplace am 27.10.08 10:56:38

das genügt mir schon
DANKE

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.709.853 von bödel am 27.10.08 11:21:38

es steht noch mehr drin:
keine Anlagen in den subprime geschichten,
Dividendenerhöhung um 17%
In 2009/2010 weitere Aktienrückkäufe


aber auch einige Anlagen, die verhökert wurden mit Verlust, daher der Einbruch im ergebnis, ohne Sondereffekte aber 15% Gewinnanstieg pro Aktie

[bödel]

http://www.bizjournals.com/wichita/stories/2008/10/20/daily4…

[spaceistheplace]

So, ich bin gestern mit einer kleinen Position kurz vor Börsenschluss in den USA wieder eingestiegen. Zum Glück gibts den ausserbörslichen handel bei Cortal, wo man bis 22 Uhr Aflac-Aktien ordern kann.
nachdem Larry gestern auisgestiegen sind, sind es jetzt wohl nur noch 2 Aktionäre in Deutschland, die Aflac halten...

Gruss space

[Larry.Livingston]

2 Aktionäre in D und jetzt wieder 1 in L.

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.726.223 von Larry.Livingston am 28.10.08 10:13:41

2 Aktionäre in D und jetzt wieder 1 in L.

Larry, Du mutierst ja zum Daytrader!

Gruss space

[spaceistheplace]

Guter Einstiegszeitpunkt, Larry, und auch von mir gestern.
Aflac heute 15% im Plus zum handelsende an der wallstreet...

Gruss und gute nacht
space

[Larry.Livingston]

Gut das ich mir den Wert und die Zahlen nochmal durch den Kopf habe gehen lassen...

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.736.358 von Larry.Livingston am 28.10.08 21:20:11

Gut das ich mir den Wert und die Zahlen nochmal durch den Kopf habe gehen lassen..

ja, Larry, Glückwunsch. An den perspektiven von Aflac hat sich nix geändert, aber auch gar nix.
Wenn Du Zeit hast, dann lies mal das Earnings Conference Call Transcript durch, das ist sehr interessant!!!

Gruss space

http://seekingalpha.com/article/102013-aflac-inc-q3-2008-ear…

[bödel]

boden gefunden ?????

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.782.952 von bödel am 31.10.08 21:35:35

boden gefunden ?????

Ich hoffe es so langsam. Wenn der DOW nicht unter 8000 fällt, dann sollte es soweit sein. Aber dass dies der fall ist weiß wohl keiner aktuell...

hier ne schöne Analyse zu AFLACs Dividendenhistorie und Gewinnen. Ein Musterbeispiel an Konstanz. Allke 4 Jahre verdoppelt sich die Dividende, in den letzten 10 Jahren jährlich ein Gewinnwachstum zwischen 12 und 17%. Konsatanter gehts nimmer!

Text ist halt wieder englisch, aber auch ein paar Grafiken dabei.

Gruss und ein schönes Wochenende
space


http://seekingalpha.com/article/104746-aflac-incorporated-di…

[bödel]

Antwort auf Beitrag Nr.: 35.871.412 von spaceistheplace am 07.11.08 15:32:17

wenn ich ich mich richtir erinnere ist A. im KV Geschäft tätig stimmt das ??

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.872.340 von bödel am 07.11.08 16:28:18

wenn ich ich mich richtir erinnere ist A. im KV Geschäft tätig stimmt das ??

Ja, Krankenzusatzversicherungen. Rel. Konjunkturresistent. 70% der Umsätze in Japan, der Rest in den USA.
Aflac dürfte auch vor der Wahl Obamas profitieren, da dem ja die schlechte mediz. Versorgung der Amis sehr am Herzen liegt.

