Mission Statement, Vision, & Core Values of MetLife, Inc. (MET)

MetLife, Inc.'s guiding principles-'Always with you, building a more confident future'-are defintely more than just wall art; they are the operational compass that drove a trailing twelve-month net income of $4.091 billion ending June 30, 2025, a 51.07% jump year-over-year. That kind of performance, backed by a 'New Frontier' strategy targeting a 15-17% adjusted return on equity (ROE), shows a clear line from purpose to profit. But what does a core value like 'Do the Right Thing' actually mean for your investment thesis, and how does it translate into the consistent execution needed to hit those double-digit adjusted earnings per share (EPS) growth goals? Let's break down the Mission Statement, Vision, and Core Values to see if their foundation is as strong as their balance sheet.

MetLife, Inc. (MET) Overview

You're looking for a clear picture of MetLife, Inc. (MET), not just a list of products. The takeaway here is that MetLife is a global financial powerhouse, strategically focused on group benefits and international markets, driving strong adjusted earnings growth despite volatile net income, with TTM revenue near $72 billion as of late 2025.

MetLife's history stretches back to 1868, evolving from a company focused on Civil War-era disability coverage to a global leader in insurance and employee benefits. A key strategic pivot occurred in 2017 when the company spun off its U.S. retail business into Brighthouse Financial, allowing MetLife to concentrate on its core strengths: group insurance plans and international operations. They've been in the game for over a century and a half, so they know a thing or two about risk.

Today, the company provides a diverse range of products and services to approximately 90 million customers globally, operating in over 40 markets. Their main offerings include group life insurance, dental insurance, disability insurance, annuities, and asset management services through MetLife Investment Management. This shift to group benefits and international presence is a deliberate, less capital-intensive strategy.

• Life and Health Insurance
• Dental and Disability Coverage
• Annuities and Retirement Solutions
• Employee Benefit Programs
• Asset Management Services

For the latest period ending September 30, 2025, MetLife's trailing twelve months (TTM) revenue stood at approximately $71.93 billion. That's a massive top line, but the real story is in the segments.

Latest Financial Performance and Growth Drivers

Looking at the Q3 2025 results, you see the classic insurance story: strong underlying business growth countered by market volatility. Premiums, fees, and other revenues (PFOs) for the third quarter of 2025 were $12.5 billion, which was flat year-over-year. But don't let the flat PFO number fool you.

The firm's net income decreased by a significant 36% to $818 million in Q3 2025, primarily due to higher net derivative losses and net investment losses. This is the market risk playing out. Still, the underlying business is strong, as evidenced by the adjusted earnings per share (EPS) which actually increased by 21% to $2.52, surpassing analyst forecasts.

Here's the quick math on where the growth is coming from:

• Group Benefits adjusted earnings rose 22%, driven by favorable expense margins and volume growth.
• Net Investment Income saw a robust 16% rise, totaling $6.1 billion, with variable investment income contributing $483 million.
• Asia Sales showed impressive growth of 34% in the quarter.

MetLife also secured $1.2 billion in pension risk transfer (PRT) mandates in the fourth quarter to date, a clear sign of their strength in the Retirement and Income Solutions segment. Analysts are defintely bullish on the full year, projecting MetLife's adjusted EPS to reach $9.11 for the full fiscal year 2025, which would be a 12.3% increase from 2024. That's a solid growth trajectory.

A Global Leader in the Insurance Industry

MetLife is not just a large company; it's a market leader with a global footprint and leading positions in key regions. The company is one of the largest life insurers in the U.S. by assets and a top-tier provider of employee benefits worldwide. They have leveraged their size and expertise to maintain leading market positions in the United States, Asia, and Latin America, particularly in Mexico and Chile.

The company's 'New Frontier' growth strategy, launched in late 2024, is focused on aggressive expansion and capitalizing on their retirement platform, which shows they are not resting on past success. In a nod to their corporate culture, MetLife was also recognized as a Top 25 Fortune World's Best Workplace™ in 2025, placing No. 10. This kind of recognition matters; it suggests a stable, high-performing organization that can attract and retain top talent, which is the ultimate competitive advantage in financial services.

