secwatch.observer — SEC 8-K summary
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Issuer:     METLIFE INC (MET)
CIK:        0001099219
Form:       8-K
Filed at:   2026-02-04T23:59:59+00:00
Accession:  0001099219-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1099219/000109921926000008/0001099219-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1099219/000109921926000008/met-20260204.htm
  HTML page:      https://secwatch.observer/filing/0001099219-26-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer