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Mar 31

MetLife Q1 2025 Earnings Report

MetLife posted solid first-quarter results driven by strong variable investment income and favorable underwriting margins.

Key Takeaways

MetLife delivered a resilient Q1 2025, with net income growing 10% to $879 million and adjusted EPS rising to $1.96. Revenue rose on the back of higher premiums and variable investment income, while the company returned $1.8 billion to shareholders and initiated a $10 billion annuity risk transfer.

Net income rose 10% to $879 million, driven by derivative gains and higher variable investment income.

Adjusted EPS increased to $1.96, reflecting strong operating performance despite currency headwinds.

Revenue reached $18.57 billion, with premiums, fees and other revenues up 14% year over year.

MetLife returned $1.8 billion to shareholders and announced a $10 billion variable annuity risk transfer deal.

Total Revenue
$18.6B
Previous year: $16.1B
+15.6%
EPS
$1.96
Previous year: $1.83
+7.1%
Expense Ratio
18.9%
Previous year: 20.5%
-7.8%
Direct Expense Ratio
10.7%
Previous year: 11.9%
-10.1%
Adj. Expense Ratio ex-PRT
20.6%
Previous year: 20.4%
+1.0%
Cash and Equivalents
$4.5B
Previous year: $19.8B
-77.3%
Total Assets
$688B
Previous year: $678B
+1.6%

MetLife

MetLife

MetLife Revenue by Segment

MetLife Revenue by Geographic Location

Forward Guidance

MetLife expects to sustain momentum through strong recurring cash flow and ongoing execution of its New Frontier strategy.

Positive Outlook

  • Strong recurring cash flow enables continued shareholder returns
  • Execution of New Frontier strategy is advancing through key transactions
  • Dividend per share was increased in April
  • $3 billion in new share repurchases authorized
  • Reinsurance deal expected to reduce retail annuity tail risk

Challenges Ahead

  • Foreign currency headwinds impacted earnings
  • Recurring interest margins were lower
  • Asia faced weaker underwriting and lower surrenders
  • MetLife Holdings continues to decline due to run-off
  • Net investment income was down 10% on a GAAP basis