Subtext

MetLife, Inc. MET

SectorFinancials
Transcripts65
Date range2009-05-01 – 2025-05-01
Calls charted65

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-19-9+0+9+192009 Q12011 Q22013 Q32015 Q42018 Q12020 Q22022 Q32024 Q42009 Q1 · Overall: -6.62009 Q2 · Overall: +0.32009 Q3 · Overall: -2.32009 Q4 · Overall: -0.72010 Q1 · Overall: -0.62010 Q2 · Overall: +2.82010 Q3 · Overall: +2.52010 Q4 · Overall: +1.12011 Q1 · Overall: +1.42011 Q2 · Overall: +4.92011 Q3 · Overall: -1.12011 Q4 · Overall: +2.82012 Q1 · Overall: +4.52012 Q2 · Overall: +4.02012 Q3 · Overall: -4.32012 Q4 · Overall: -5.52013 Q1 · Overall: -3.52013 Q2 · Overall: -1.52013 Q3 · Overall: +0.12013 Q4 · Overall: +1.62014 Q1 · Overall: +2.02014 Q2 · Overall: -8.12014 Q3 · Overall: +3.12014 Q4 · Overall: +4.12015 Q1 · Overall: +0.72015 Q2 · Overall: -0.12015 Q3 · Overall: -5.92015 Q4 · Overall: -5.02016 Q1 · Overall: -3.12016 Q2 · Overall: -2.62016 Q3 · Overall: +1.02016 Q4 · Overall: -1.22017 Q1 · Overall: +3.22017 Q2 · Overall: +3.92017 Q3 · Overall: +2.52017 Q4 · Overall: -2.02018 Q1 · Overall: +6.72018 Q2 · Overall: +6.22018 Q3 · Overall: +3.22018 Q4 · Overall: +7.12019 Q1 · Overall: +15.62019 Q2 · Overall: +12.02019 Q3 · Overall: +8.22019 Q4 · Overall: +8.22020 Q1 · Overall: +0.42020 Q2 · Overall: -1.72020 Q3 · Overall: +4.02020 Q4 · Overall: +6.52021 Q1 · Overall: +8.52021 Q2 · Overall: +7.92021 Q3 · Overall: +3.22021 Q4 · Overall: +8.62022 Q1 · Overall: +7.22022 Q2 · Overall: +7.82022 Q3 · Overall: +7.82022 Q4 · Overall: +7.32023 Q1 · Overall: +4.22023 Q2 · Overall: +7.92023 Q3 · Overall: +12.12023 Q4 · Overall: +6.92024 Q1 · Overall: -4.12024 Q2 · Overall: +16.52024 Q3 · Overall: +9.32024 Q4 · Overall: +8.82025 Q1 · Overall: +6.3
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-42-21+0+21+422009 Q12011 Q22013 Q32015 Q42018 Q12020 Q22022 Q32024 Q42009 Q1 · CEO: +8.42009 Q2 · CEO: +21.82009 Q3 · CEO: +8.02009 Q4 · CEO: +9.72010 Q1 · CEO: +12.02010 Q2 · CEO: +3.72010 Q3 · CEO: +17.02010 Q4 · CEO: +24.62011 Q1 · CEO: +28.52011 Q2 · CEO: +16.12011 Q3 · CEO: +4.32011 Q4 · CEO: +6.02012 Q1 · CEO: +3.82012 Q2 · CEO: +5.02012 Q3 · CEO: +4.82012 Q4 · CEO: +10.92013 Q1 · CEO: -1.62013 Q2 · CEO: +4.12013 Q3 · CEO: +4.32013 Q4 · CEO: +5.42014 Q1 · CEO: +8.62014 Q2 · CEO: -9.82014 Q3 · CEO: +1.32014 Q4 · CEO: +10.92015 Q2 · CEO: +4.12016 Q1 · CEO: +12.72016 Q3 · CEO: +6.12016 Q4 · CEO: +9.92017 Q1 · CEO: +10.72017 Q2 · CEO: +15.82017 Q3 · CEO: +6.02017 Q4 · CEO: -4.42018 Q1 · CEO: +12.72018 Q2 · CEO: +12.32018 Q3 · CEO: +3.72018 Q4 · CEO: +13.92019 Q1 · CEO: +36.62019 Q2 · CEO: +26.82019 Q3 · CEO: +19.92019 Q4 · CEO: +25.72020 Q1 · CEO: +8.22020 Q2 · CEO: +6.32020 Q3 · CEO: +17.12020 Q4 · CEO: +11.72021 Q1 · CEO: +17.62021 Q2 · CEO: +11.12021 Q3 · CEO: +6.82021 Q4 · CEO: +14.82022 Q1 · CEO: +10.22022 Q2 · CEO: +11.02022 Q3 · CEO: +15.82022 Q4 · CEO: +22.72023 Q2 · CEO: +14.92023 Q3 · CEO: +14.12023 Q4 · CEO: +16.42024 Q2 · CEO: +34.62024 Q3 · CEO: +22.42024 Q4 · CEO: +20.22025 Q1 · CEO: +10.12009 Q1 · CFO: -8.82009 Q2 · CFO: -2.12009 Q3 · CFO: -9.32009 Q4 · CFO: -4.42010 Q1 · CFO: -1.82010 Q2 · CFO: +21.32010 Q3 · CFO: -0.52010 Q4 · CFO: -0.32011 Q1 · CFO: +1.82011 Q2 · CFO: +6.72011 Q3 · CFO: -1.02011 Q4 · CFO: +2.92012 Q1 · CFO: +12.62012 Q2 · CFO: +9.22012 Q3 · CFO: -8.22012 Q4 · CFO: -8.02013 Q1 · CFO: +0.72013 Q2 · CFO: +0.72013 Q3 · CFO: +0.02013 Q4 · CFO: +3.32014 Q1 · CFO: -0.92014 Q2 · CFO: -10.02014 Q3 · CFO: +3.52014 Q4 · CFO: +6.82015 Q2 · CFO: +3.62016 Q3 · CFO: +3.42016 Q4 · CFO: +0.32017 Q1 · CFO: +2.22017 Q2 · CFO: +3.92017 Q3 · CFO: +4.02017 Q4 · CFO: -0.82018 Q1 · CFO: +9.92018 Q2 · CFO: +7.62018 Q3 · CFO: +6.82018 Q4 · CFO: +11.12019 Q1 · CFO: +14.82019 Q2 · CFO: +16.02019 Q3 · CFO: +12.62019 Q4 · CFO: +12.22020 Q1 · CFO: +5.42020 Q2 · CFO: -6.02020 Q3 · CFO: +4.82020 Q4 · CFO: +10.22021 Q2 · CFO: +11.22021 Q3 · CFO: +6.42021 Q4 · CFO: +10.92022 Q1 · CFO: +9.42022 Q2 · CFO: +9.52022 Q3 · CFO: +11.12022 Q4 · CFO: +5.92023 Q2 · CFO: +12.02023 Q3 · CFO: +12.32023 Q4 · CFO: +5.22024 Q2 · CFO: +15.02024 Q3 · CFO: +11.92024 Q4 · CFO: +9.62025 Q1 · CFO: +10.4
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-31-15+0+15+312009 Q12011 Q22013 Q32015 Q42018 Q12020 Q22022 Q32024 Q42009 Q1 · Prepared remarks: +0.42009 Q2 · Prepared remarks: +4.22009 Q3 · Prepared remarks: -1.02009 Q4 · Prepared remarks: +5.92010 Q1 · Prepared remarks: +10.42010 Q2 · Prepared remarks: +14.82010 Q3 · Prepared remarks: +6.82010 Q4 · Prepared remarks: +9.92011 Q1 · Prepared remarks: +8.32011 Q2 · Prepared remarks: +16.72011 Q3 · Prepared remarks: +6.32011 Q4 · Prepared remarks: +3.52012 Q1 · Prepared remarks: +9.82012 Q2 · Prepared remarks: +10.12012 Q3 · Prepared remarks: -4.72012 Q4 · Prepared remarks: -2.12013 Q1 · Prepared remarks: +2.02013 Q2 · Prepared remarks: +1.32013 Q3 · Prepared remarks: +1.32013 Q4 · Prepared remarks: +1.72014 Q1 · Prepared remarks: +2.72014 Q2 · Prepared remarks: -8.72014 Q3 · Prepared remarks: +5.92014 Q4 · Prepared remarks: +8.92015 Q1 · Prepared remarks: +4.02015 Q2 · Prepared remarks: +7.22015 Q3 · Prepared remarks: -6.62015 Q4 · Prepared remarks: -1.92016 Q1 · Prepared remarks: -1.62016 Q2 · Prepared remarks: -1.12016 Q3 · Prepared remarks: +7.22016 Q4 · Prepared remarks: +7.72017 Q1 · Prepared remarks: +4.42017 Q2 · Prepared remarks: +7.62017 Q3 · Prepared remarks: +5.62017 Q4 · Prepared remarks: -3.22018 Q1 · Prepared remarks: +12.22018 Q2 · Prepared remarks: +10.32018 Q3 · Prepared remarks: +8.92018 Q4 · Prepared remarks: +12.62019 Q1 · Prepared remarks: +26.42019 Q2 · Prepared remarks: +26.72019 Q3 · Prepared remarks: +21.12019 Q4 · Prepared remarks: +20.42020 Q1 · Prepared remarks: +8.72020 Q2 · Prepared remarks: +1.42020 Q3 · Prepared remarks: +9.92020 Q4 · Prepared remarks: +10.22021 Q1 · Prepared remarks: +10.32021 Q2 · Prepared remarks: +13.02021 Q3 · Prepared remarks: +8.32021 Q4 · Prepared remarks: +9.22022 Q1 · Prepared remarks: +10.12022 Q2 · Prepared remarks: +11.22022 Q3 · Prepared remarks: +9.12022 Q4 · Prepared remarks: +8.82023 Q1 · Prepared remarks: +7.72023 Q2 · Prepared remarks: +12.52023 Q3 · Prepared remarks: +11.52023 Q4 · Prepared remarks: +11.42024 Q1 · Prepared remarks: -1.72024 Q2 · Prepared remarks: +24.02024 