---
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"
generated_at: "2026-05-16T04:49:20.165804+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001099219-26-000008
- JSON: https://secwatch.observer/filing/0001099219-26-000008.json
- Plain text: https://secwatch.observer/filing/0001099219-26-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.