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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
MetLife
MetLife (MET) investor relations material
MetLife Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Record adjusted EPS excluding notable items was $2.85, up 22% YoY; adjusted earnings excluding notable items rose 17% to $1.826B.
Adjusted ROE excluding notable items was 19.6%, above the 15%-17% annual target range.
Growth reflected higher variable investment income, broad-based volume gains and favorable underwriting.
Financial highlights
Net income was $2.4B, or $3.67 per share, up 187% and 201% YoY, respectively.
Adjusted earnings were $1.780B, or $2.78 per share; excluding $46M of notable items, they were $1.826B, or $2.85 per share.
Premiums, fees and other revenues were $14.056B; adjusted premiums, fees and other revenues were $13.919B.
Adjusted net investment income rose 10% to $6.0B; variable investment income rose 49% to $720M pre-tax.
Outlook and guidance
RIS full-year adjusted earnings expected slightly above the midpoint of the $1.6B-$1.8B range, assuming normal Q4 VII; Q4 RIS spread expected at 100-120 bps.
MIM remains on track for $240M-$280M full-year adjusted earnings; 2026 direct expense ratio expected below 12.1%, with the 2029 target at 11.3%.
Free cash flow ratio outlook remains 65%-75%; management expects to meet the full-year direct expense ratio target.
Quarterly VII target is $400M; full-year VII expected above the ~$1.6B guide.
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Next MetLife earnings date
J.P. Morgan European Financials Conference19 Nov, 2026
MetLife
Next MetLife earnings date
J.P. Morgan European Financials Conference19 Nov, 2026
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Frequently asked questions
The Metropolitan Life Insurance Company
MetLife, Inc. is a global provider of insurance, annuities, and employee benefits. With a history dating back to 1868, the company has grown to serve approximately 90 million customers across over 60 countries. Over the years, it has expanded its portfolio to include a wide range of financial and insurance services, catering to both individual and institutional customers. The company is headquartered in NYC, and its shares are listed on the NYSE.
Roots in the Civil War
Established in 1868 as the National Union Life and Limb Insurance Company, it was created to provide financial protection for Civil War soldiers and sailors against wartime disabilities. However, the company swiftly pivoted from its original focus, recognizing the broader potential of life insurance in the rapidly industrializing American landscape.
By the 1870s, the firm had shifted its primary focus to life insurance, adopting the name Metropolitan Life Insurance Company and this period marked the beginning of its transformation into one of the largest life insurance companies in the United States. MetLife's adoption of the "industrial" insurance model was pivotal, offering small, affordable policies to working-class Americans, payable weekly or monthly. Today the company is well cemented in the insurance industry and offers its services to over 90 million customers globally.
The Insurance Products
MetLife offers a broad range of insurance products catering to individuals, families, and businesses. Their offerings encompass various types of insurance, and while the company traditionally has been most involved in offering life insurance, its offerings are diverse. This includes everything from various forms of health insurance to auto insurance, and MetLife is one of the largest companies of its kind in the US. However, competition in the industry is tough, and some publicly traded peers to MetLife include AIG, Progressive, and Allstate.
Annuities and Other Services
Beyond its core insurance offerings, MetLife provides a comprehensive suite of annuities and retirement plan solutions, which are integral to its portfolio of financial services. The company's annuities are typically structured to offer clients options ranging from guaranteed fixed returns to more variable returns linked to the performance of underlying assets or market indices. It also provides comprehensive retirement plans for both individual savers as well as institutions looking to provide benefits for its employees.