To truly understand the strategic depth behind these numbers, including the mission that guides their decisions and the ownership structure that drives their capital allocation, you need to dig deeper. Find out more about the engine driving this global leader: MetLife, Inc. (MET): History, Ownership, Mission, How It Works & Makes Money.

MetLife, Inc. (MET) Mission Statement

You're looking for the bedrock of MetLife, Inc.'s strategy, and honestly, it all starts with their guiding principle. A company's mission isn't just a poster on the wall; it's the operating manual for every major capital allocation decision and every customer interaction. For MetLife, that guiding force is their Purpose: Always with you, building a more confident future. This statement is the lens through which they view their long-term goals, from investing their massive general account to developing new digital tools.

This focus on a confident future is directly tied to their financial strength, which is crucial for an insurer. Think about it: customers are trusting MetLife with their financial security decades down the line. That's why the company's Q1 2025 Risk-Based Capital (RBC) ratio of 388% is so important; it comfortably exceeds regulatory benchmarks and shows they have the financial cushion to keep those promises. For a deeper dive into how this all connects, you can check out MetLife, Inc. (MET): History, Ownership, Mission, How It Works & Makes Money.

Fostering Collective Expertise: Win Together

The first core component of MetLife's operational mission is the value of Win Together. This isn't just about internal teamwork; it's about leveraging diverse perspectives to create better products and services for their approximately 90 million global customers. In a complex, global financial market, no single person has all the answers, so collaboration and inclusion are defintely key.

They actively encourage this through initiatives that have earned them a spot on the Fortune World's 25 Best Workplaces™ list for 2025, placing at No. 10. That recognition is a hard number that shows their internal culture is working. It means they're collaborating across teams-from the U.S. Group Benefits segment, which saw adjusted earnings surge 29% in Q1 2025, to the international markets where they are expanding their footprint. The whole is greater than the sum of its parts.

• Collaborate across diverse global teams.
• Capitalize on varied employee perspectives.
• Drive strong segment growth, like the 29% Q1 2025 Group Benefits adjusted earnings.

Upholding Trust and Prudence: Do the Right Thing & Think Ahead

The second component combines two critical values: Do the Right Thing and Think Ahead. For a financial institution, this translates directly into integrity, accountability, and prudent risk management. You can't build a confident future for customers if you aren't prepared for the next market twist.

MetLife's commitment here is visible in their financial discipline. Their capital position, with a Q1 2025 RBC ratio of 388%, is a concrete example of thinking ahead. It's a buffer that assures stakeholders the company can weather economic downturns. Also, their focus on doing the right thing means following through on commitments, which is the foundation for serving a massive client base that includes 94 of the top 100 Fortune 500 companies in the U.S. Honesty and accountability are non-negotiable when managing $587.6 billion in assets, as MetLife Investment Management (MIM) did as of June 2024.

Driving Measurable Results: Deliver Impact Over Activity

The final core component, Deliver Impact Over Activity, is the analyst's favorite, because it cuts straight through the noise. It means MetLife is focused on measurable value creation, not just being busy. This value guides their strategic 'New Frontier' growth plan, which targets a double-digit adjusted earnings per share growth over the next five years.

The near-term results for 2025 show this focus in action. In Q1 2025, premiums, fees, and other revenues (PFOs) climbed to $13.6 billion, a 14% increase, demonstrating real revenue impact. Plus, their investment in digital transformation is showing a clear return. The Xcelerator digital platform, for example, has already reached 4.5 million customers and generated approximately $200 million in adjusted PFOs, proving that strategic investments are translating into tangible impact. Analysts project MetLife's adjusted EPS to reach $9.11 for fiscal 2025, an expected 12.3% growth from 2024, which is a clear metric of impact over mere activity.

