Key Takeaways Berkshire's insurance float hit $176B in Q3 2025, backed by strong investments and financial flexibility.MET's New Frontier strategy targets cost cuts, global growth and AI-driven operational efficiency.MET boasts 21% ROE and 2025 EPS growth estimate of 7.2%, topping BRK.B's 7.3% ROE and 5.2% EPS decline.The Federal Reserve, in its latest meeting, cut interest rates for the third time in 2025, and there is a probability of one more next year. Meanwhile, equity markets continue to perform satis ...

Group 1 - MetLife, Inc. is recognized as one of the 9 best life insurance stocks to buy currently [1] - Analyst opinions on MetLife are modestly positive, with over 60% assigning a Buy or equivalent rating, and a consensus 1-year median price target of $93, indicating an upside of over 18%-19% [2] - MetLife announced Q4 2025 preferred stock dividends, including a quarterly dividend of $0.33 per share on its Series A preferred stock [3][4] Group 2 - MetLife completed the transfer of $10 billion in variable annuity risk to Talcott Resolution Life Insurance Company, which will result in a foregone annual adjusted earnings of approximately $100 million, offset by $45 million in annual hedge cost savings [5] - This transaction expedites the run-off of conventional U.S. Retail segment businesses and reduces risk exposure within MetLife Holdings [5] - MetLife Investment Management has signed new agreements with Talcott to manage around $6 billion in assets [5]

Core Insights - MetLife has completed a $10 billion variable annuity risk transfer transaction with Talcott Resolution Life Insurance Company, which aims to reduce MetLife's portfolio risk while retaining policy administration and servicing responsibilities [1][3] Group 1: Transaction Details - The reinsurance structure involves modified coinsurance and funds withheld arrangements, with MetLife expecting to give up approximately $100 million in annual adjusted earnings, partially offset by expected annual hedge cost savings of around $45 million [2] - This transaction supports MetLife's strategy to decrease exposure in its legacy business and brings the total reserves reinsured by Talcott in 2025 to $14 billion [3] Group 2: Related Developments - Earlier in the year, Chariot Reinsurance was established as a Bermuda-based Class E life and annuity reinsurance practice, partnering with MetLife and General Atlantic, and assumed reinsurance responsibilities for liabilities totaling approximately $10 billion from a MetLife subsidiary [4] - In September, MetLife appointed Adrienne O'Neill as the new executive vice-president and chief accounting officer, responsible for managing the company's accounting functions [5]

Core Insights - MetLife has completed a $10 billion variable annuity risk transfer transaction with Talcott Resolution Life Insurance Company, enhancing its risk management strategy [1][2] Group 1: Financial Impact - The transaction is expected to result in an annual reduction in adjusted earnings of approximately $100 million, which will be partially offset by estimated hedge cost savings of about $45 million [2] - This deal will reduce MetLife's portfolio risk and expedite the run-off of legacy business blocks [2] Group 2: Asset Management and Partnerships - MetLife Investment Management will continue to manage around $6 billion in assets on behalf of Talcott, reinforcing its role in asset management [3] - The agreement increases Talcott's total reinsured reserves to $14 billion by 2025, positioning it as a reliable partner for carriers seeking comprehensive risk management solutions [3]

Core Insights - MetLife, Inc. has a market capitalization of $50.3 billion and operates in various financial services sectors, including insurance and asset management [1] - The company is categorized as a "large-cap" stock, providing a diverse range of products such as life and health insurance, pension risk transfers, and capital markets investments [2] Stock Performance - MetLife's stock has decreased by 13.9% from its 52-week high of $88.59 and has fallen 6.2% over the past three months, which is a more significant decline compared to the Financial Select Sector SPDR Fund's (XLF) 2% drop [3] - Year-to-date, MET stock is down 6.8%, underperforming XLF's 9.4% gain, and has fallen 13.5% over the past 52 weeks, while XLF has returned over 3% [4] Financial Results - In Q3 2025, MetLife reported net income of $818 million and adjusted EPS increased by 21% to $2.34, alongside strong investment income and sales momentum in key regions like Asia [5] - The company returned $875 million to shareholders and secured $12 billion in new pension risk transfer mandates, yet the stock fell by 3.4% the following day [5] Competitive Position - Rival Aflac Incorporated has outperformed MetLife, with Aflac's shares gaining 5.9% year-to-date and dropping 3.9% over the past 52 weeks [6] - Despite MetLife's underperformance, analysts maintain a moderately optimistic outlook, with a consensus rating of "Moderate Buy" and a mean price target of $93.38, indicating a potential upside of 22.4% from current levels [6]