Gruss space

[florian28061977]

Antwort auf Beitrag Nr.: 35.872.445 von spaceistheplace am 07.11.08 16:34:43

ja , Aflac ist wirklich eine Perle,

Space bist du dzt investiert?
Würdest du eher in Aflac oder wmt investieren, bin mir darüber noch nicht im klaren

[florian28061977]

Antwort auf Beitrag Nr.: 35.872.445 von spaceistheplace am 07.11.08 16:34:43

ja , Aflac ist wirklich eine Perle,

Space bist du dzt investiert?
Würdest du eher in Aflac oder wmt investieren, bin mir darüber noch nicht im klaren

[bödel]

Antwort auf Beitrag Nr.: 35.872.445 von spaceistheplace am 07.11.08 16:34:43

ja darauf wollte ich hinaus Obama will das jeder in USA KV versichert ist das könnte einen schönen schub geben wenn amis das geld dazu haben.
KV auf Pump wird nicht gehen.

[bödel]

http://seekingalpha.com/article/104746-aflac-incorporated-di…" target="_blank" rel="nofollow ugc noopener">http://seekingalpha.com/article/104746-aflac-incorporated-di…

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.872.737 von florian28061977 am 07.11.08 16:54:01

Space bist du dzt investiert?

ja, seit gut 1 Woche. Habe das auch hier irgendwo gepostet.

Würdest du eher in Aflac oder wmt investieren, bin mir darüber noch nicht im klaren

da nicht vergleichbar in BEIDE!!! WMT ist im Einzelhandel wohl das beste Invest. Aflac ebenso bei den Versicherern, wobei bei Aflac die Renditen größer sein dürften wegen der etwas höheren Divi und des etwas stärkeren wachstums. Zudm noch rel. günstig bewertet, so billig wie noch nie.

ja darauf wollte ich hinaus Obama will das jeder in USA KV versichert ist das könnte einen schönen schub geben wenn amis das geld dazu haben.

Momantan sind die Amis ziemlich blank, aber das wird sich früher oder später auch wieder geben und dann ziehen die massnahmen von Obama nehr als in der aktuellen krankenunterversicherten Situation der US-Bürger.
Auch in dieser Hinsicht ist Aflac ein klarer Kauf für mich!

Gruss space.

[spaceistheplace]

Aflac CEO says he'll give up golden parachute if ousted
Updated 2h 4m ago | Comment | Recommend E-mail | Save | Print | Reprints & Permissions | Subscribe to stories like this
Dan Amos with a duck, Aflac's icon, in 2005.
Enlarge image Enlarge By Michael A. Schwarz, USA TODAY
Dan Amos with a duck, Aflac's icon, in 2005.

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By Del Jones, USA TODAY
Aflac (AFL) CEO Dan Amos said Thursday that he will give up the $13 million golden parachute the insurance company would owe him were he to be fired or lose his job in a merger or acquisition.

"If they don't think I'm doing a good job, they don't have to worry about paying me off," Amos said in an interview with USA TODAY.

The decision to give up his exit package, worth three times his annual pay and bonus, comes as golden parachutes are under attack, especially those at companies receiving bailout money. The government denied exit packages to Daniel Mudd and Richard Syron, the departing CEOs of Fannie Mae and Freddie Mac. Under pressure, AIG has frozen the $19 million it owes former CEO Martin Sullivan. (Aflac says it doesn't need bailout money.)

Aflac also became the first major company to let shareholders vote on CEO pay. In May, Aflac shareholders voted 93% in favor of Amos' pay, with 2.5% against. Both President-elect Barack Obama and Democrats in Congress have expressed interest in making such non-binding shareholder votes on CEO pay mandatory.

Although Amos makes about $4.3 million a year in salary and bonus, his total compensation including stock options came to more than $14 million in both 2006 and 2007.
FIND MORE STORIES IN: Congress | Freddie Mac | American Intl. Group | Lehman Bros | Washington Mutual | Aflac | Daniel Mudd | Richard Syron

"It's kind of tough to say any CEO makes a personal sacrifice," Amos says, but adds that most negotiate golden parachutes when they are hired, knowing that job security is tenuous. CEOs are often compared to football coaches, he says, but fired coaches find other teams whereas dismissed CEOs tend to disappear.

However, CEOs often depart in failure at a time when it's embarrassing to pay them millions as they leave. Amos, 57, has been CEO for almost two decades and says he is pleased with Aflac's performance, even though it has not escaped the times.