MetLife, Inc. (MET) Vision Statement

You're looking for the North Star of a financial giant, and I get it. A company's vision isn't just a poster on the wall; it's the financial roadmap that dictates capital allocation and risk appetite. MetLife, Inc.'s vision, central to its 'New Frontier' strategy launched in late 2024, is clear: to achieve stronger growth, attractive returns, and all-weather performance. That's a three-part mandate, and it's backed by the numbers we've seen so far in 2025.

This vision is a significant shift from simple stability, focusing instead on aggressive, yet responsible, expansion. It tells us MetLife is moving past just managing its legacy book of business and is actively hunting for high-quality, sustainable growth. It's a realist's vision for a complex market, honestly.

Stronger Growth: The 'New Frontier' Strategy

The 'Stronger Growth' component is the engine of the 'New Frontier' strategy, focusing on market expansion and leveraging their global footprint. This isn't about chasing volume at any cost; it's about profitable market penetration, especially in Asia and Latin America. We saw this play out in the first three quarters of 2025.

For example, in the first quarter of 2025, MetLife's premiums, fees, and other revenues (PFOs) jumped 14% to $13.6 billion. That's a serious top-line move. Plus, the Group Benefits segment saw its adjusted earnings rise by a strong 29% in Q1 2025, driven by favorable life underwriting. They're also securing massive pension risk transfer (PRT) mandates, locking in about $12 billion in PRT mandates in the fourth quarter to date, which is a huge win for their Retirement and Income Solutions business. You can defintely see the strategy in action.

• PFOs hit $12.5 billion in Q3 2025.
• Asia sales grew an impressive 34% in Q3 2025.
• Institutional client Assets Under Management (AUM) at MetLife Investment Management exceeded $200 billion in Q2 2025.

Attractive Returns: Targeting a 15-17% Adjusted ROE

For investors, 'Attractive Returns' is the most concrete part of the vision. The company is targeting a long-term adjusted return on equity (ROE) in the 15% to 17% range. That's a high bar in the insurance sector, and it shows a commitment to capital efficiency.

Here's the quick math: Analysts are projecting MetLife's adjusted Earnings Per Share (EPS) to reach $9.11 for the full fiscal year 2025, representing a 12.3% growth from 2024. That's double-digit EPS growth, which aligns perfectly with their 'New Frontier' target. In Q1 2025, their adjusted ROE was already a healthy 14.4%, just shy of the low end of their target range. They're also serious about shareholder returns, having repurchased approximately $1.4 billion of common shares and distributed $400 million in dividends in Q1 2025 alone.

All-Weather Performance: Mission as the Anchor

The third pillar, 'All-Weather Performance,' is where the risk management and long-term stability come in. This is crucial for a financial institution; it means being resilient across various economic cycles. The mission statement-'Always with you, building a more confident future'-serves as the cultural anchor for this resilience.

This focus on confidence and partnership is what helps them maintain customer loyalty and stable cash flows even when markets get choppy. For example, while Q3 2025 net income saw a decline to $818 million due to higher net derivative and investment losses, their adjusted EPS still rose by 21% to $2.34, showing the underlying business strength is protected from short-term market noise. That's the definition of 'all-weather' in action: the core business keeps delivering. You can dive deeper into their balance sheet metrics in Breaking Down MetLife, Inc. (MET) Financial Health: Key Insights for Investors.

Core Values: The Operational Compass

MetLife's three core values are the daily operating instructions for how to achieve the vision. They're simple, but they drive everything from product design to claims processing. They are: 'Put Customers First,' 'Be the Best,' and 'Succeed Together.' These aren't just feel-good phrases; they translate directly into operational excellence and risk mitigation.

The 'Put Customers First' value, for instance, means digital investments to make things easier. The 'Be the Best' value is a relentless search for better ways of doing things, which is how they hit that 15-17% ROE target. And 'Succeed Together' is about internal collaboration and external partnerships, like their April 2025 collaboration with SKYGEN to enhance dental insurance administration.

