MetLife Inc. (MET) 10-K Red Flags
Risk signals extracted deterministically from MetLife Inc.’s SEC 10-K/10-Q XBRL filings — no LLM, every finding cites the underlying data.
Detected red flags (13)
- Material weakness in internal controls: The term "material weakness" "internal control" appears in 5 recent filing(s) (vs 4 in the prior period). This risk language is ongoing.
- NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 5 filing(s).
- Operating cash flow exceeds net income: OCF is 5.06x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- NEW: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 3 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 2 new risk-language term(s) detected in filing text: Restatement of financial statements, Off-balance sheet arrangements.
- Ongoing high-severity risk language: Material weakness in internal controls.
- Composite risk: Elevated.
- Leverage debt/equity 0.69 (moderate).
- Material weakness in internal controls: The term "material weakness" "internal control" appears in 5 recent filing(s) (vs 4 in the prior period). This risk language is ongoing.
- NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 5 filing(s).
Filings & ownership
- Latest annual report (10-K) filed Feb 19, 2026.
- Latest quarterly report (10-Q) filed Aug 6, 2026.
- 15 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference MetLife Inc.; broad institutional reporting.
- Recent filers include METLIFE INC (MET, MET-PA, MET-PE, MET-PF), METLIFE INC (MET, MET-PA, MET-PE, MET-PF), METLIFE INC (MET, MET-PA, MET-PE, MET-PF).
- 7 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 13 recent 13G passive institutional ownership notices.
Full MET analyst report
Valuation (DCF & Graham), technicals, macro exposure, risk scorecard and 13F/13D ownership.
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