Aflac stock is down 31% since Sept. 18, and the company reported a 76% drop in profit in the third quarter. Aflac had no direct investment in subprime loans, but it lost $198 million from its stock in Lehman Bros. and Washington Mutual. Operating earnings have remained strong, Amos says, and Aflac stock has outperformed indexes that measure the total market and the insurance industry.
Share this story:

[bödel]

Af. gestern Abend 10% rauf in USA das ist eine Vola

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.944.209 von bödel am 14.11.08 08:25:20

Af. gestern Abend 10% rauf in USA das ist eine Vola

Ja, absolut! Da täte maöl eine Beruhigung gut, es wird einem ja fast schwindlig!
Ist aber wohl nicht so schnell damit zu rechnen, solange noch so viele Unwägbarkeiten im Markt sind.
mal sehen, ob am WoEnde die G20-Konf. was bringt.

Heute wohl erst mal wieder rückwärts...

Gruss space

[bödel]

Antwort auf Beitrag Nr.: 35.946.722 von spaceistheplace am 14.11.08 13:07:14

rückwärts ???
im Moment 2 % plus

[spaceistheplace]

Antwort auf Beitrag Nr.: 35.948.611 von bödel am 14.11.08 16:19:43

im Moment 2 % plus

und jetzt 4,3% im Minus, aber ist doch egal.
die tagesschwankungen interessieren mich nicht.

Gruss und schönes WoEnde
space

[bödel]

kursfeuerwerk in USA zum schluß
schnäppchenjäger oder ?????

[bödel]

21.11.08 22:16
US-Börsenschluss: Wall Street feiert fulminantes Comeback


In der letzten Handelsstunde haben die US-Börsen kräftig zugelegt und hoch im Plus geschlossen.
Grund für die plötzliche Euphorie war ein Medienbericht, wonach der künftige US-Präsident Barack Obama Top-Banker Timothy Geithner zum Finanzminister macht.

Der Dow Jones schloss um 6,5 höher bei 8046 Punkten. Der breiter gefasste S&P-500 gewann 6,3 % auf 800 Zähler. Der Index der Technologiebörse Nasdaq legte 5 % zu.

Damit endete die Börsenwoche mit einem Paukenschlag. Einem Medienbericht zufolge will der künftige US-Präsident Barack Obama Top-Banker Timothy Geithner zum Finanzminister machen. Derzeit ist er Chef der Notenbank von New York. Ein Sprecher der Fed in New York wollte sich zu dem Bericht nicht äußern. Es werde erwartet, dass Obama sein Wirtschafts-Team am kommenden Montag benennen werde, um die Finanzmärkte zu beruhigen, berichtete der TV-Sender NBC News. Ferner will die Zeitung "New York Times" erfahren haben, dass Hillary Clinton neue US-Außenministerin werden wird. Clinton habe ein entsprechendes Angebot des künftigen US-Präsidenten Barack Obama angenommen, hieß es.

Auf Unternehmensseite kam der Aktienkurs von Citigroup nicht zur Ruhe. Das Finanzinstitut spielt einer eingeweihten Person zufolge verschiedene Szenarien für eine Übernahme oder Fusion durch. Dazu gehöre der Verkauf von Unternehmensteilen oder der Zusammenschluss mit einer anderen Bank. Das Führungsgremium der Bank sollte noch am Freitag zusammenkommen. Die Citi-Aktien legten kurz nach Börsenöffnung noch rund 3 % zu, ehe sie ins Minus drehten und um rund 20 % tiefer schlossen. Bereits am Donnerstag hatten die Titel zeitweise ein Viertel an Wert eingebüßt.


Energietitel legen zu, Dell verliert
Zu den Gewinnern zählten Energietitel: Exxon verteuerte sich um rund 10 %, die Chevron-Aktie um annähernd 9 %. Ebenfalls im Plus notierten nach einem positiven Analystenkommentar die Papiere von Microsoft. Sie legten um 11 % zu.

Die Quartalszahlen des Computerherstellers Dell sorgten nur kurz für gute Laune. Der weltweit zweitgrößte Computerhersteller stemmt sich mit einem massiven Sparprogramm bisher erfolgreich gegen den weltweiten Konjunkturabschwung. Im dritten Quartal erzielte Dell unter dem Strich einen Überschuss von 727 Mio. $, was einem Rückgang von fünf Prozent gegenüber dem Vorjahreszeitraum entsprach. Analysten hatten allerdings ein noch stärkeres Minus erwartet. Dell-Titel legten zu Börsenauftakt noch zu, um mit einem Abschlag von 5 % aus dem Handel zu gehen.

Von Sven Lilienthal (Frankfurt)

[florian28061977]

Antwort auf Beitrag Nr.: 36.043.257 von bödel am 22.11.08 08:02:23

ich habe heute eine größere Order mit Limit für Afla für 2 Monate hineingestellt, ich hoffe ich bekomme in dieser Zeit meine Anteile

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.074.157 von florian28061977 am 26.11.08 13:20:49

ich habe heute eine größere Order mit Limit für Afla für 2 Monate hineingestellt, ich hoffe ich bekomme in dieser Zeit meine Anteile

dann wünsche ich Dir, aber nur Dir, nen Kursrückgang...
Momentan siehts aber gerade anders aus, hüpft schön nach oben die letzten tage...schon 20% im Plus...kann aber auch wieder weg sein bei dieser Vola...
ändert aber nix am Unternehmen, da ist meiner meinung nach alles in Takt und wird eben in Sittenhaftung genommen.

Gruss space

[florian28061977]

Antwort auf Beitrag Nr.: 36.090.117 von spaceistheplace am 27.11.08 13:12:13

welches Limit würdest du eingeben? meines liegt bei 35USD

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.090.218 von florian28061977 am 27.11.08 13:18:47

welches Limit würdest du eingeben? meines liegt bei 35USD

Tja, gute Frage! Kann Dir da keinen Tipp geben. Gut möglich, dass wir da wieder hinkommen, oder auch gar nicht, oder erst nächstes Jahr wieder...wer weiss das? Keiner! Ggf. musst Du den Kursen hinter herrennen.

Ich würde mir die Frage stellen, ob ich von AFLAC als Unternehmen überzeugt bin oder nicht. Als nächstes, ob die aktuell überberwertet oder unterbewertet sind. Aktuell kann man bestimmt nicht von Überbewertung sprechen...
Bei 60 Dollat vor 2 Monaten warst Du vielleicht ja auch schon überzeugt und dahe5r solltest Du die aktuellen Kurse als geschenk sehen, auch die aktuellen 45.

Ich will Dich nicht vom kauf überzeugen, jedoch meine Gedanken darstellen. Wenn ich von einem Unternehmen überzeugt bin, dann kaufe ich normalwerweise.

Oder ne andere Möglichkeit, jetzt mal ein Drittel oder die Hälfte des Kapitals setzen, später den Rest.

Gruss space

Aflac letzte 6 Monate:

[bödel]

wird heute Kursfeuerwerk in Deutschland
AFLAC in USA 6 % plus geschlossen
Die Amis fangen wider au zu spinnen
glauben wennn sie der autoindustrie ein paaar Millarden geben
ging es wider aufwärts
KONJUNKTURAUSSICHTEN WEITER TRÜBE
Massive Leitzins Senkungen werden auch erst in ein paar Monaten greifen.
Schöne Woche und gute Gewinne

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.163.845 von bödel am 08.12.08 08:31:29

Massive Leitzins Senkungen werden auch erst in ein paar Monaten greifen.

Die Börse handelt die Zzukunft, also schon jetzt den Zustand von Mitte 2009. Scheinbar geht man dabei davon aus, dass es Mitte des nächsten jahres den Tiefpunkt der Entwicklung gibt. Die Massnahmen werden schon die Rezession abdämpfen. Klar, es kann noch schlimmer kommen wie aktuelll prognostiziert, dann werden die Kurse auch weiter fallen. Ich hoffe jedoch auf ne Bodenbildung, die ja jetzt schon seit rd. 6 Wochen IM Gange ist, zumindest an den US-Märkten.

Auch bin ich der festen Überzeugung, dass es die USA als erste aus der Krise schaffen werden und Europa mit zeitversetzung. Also Schwerpunkt auf US-Aktien legen, insbesonders wenn man sich jetzt noch vor der AGS eindecken will....

Gruss space

[florian28061977]

Antwort auf Beitrag Nr.: 36.163.930 von spaceistheplace am 08.12.08 08:54:01

bin jetzt auch in Aflac eingestiegen, der wert ist zur Zeit rcht günsig,ein TOP Unternehmen

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.168.121 von florian28061977 am 08.12.08 19:18:06

willkommen im Aflac-Club. Wirst Dein Invewst nicht bereuen!

Gruss space

[florian28061977]

Antwort auf Beitrag Nr.: 36.169.894 von spaceistheplace am 09.12.08 07:38:27

Ich habe mir lange mit einer Entscheidung Zeit gelassen (wie du ja weißt), aber ohne gründlicher Studium (auch der Jahresberichte) soll man kein Investment machen.

Space, weißt du ob der niedere Gewinn (0,21 USD) im 3. Quartal nur auf die Abschreibungen zurück geht. Kennst du diese Summe genau, weil diese muss man für eine geründliche Analyse herausrechnen.

Ich denke, dass es langfristig nur sehr wenige Werte gibt, die ein konstantes Wachstum haben, dazu zähle ich neben Aflac auch KO,PG,CL und MO, nur wer diese Werte ausfindig macht, kann langfristig gewinnen.

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.174.932 von florian28061977 am 09.12.08 18:32:32

Space, weißt du ob der niedere Gewinn (0,21 USD) im 3. Quartal nur auf die Abschreibungen zurück geht. Kennst du diese Summe genau, weil diese muss man für eine geründliche Analyse herausrechnen.

Oh je, da fragst Du was. Da kann ich Dir nicht ne genaue Info gegebn, müsstest mal den letzten Quartalsbericht durchlesen, müsste hier stehen. ich meine zu glauben, dass es ne Sonderbelastung gibt, bin mir aber nicht sicher.

Ich denke, dass es langfristig nur sehr wenige Werte gibt, die ein konstantes Wachstum haben, dazu zähle ich neben Aflac auch KO,PG,CL und MO, nur wer diese Werte ausfindig macht, kann langfristig gewinnen.

Dazu zähle ich auch SYK, WMT, PEP, Nestle und H&M. Allesamt mit sehr guten Bilanzkennzahlen.

Gruss space

[bödel]

Chanzenreich sehe ich auch: BNI.NYS

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.177.950 von bödel am 10.12.08 10:05:53

Chanzenreich sehe ich auch: BNI.NYS

Buffett-Aktie!
Könnte aktuell leiden bei ner Rezession, könnte aber auch schon im Kurs drin sein.
Mit Bahnaktien habe ich mich noch nie auseinandergesetzt, daher kein Tipp von mir.

Gruss space

[bödel]

warum der kurseinbruch ???
AFLAC Inc.
11.01.09 03:11 Uhr

29,89 USD

-33,77% [-15,24]

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.350.828 von bödel am 11.01.09 15:43:01

warum der kurseinbruch ???
nix da, Falschmeldung, am FR. rd. 3 % runter:

http://finance.yahoo.com/q?s=AFL

Gruss space

[bödel]

super das nicht stimmt
DANKE

[bödel]

Mist, aber jetzt, was ist da los ????

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.428.865 von bödel am 22.01.09 17:36:42

das hier, aber übersetzen tue i9ch es nicht. Es werden Portfolio-Verluste erwartet, DEmenti kam aber schnell seitens Aflac:

UPDATE: Aflac Nears 9-Year Low; Fears Over European Securities1-22-09 12:38 PM EST | E-mail Article | Print Article

(Updates throughout with more details from analyst research, background and latest stock price.)

