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 (15)
- Leverage is building — debt rising while equity contracts: Long-term debt grew +108.7% while stockholders equity declined -8.6%. The debt-to-equity ratio is deteriorating, increasing financial risk and interest burden. This may constrain future borrowing capacity.
- NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" 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 3 filing(s).
- Operating cash flow exceeds net income: OCF is 8.70x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- 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.
- 1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 1 new risk-language term(s) detected in filing text: Restatement of financial statements.
- Revenue declined **+2.7%** YoY to $66.91B.
- 5-year revenue CAGR **-0.8%**; 10y CAGR -1.0%.
- Market cap $57.95B at $90.06 per share.
- Trailing P/E 49.76, P/S 0.87, P/B 2.12.
- Composite risk: Elevated.
- Leverage debt/equity 0.69 (moderate).
- Leverage is building — debt rising while equity contracts: Long-term debt grew +108.7% while stockholders equity declined -8.6%. The debt-to-equity ratio is deteriorating, increasing financial risk and interest burden. This may constrain future borrowing capacity.
- NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" 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 3 filing(s).
Filings & ownership
- Latest annual report (10-K) filed Feb 19, 2026.
- Latest quarterly report (10-Q) filed May 7, 2026.
- 13 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
Full MET analyst report
Valuation (DCF & Graham), technicals, macro exposure, risk scorecard and 13F/13D ownership.
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