{"schema_version":"secwatch.filing_event.v1","accession":"0001099219-25-000039","form_type":"8-K","ticker":"MET","cik":"0001099219","company_name":"METLIFE INC","filed_at":"2025-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.929702+00:00","generated_at":"2026-05-27T02:21:08.674435+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"MetLife FY2024 net income $4.2B, EPS up 228%; raises adjusted ROE target to 15-17%","bullets":["FY2024 net income of $4.2B ($5.94 EPS) vs $1.4B ($1.81) in 2023; adjusted EPS $8.15, up 12%.","Q4 net income $1.2B ($1.78 EPS); adjusted EPS $2.09, up 14% YoY.","Adjusted book value per share $54.81, up 2%; holding company cash $5.1B above $3-4B target.","New near-term targets: adjusted ROE 15-17% (from 13-15%), double-digit adjusted EPS growth, direct expense ratio 12.1%.","2025 guidance: VII ~$1.7B, tax rate 24-26%; expects $25B free cash flow over next five years."],"urls":{"canonical":"https://secwatch.observer/filing/0001099219-25-000039","json":"https://secwatch.observer/filing/0001099219-25-000039.json","markdown":"https://secwatch.observer/filing/0001099219-25-000039.md","text":"https://secwatch.observer/filing/0001099219-25-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1099219/000109921925000039/0001099219-25-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1099219/000109921925000039/met-20250205.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T02:21:08.674435+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}