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MetLife, Inc.

MetLife, Inc.

NYSE•MET
CEO: Mr. Michel Abbas Khalaf
Sector: Financial Services
Industry: Insurance - Life
Listing Date: 2000-04-05
MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates through six segments: Retirement and Income Solutions; Group Benefits; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, individual disability, pet insurance, accidental death and dismemberment, vision, and accident and health coverages, as well as prepaid legal plans; administrative services-only arrangements to employers; and general and separate account, and synthetic guaranteed interest contracts, as well as private floating rate funding agreements. It also provides pension risk transfers, institutional income annuities, structured settlements, and capital markets investment products; and other products and services, such as life insurance products and funding agreements for funding postretirement benefits, as well as company, bank, or trust-owned life insurance used to finance nonqualified benefit programs for executives. In addition, it provides fixed, indexed-linked, and variable annuities; pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity reinsurance solutions; credit insurance products; and protection against long-term health care services. MetLife, Inc. was incorporated in 1999 and is based in New York, New York.
Contact Information
200 Park Avenue, New York, NY, 10166-0188, United States
212-578-9500
www.metlife.com
Market Cap
$50.58B
P/E (TTM)
13.3
14.8
Dividend Yield
2.9%
52W High
$88.09
52W Low
$65.21
52W Range
51%
Rank29Top 17.8%
5.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$16.88B-8.45%
4-Quarter Trend

EPS

$1.23-32.42%
4-Quarter Trend

FCF

$3.57B-14.44%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Nine Month Net Income Decline Net income available to common shareholders reached 2.395B USD for nine months, a decrease of 592M USD versus prior year period.
Total Revenues Show Modest Growth Total revenues grew to 53.270B USD for the nine months ended September 30, 2025, showing an increase of 950M USD over the prior period.
Derivative Losses Significantly Worsened Net derivative losses totaled (1.293)B USD for nine months; unfavorable change of 573M USD (net of tax) driven by currency movements.
PineBridge Acquisition Progressing Well Pending acquisition of PineBridge Investments remains on track, expected to close by end of 2025, subject to regulatory approvals and customary conditions.

Risk Factors

Investment Gains/Losses Deteriorated Net investment losses reached (985)M USD for nine months; unfavorable change of 112M USD (net of tax) due to higher ACL on mortgage loans.
Interest Rate Stagnation Risks Market interest rates remain a key driver; stagnation or volatility impacts investment portfolio results and insurance liabilities significantly across various segments.
Mexico VAT Tax Change Impact Revised Mexico VAT law expected to reduce Latin America adjusted earnings by 50M USD to 60M USD in 2026, impacting regional profitability outlook.
Mortgage Loan Credit Loss Rising ACL on mortgage loans increased due to higher expected credit losses, reflecting economic uncertainty and potential deterioration in credit quality indicators like DSCR.

Outlook

Pension Risk Transfer Mandates Secured Company secured approximately 12B USD in pension risk transfer mandates during the fourth quarter of 2025, signaling growth in Retirement Solutions segment.
Chariot Re Reinsurance Completed Initial reinsurance transaction with Chariot Re completed July 1, 2025, involving 8.4B USD reinsurance recoverable and 8.9B USD funds withheld liability.
Liquidity Position Remains Strong Liquidity management focuses on maintaining ample sources; short-term liquidity stood at 19.9B USD at September 30, 2025, excluding committed facilities.
Series G Preferred Stock Redeemed All outstanding Series G preferred stock was redeemed in September 2025 for 1.0B USD cash, reducing preferred obligations.

Peer Comparison

Revenue (TTM)

MetLife, Inc.MET
$71.29B
-0.1%
Prudential Financial, Inc.PRU
$57.91B
-13.2%
Manulife Financial CorporationMFC
$49.05B
+41.4%

Gross Margin (Latest Quarter)

Aflac IncorporatedAFL
43.9%
+28.1pp
Globe Life Inc.GL
41.3%
-58.7pp
CNO Financial Group, Inc.CNO
38.7%
+7.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MFC$62.97B14.911.5%1.3%
AFL$58.57B13.915.4%7.1%
MET$50.58B13.313.8%2.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-3.3%
Flat Growth
4Q Net Income CAGR
-11.0%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 4, 2026
|
EPS:$2.37
|
Revenue:$31.63B
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $16.88B-8.5%
    |
    EPS: $1.23-32.4%
    Miss
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $17.18B-3.6%
    |
    EPS: $1.04-18.8%
    Miss
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 1, 2025|
    Revenue: $18.57B+15.6%
    |
    EPS: $1.29+16.2%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 21, 2025|
    Revenue: $69.94B+3.3%
    |
    EPS: $5.98+228.6%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 1, 2024|
    Revenue: $18.44B+16.2%
    |
    EPS: $1.82+225.0%
    Miss
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 1, 2024|
    Revenue: $17.82B+7.2%
    |
    EPS: $1.28+166.7%
    Miss
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 2, 2024|
    Revenue: $16.06B+4.3%
    |
    EPS: $1.11+5998.9%
    Miss
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 16, 2024|
    Revenue: $66.90B-0.4%
    |
    EPS: $1.82-71.3%
    Miss