By Ed Welsch

Of DOW JONES NEWSWIRES
NEW YORK -(Dow Jones)- Shares of Aflac Inc. (AFL) dropped to their lowest level since mid-2000 Thursday after an analyst said the insurer's exposure to hybrid securities issued by European banks, including Royal Bank of Scotland Group PLC (RBS), is a "rapidly escalating concern."

Aflac shares fell as much as 39% to $22.08 in morning trading after Morgan Stanley analyst Nigel Dally told the firm's clients to avoid Aflac's stock owing to its $7.9 billion of exposure to securities that have been sharply marked down after European financial firms announced large losses this week.

"If even a small portion of these losses are realized, the hit to Aflac's capital ratios could be substantial, and their overall capital adequacy could be significantly less than most investors believe," he said.

A spokeswoman for the Columbus, Ga., company wasn't immediately available to comment.

Dally said the value of securities issued by Royal Bank of Scotland, which said Monday its losses last year could be the largest corporate losses in the history of the U.K., dropped as low as 15 cents on the dollar this week, while similar securities issued by other European banks have declined 30% or more to well below 50 cents on the dollar in many cases.

About 80% of Aflac's$7.9 billion hybrid securities come from European financial institutions including RBS, Dally said.

He estimated that if Aflac was to take a hit from its exposure to these securities of more than 15%, its capital ratio would decline to a level where its credit ratings would be at risk and the company might need to consider taking steps to raise more capital.

Dally said Aflac's rationale for holding the securities was based on the idea that the European banks would be viewed by the governments as too large to fail. "Faced with a distress scenario, Aflac believed the respective governments would step in to provide support," he said.

So far, the U.K. has backed that idea up, injecting GBP37 billion ($51.3 billion) into RBS, HBOS PLC and Lloyds TSB Group PLC.

But after RBS said Monday its loss during 2008 would be between GBP22 billion and GBP28 billion, it became clear that the U.K. government would have to commit more to prop up its failing banks, and investors feared it would have to go so far as to nationalize them.

Dally said Aflac's bet that the U.K. will backstop RBS and other banks is risky, because if it and other banks are nationalized outright, all classes of stock, including the preferred shares Aflac holds, could be wiped out.

Aflac is scheduled to report its fourth-quarter results on Feb. 2, in which it will announce losses, if any, on its hybrid securities portfolio.

Aflac shares were down 30% to $25.31 in recent trading. Just over $5 billion of the company's market value has been wiped away so far Thursday.


Dementi:

Aflac says it's 'comfortable' with its capital position
By Alistair Barr
Last update: 1:07 p.m. EST Jan. 22, 2009
Comments: 4
SAN FRANCISCO (MarketWatch) -- Aflac Inc. (AFL:
AFLAC Incorporated
News , chart , profile , more
Last: 24.24-12.03-33.17%
2:23pm 01/22/2009
Delayed quote data
Add to portfolio
Analyst
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Financials
Sponsored by:
AFL 24.24, -12.03, -33.2%) said Thursday that it's "comfortable" with its capital position in the wake of a Morgan Stanley analyst note that warned investors about potential losses within the insurer's investment portfolio. "We're comfortable with our current capital position and are constantly monitoring our investment portfolio," Laura Kane, a spokeswoman at Aflac, said. "We will be issuing our earnings release on February 2nd and specific details will be available then."

[bödel]

immer noch kein boden gefunden

[spaceistheplace]

Antwort auf Beitrag Nr.: 36.455.097 von bödel am 27.01.09 10:21:26

Aflac, ein Spioelball der Spekulanten. Wo das enden wird, weiß´kein Mensch. Am. 2. Feb. kommen die Zahlen, da wissen wir wohl etwas mehr...

