MetLife, Inc.
MetLife, Inc. is classed by the SEC under Life Insurance (industry code 6311), based in New York, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $2.4 billion and a profit of $3.2 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6311, Life Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.5 out of ten, 9 of 9 metrics filed: past 6.4 out of ten, present 6.4 out of ten, future 6.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.1 out of ten. No warning events in its filings since 2017. 61st percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.2 out of ten. +2.7% a year over 10 filed years; profitable in 10 of 10. 72nd percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 6.2 out of ten. Share count shrank 5.9% a year. 30% of cash flow returned. Insiders: 1 sales, 0 purchases. 62nd percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 6.0 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 96%: owes 96¢ per asset dollar. 60th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.0 out of ten. top 40% of 18 in its family; net margin 4.4%. 60th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 8.0 out of ten. top 20% of 13 in its family for leadership; chief executive since 2020. 80th percentile among 13 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 7.6 out of ten. top 24% of 16 in its family for room to expand. 76th percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.9 out of ten. top 31% of 18 in its family for growth drivers. 69th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.8 out of ten. top 42% of 18 in its family for expectations against reality. 58th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-19 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 144, 2026-10-06. Filings on record since 1999. Read from EDGAR 2026-10-12.
Who runs it
Khalaf, Michel (President & CEO); Tadros, Ramy (President, U.S. Business); Mccallion, John D. (EVP & Chief Financial Officer); Debel, Marlene (EVP & Chief Risk Officer); O'Neill, Adrienne Karen (EVP & Chief Accounting Officer); Curtis, Monica M (EVP & Chief Legal Officer); Sibblies, Shurawl (EVP & Chief HR Officer); Pappas, Bill (EVP, Global Tech. & Ops.); Glaser, Daniel S (director); Harris, Carla A (director); and 10 more. 20 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.
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