MetLife, Inc. (MET) Core Values

You're looking for the operating manual behind MetLife, Inc.'s (MET) financial performance, and honestly, it's not just about the balance sheet. It's about their core values. These principles-Win Together, Do the Right Thing, Deliver Impact Over Activity, and Think Ahead-are what drive their strategy, the Breaking Down MetLife, Inc. (MET) Financial Health: Key Insights for Investors, and their impressive Q1 2025 results.

As a seasoned analyst, I see these values as a risk-mitigation strategy and a growth engine. They are the scaffolding that supports a global enterprise serving approximately 90 million customers. Let's look at how these abstract ideas translate into concrete 2025 actions and numbers.

Win Together

This value is about collaboration and leveraging the diverse perspectives of their employees across the globe. It's the engine for their culture, and a strong culture defintely pays dividends.

MetLife's commitment to its people is clear in their workplace recognition. For the second year running, the company earned a coveted place among the Fortune World's 25 Best Workplaces™ for 2025, placing No. 10 on the list. That kind of global recognition shows that their internal 'village' is working well. They were also certified as a Great Place to Work in 33 markets in 2025, which is a massive logistical and cultural achievement.

When employees are aligned, the whole machine runs smoother. This internal strength is a key factor in their Group Benefits segment, which saw adjusted earnings rise by 29% in Q1 2025, driven by favorable life underwriting. You can't get that kind of underwriting performance without a cohesive, focused team.

Do the Right Thing

This is the integrity value, the promise-keeping that's crucial for any insurer. It means following through on commitments and holding themselves accountable to customers, shareholders, and the community. In this business, trust is your most valuable asset.

For shareholders, doing the right thing means delivering value. In Q1 2025, MetLife returned a total of $1.8 billion to shareholders, which included approximately $1.4 billion in share repurchases and $400 million in dividends. Plus, in April 2025, the board approved a new $3.0 billion share repurchase program.

For communities, this value is realized through the MetLife Foundation. While the Foundation has historically provided over $894 million in grants, its ongoing work is focused on promoting economic opportunity for underserved communities. Their commitment to ethical business is also tied to their sustainability goals, including a plan to invest $5 billion in green investments.

Deliver Impact Over Activity

This value is a mandate for efficiency and strategic focus, ensuring that time and resources are directed toward the highest and best use. It's the constant push to cut noise and focus on what truly moves the needle-the financial equivalent of Occam's razor.

Here's the quick math on impact: MetLife Investment Management (MIM) grew its institutional client assets under management (AUM) to more than $200 billion by the end of Q2 2025. That kind of growth in AUM is a direct result of prioritizing high-impact investment strategies over simply being busy.

The 'New Frontier' strategy, launched in late 2024, is the current map for this value, targeting a double-digit adjusted earnings per share (EPS) growth and a 15-17% adjusted return on equity (ROE) over its duration. The Q1 2025 adjusted ROE of 14.4% shows they are already close to the lower bound of that target, proving the strategy is delivering impact right out of the gate.

Think Ahead

Thinking Ahead means preparing for the future by anticipating different possibilities and adapting to change. In the insurance world, this is about innovation, digital transformation, and smart capital deployment.

The company's digital push is a concrete example. The 'Xcelerator' digital platform in Latin America, which focuses on enhancing customer experience and accessibility, reached 4.5 million customers and generated about $200 million in revenue in its first year. That's a powerful return on an innovation investment.

They are also expanding their Asset Management division. The acquisition of PineBridge Investments in late 2024 for $1.2 billion added approximately $100 billion in assets under management. This strategic move is a clear effort to diversify revenue streams and prepare for future market shifts, a classic 'Think Ahead' play.

• Accelerate growth in asset management.
• Expand leadership in Group Benefits.
• Leverage retirement platforms for new liability.
• Increase footprint in high-growth international markets.

The overall goal is a future-proof business model. The Q1 2025 premiums, fees, and other revenues (PFOs) of $13.6 billion-a 14% increase year-over-year-suggest that their forward-looking strategy is already translating into top-line growth.