Gruss space

[bödel]

Analysten-Bewertung - 28.01.09
Aflac "buy"<-->


Rating-Update: New York (aktiencheck.de AG) - Die Analysten der Citigroup stufen die Aktie von Aflac (<-->/ <--> von "hold" auf "buy" herauf. Das Kursziel werde von 50 USD auf 40 USD gesenkt. (28.01.2009/ac/a/u)

[bödel]

03.02.2009 16:45
Analysten zu Aflac
Columbus (BoerseGo.de) – Das Investmenthaus Credit Suisse First Boston bestätigt sein Neutral Rating für die Aktie des US-Versicherers Aflac, (News) kürzt jedoch sein Kursziel von 45 Dollar auf 33 Dollar. Die Kollegen von Friedman Billings halten an ihrem Outperform Rating fest, revidieren allerdings ihr Kursziel von 59 Dollar auf 46 Dollar nach unten. Der US-Versicherer hat für das Geschäftsjahr 2009 seine Gewinnprognose von 4,51 bis 4,59 Dollar pro Aktie bekräftigt und sieht aktuell keine Notwendigkeit einer weiteren Kapitalerhöhung.

Die Aktie gewinnt aktuell 3,73 Prozent auf 23,84 Dollar.
(© BörseGo AG 2007 - http://www.boerse-go.de, Autor: Hoyer Christian, Redakteur)

[bödel]

Antwort auf Beitrag Nr.: 36.461.670 von spaceistheplace am 28.01.09 07:16:29

hat man gestern wieder in usa gesehen!!
"Spielball der Spekulanten "

[bödel]

AFLAC INC. Registered Shares D..
18.03.09 19:26 Uhr

14,80 EUR

+30,17% [+3,43]
Börse: Frankfurt

[bödel]

tal der tränen vorbei
21.04.09 22:00 Uhr 29,23 USD +17,06 % [+4,26] KGVe: 6,23

DIVe: 3,83% WKN: 853081

https://isht.comdirect.de/charts/small.ewf.chart?hist=6m&sSy…

[bödel]

Antwort auf Beitrag Nr.: 37.014.234 von bödel am 22.04.09 07:37:30

08.05.09 17:22 Uhr

35,06 USD

+5,99 % [+1,98]
.

[bödel]

08.05.09 22:01 Uhr

37,66 USD

+13,85 % [+4,58]

[bödel]

28.09.09 22:01 Uhr

42,46 USD

+4,35 % [+1,77]

[bödel]

29.09.09 15:45 Uhr

30,41 EUR

+10,22 % [+2,82]

[bödel]

heute wird Widerstand 43,83 gebrochen
.
https://isht.comdirect.de/html/detail/main.html?sSym=AFL.NYS…
.
Chartanalyse (02.10.09):


USD EUR

Verkaufen bei 37,75 --

Widerstand 43,83 --

Unterstützung 40,47 --

[bödel]

http://www.thestreet.com/story/10607229/1/aflac-has-no-need-…

[bödel]

Antwort auf Beitrag Nr.: 38.124.795 von bödel am 06.10.09 17:05:08

http://www.thestreet.com/story/10607229/1/aflac-has-no-need-…

[bödel]

Aflac neutral

Rating-Update: Zürich (aktiencheck.de AG) - Die Analysten der UBS stufen die Aktie von Aflac (/ ) von "sell" auf "neutral" hoch. (06.10.2009/ac/a/u)

[bödel]

weiter positiver Chartverlauf

Wiederstand bei 46 ist nun zu brechen

[bödel]

Widerstand 46,61 gebrochen
ex Dividende ist auch schnee von gestern
KUrsziel 50,00 $

[bödel]

das sollte weiter nach oben gehen

[bödel]

und keine Meinungen zum Verlauf der Aktie

[bödel]

bei den amis geht die post ab

[bödel]

wiede rmit kursgewinnen is USA

[florian28061977]

Antwort auf Beitrag Nr.: 39.256.492 von bödel am 31.03.10 17:43:00

ich habe bei 11USD letztes Jahr bei AFL nachgekauft, ich habe jetzt einen Durchschnittseinstiegskurs von 26USD. Bin Langfristinvestor. Ein sehr solides Unternehmen. Weißt du wann die Diviergöhung ansteht?

[bödel]

fast jeden TAg ein wenig rauf
auf Wochensicht sieht es noch besser aus.