MetLife reports 10% adjusted EPS growth in FY2025; Q4 adj. EPS $2.58 beats; returns $4.4B to shareholders

METLIFE INC

2025-FY EPS reported $4.71 revenue$77,084,000,000

FY2025 net income $3.2B ($4.71/sh); adjusted EPS ex notable items $8.89, up 10% YoY.
PFOs $57.6B (+10%); record RIS PRT $14.2B and UK longevity reinsurance $11.1B.
Direct expense ratio 11.7% beat 12.1% target; FCF ratio 81% exceeded 65-75% target; adj. ROE 16%.
Q4 adj. earnings $1.648B (+13%); adj. EPS ex notable $2.58 (+24%); driven by higher VII and volume.
2026 outlook: double-digit EPS growth, adj. ROE 15-17%, direct expense target 12.1%, VII ~$1.6B.

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