{"schema_version":"secwatch.filing_event.v1","accession":"0001099219-26-000008","form_type":"8-K","ticker":"MET","cik":"0001099219","company_name":"METLIFE INC","filed_at":"2026-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.537802+00:00","generated_at":"2026-05-16T04:49:20.165804+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"MetLife reports 10% adjusted EPS growth in FY2025; Q4 adj. EPS $2.58 beats; returns $4.4B to shareholders","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001099219-26-000008","json":"https://secwatch.observer/filing/0001099219-26-000008.json","markdown":"https://secwatch.observer/filing/0001099219-26-000008.md","text":"https://secwatch.observer/filing/0001099219-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1099219/000109921926000008/0001099219-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1099219/000109921926000008/met-20260204.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:49:20.165804+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"}