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METLIFE INC 8-K Report, Regulation FD Disclosure (Jan 9, 2026)

Reports
Regulation FD·Exhibits & Filings
Filing Date
Filed January 9, 2026
Period End
January 9, 2026
In the record · 2016–202610-K1110-Q328-K249

MET filed 11 annual reports (10-K), 32 quarterly reports (10-Q) and 249 current reports (8-K) between 2016 and 2026.

  1. Deal closed8-K · Aug ’17Aug ’17
  2. Leadership change8-K · Mar ’23Mar ’23
  3. Leadership change8-K · Mar ’25Mar ’25

01—Abstract

Summary

Summary of the 8-K filed January 9, 2026. Cited figures are marked; the original filing is the authoritative source.

MetLife (MET) filed an 8-K on January 9, 2026 under Item 7.01 (Regulation FD) to furnish a Historical Results Financial Supplement (Exhibit 99.1) that recasts prior-period results to reflect a fourth-quarter 2025 reorganization.

The company now reports six segments: Group Benefits, Retirement and Income Solutions (RIS), Asia, Latin America, EMEA, and MetLife Investment Management (MIM). MIM, previously in Corporate & Other, is now a reportable segment, while MetLife Holdings is no longer a segment and has been folded primarily into Corporate & Other, with some products moved into Group Benefits and RIS. The company also changed agreements so MIM manages general account assets at current market fee rates effective January 1, 2025.

Management states none of these changes affect prior-period consolidated net income or adjusted earnings, so this filing is primarily a presentation change rather than a change in reported performance. The recast supplement gives investors a restated baseline for 2024 and the first three quarters of 2025. Consolidated figures in the exhibit show total revenues of $70.99 billiona and net income attributable to MetLife of $4.43 billion for 2024.

Quarterly adjusted earnings available to common shareholders were $1,459 millionb in Q4 2024, $1,349 million in Q1 2025, $1,362 million in Q2 2025, and $1,584 million in Q3 2025. Q3 2025 included $18 million of net notable items, and adjusted book value per share rose from $54.81 at year-end 2024 to $56.57 at September 30, 2025. Book value per share rose more sharply, from $34.28 to $39.52, reflecting recovery in unrealized investment losses.

For investors, the key takeaways are the improved transparency of the new segment structure, particularly the separate visibility of MIM as an asset manager, and the restated quarterly comparisons needed to evaluate segment trends. Because the filing is furnished rather than filed and does not itself contain new guidance or a change in earnings, its main value is as a tool for modeling 2025 and 2026 results on the new basis. Investors should note that the exhibit covers only historical periods; the full-year 2025 results under the new format are to come in the subsequent Quarterly Financial Supplement.

02—Key points

Key Highlights

  1. New six-segment structure: Group Benefits, RIS, Asia, Latin America, EMEA, and MIM, with MIM elevated from Corporate & Other to a standalone reportable segment
  2. MetLife Holdings no longer a reportable segment; now primarily reported in Corporate & Other, with certain products moved into Group Benefits and RIS
  3. MIM general account asset management agreements amended effective January 1, 2025 to charge current market fee rates, a change from 2024
  4. Management states no impact on prior-period consolidated net income or consolidated adjusted earnings from the reorganization
  5. Q4 2025 onward results will use the new Quarterly Financial Supplement format; the exhibit restates Q4 2024 through Q3 2025 and full-year 2024
  6. Q3 2025 adjusted earnings available to common shareholders of $1,584 million ($2.37 per diluted share), including $18 million of net notable items
  7. Adjusted book value per common share increased to $56.57 at September 30, 2025 from $54.81 at December 31, 2024; GAAP book value per share rose to $39.52 from $34.28

03—Questions

Frequently Asked Questions

  1. Does this 8-K change MetLife's reported earnings?

    No. Management states the segment and fee changes did not affect prior-period consolidated net income attributable to MetLife or consolidated adjusted earnings. The changes alter how results are allocated across segments, not the consolidated totals.

  2. Why did MetLife create a separate MIM segment?

    The reorganization aligns with a strategic initiative to accelerate growth in asset management. Making MetLife Investment Management a reportable segment gives investors direct visibility into its revenues, earnings, and assets under management, which were previously buried in Corporate & Other.

  3. What happened to MetLife Holdings?

    MetLife Holdings is no longer a reportable segment and is now primarily reported within Corporate & Other. Certain of its products were moved into Group Benefits and Retirement and Income Solutions, so investors should expect those businesses to show different results on the new basis.

  4. Why does the restatement matter for investors?

    Because the restatement recasts Q4 2024 through Q3 2025 and full-year 2024, investors can compare quarterly and annual trends on a consistent basis. Without it, year-over-year segment comparisons would mix old and new definitions and could be misleading.

  5. Does the filing include new guidance or 2026 outlook?

    No. The filing is a Regulation FD disclosure furnishing historical recast data and is not filed under the Exchange Act. It does not provide new forward-looking guidance; investors should look to the full-year 2025 results and the Q4 2025 Quarterly Financial Supplement for updated outlook information.

04—Continue

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