Group 1 - MetLife Inc. stock price is currently at $76.56, reflecting a 0.30% increase, but has decreased by 4.08% over the past month and 11.88% over the past year [1] - The P/E ratio for MetLife Inc. is 14.37, which is higher than the industry average P/E ratio of 12.76, suggesting that shareholders may expect better performance from MetLife compared to its peers [6] - A higher P/E ratio could indicate that the stock is overvalued, while a lower P/E might suggest undervaluation or weak growth prospects [5][9] Group 2 - The P/E ratio is a critical metric for long-term shareholders to evaluate market performance against historical earnings and industry standards [5] - Investors should use the P/E ratio cautiously, as it is only one of many metrics to consider when assessing a company's financial health [8][9] - A comprehensive analysis that includes various financial ratios, industry trends, and qualitative factors is essential for making informed investment decisions [9]

Core Viewpoint - MetLife, Inc. (NYSE:MET) is viewed positively by Wall Street despite mixed fiscal Q3 2025 results, with analysts maintaining Buy ratings while adjusting price targets downward [1][2]. Financial Performance - For fiscal Q3 2025, MetLife reported a revenue decrease of 5.85% year-over-year to $17.36 billion, missing expectations by $789.2 million [2]. - The earnings per share (EPS) of $2.37 exceeded estimates by $0.05, indicating strong performance in this area [2][3]. Management Insights - The revenue decline was attributed to significant net investment losses of $325 million and net derivative losses of $929 million [3]. - Despite these losses, adjusted earnings per share increased by 21%, supported by strong variable investment income, broad-based volume growth, and effective expense management [3]. Company Overview - MetLife, Inc. is a global financial services company that offers insurance, annuities, employee benefits, and asset management services to both individual and institutional customers [4].

Core Insights - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and Dividend Champions, targeting premium dividend yields up to 10% [1][3] - The iREIT®+HOYA Capital service is designed for income-focused investing, emphasizing sustainable portfolio income, diversification, and inflation hedging [2][3] Group 1 - The investment research covers various asset classes including REITs, ETFs, closed-end funds, preferreds, and dividend champions [3] - The service offers exclusive income-focused portfolios aimed at achieving dependable monthly income [3] Group 2 - The analysis will shift from regional banks' preferred stocks to life insurance companies, starting with MetLife, Inc. [3] - The author has a background in data analysis and pension fund management, focusing on strategies for retirement investing [3]

Core Insights - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and Dividend Champions, targeting premium dividend yields up to 10% [1][3] - The iREIT®+HOYA Capital service emphasizes sustainable portfolio income, diversification, and inflation hedging for investors [2][3] Investment Strategy - The investment group provides research and strategies for various asset classes, including REITs, ETFs, closed-end funds, preferreds, and dividend champions [3] - The service aims to help investors achieve dependable monthly income and portfolio diversification [3] Market Position - iREIT®+HOYA Capital is positioned as a premier income-focused investing service on Seeking Alpha, offering exclusive income-focused portfolios [2][3]

Core Points - The FIFA Global Citizen Education Fund has opened grant applications for grassroots organizations focused on K-12 education, with applications accepted until December 31, 2025 [1][3] - The Fund aims to raise USD $100 million to expand access to quality education and sports, with MetLife Foundation recognized as a founding donor after contributing USD $9 million [2][3] - Grants will range from USD $50,000 to $250,000, with approximately 150 organizations expected to be awarded, serving between 500 and 10,000 individuals [3] Company Overview - MetLife, Inc. is a leading financial services company providing insurance, annuities, employee benefits, and asset management, operating in over 40 markets globally [4] - MetLife Foundation focuses on driving inclusive economic mobility through grants aligned with economic empowerment, financial health, and resilient communities, having contributed over $1 billion since its inception in 1976 [5]