Q3 · Prepared remarks: +14.72024 Q4 · Prepared remarks: +13.42025 Q1 · Prepared remarks: +11.82009 Q1 · Q&A responses: -6.62009 Q2 · Q&A responses: +1.42009 Q3 · Q&A responses: -1.92009 Q4 · Q&A responses: -0.52010 Q1 · Q&A responses: -3.92010 Q2 · Q&A responses: -0.82010 Q3 · Q&A responses: +2.72010 Q4 · Q&A responses: -0.22011 Q1 · Q&A responses: +1.62011 Q2 · Q&A responses: +1.42011 Q3 · Q&A responses: -2.02011 Q4 · Q&A responses: +4.82012 Q1 · Q&A responses: +1.72012 Q2 · Q&A responses: +3.32012 Q3 · Q&A responses: +1.02012 Q4 · Q&A responses: -5.12013 Q1 · Q&A responses: -3.72013 Q2 · Q&A responses: +2.02013 Q3 · Q&A responses: -0.42013 Q4 · Q&A responses: +2.92014 Q1 · Q&A responses: +6.22014 Q2 · Q&A responses: -1.52014 Q3 · Q&A responses: +3.72014 Q4 · Q&A responses: +5.72015 Q1 · Q&A responses: +3.22015 Q2 · Q&A responses: -5.52015 Q3 · Q&A responses: +0.72015 Q4 · Q&A responses: -3.72016 Q1 · Q&A responses: -0.32016 Q2 · Q&A responses: +0.52016 Q3 · Q&A responses: -2.92016 Q4 · Q&A responses: -4.62017 Q1 · Q&A responses: +9.42017 Q2 · Q&A responses: +6.42017 Q3 · Q&A responses: +5.82017 Q4 · Q&A responses: +5.82018 Q1 · Q&A responses: +8.32018 Q2 · Q&A responses: +3.62018 Q3 · Q&A responses: +3.12018 Q4 · Q&A responses: +7.72019 Q1 · Q&A responses: +13.42019 Q2 · Q&A responses: +3.82019 Q3 · Q&A responses: +1.72019 Q4 · Q&A responses: +5.52020 Q1 · Q&A responses: -7.82020 Q2 · Q&A responses: -1.02020 Q3 · Q&A responses: +2.52020 Q4 · Q&A responses: +7.02021 Q1 · Q&A responses: +14.02021 Q2 · Q&A responses: +5.92021 Q3 · Q&A responses: +1.62021 Q4 · Q&A responses: +16.92022 Q1 · Q&A responses: +7.02022 Q2 · Q&A responses: +8.32022 Q3 · Q&A responses: +9.22022 Q4 · Q&A responses: +8.12023 Q1 · Q&A responses: +3.22023 Q2 · Q&A responses: +8.02023 Q3 · Q&A responses: +18.72023 Q4 · Q&A responses: +4.22024 Q2 · Q&A responses: +11.32024 Q3 · Q&A responses: +10.42024 Q4 · Q&A responses: +10.82025 Q1 · Q&A responses: +4.9
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$4.39$7.17$9.952009 Q12011 Q22013 Q32015 Q42018 Q12020 Q22022 Q32024 Q42014 Q1: $5.802014 Q2: $5.902014 Q3: $5.972014 Q4: $5.972015 Q1: $5.962015 Q2: $6.072015 Q3: $6.112015 Q4: $5.912016 Q1: $5.832016 Q2: $5.712016 Q3: $5.442016 Q4: $5.612017 Q1: $5.432017 Q2: $5.562017 Q3: $4.792017 Q4: $4.772018 Q1: $5.032018 Q2: $5.272018 Q3: $5.432018 Q4: $5.532019 Q1: $5.582019 Q2: $5.862019 Q3: $5.982019 Q4: $6.062020 Q1: $6.162020 Q2: $5.672020 Q3: $5.932020 Q4: $6.222021 Q1: $6.412021 Q2: $7.042021 Q3: $7.472021 Q4: $7.092022 Q1: $7.462022 Q2: $7.972022 Q3: $8.092022 Q4: $8.312023 Q1: $8.532023 Q2: $8.472023 Q3: $8.862023 Q4: $9.222024 Q1: $9.072024 Q2: $9.162024 Q3: $9.57

Forward P/E

4.057.8211.602009 Q12011 Q22013 Q32015 Q42018 Q12020 Q22022 Q32024 Q42014 Q1: 9.162014 Q2: 9.582014 Q3: 9.252014 Q4: 8.682015 Q1: 8.662015 Q2: 9.232015 Q3: 8.112015 Q4: 8.242016 Q1: 7.502016 Q2: 7.342016 Q3: 8.052016 Q4: 10.052017 Q1: 9.892017 Q2: 9.592017 Q3: 10.162017 Q4: 11.082018 Q1: 9.342018 Q2: 8.922018 Q3: 8.782018 Q4: 7.102019 Q1: 8.012019 Q2: 8.322019 Q3: 8.012019 Q4: 8.442020 Q1: 4.572020 Q2: 6.662020 Q3: 6.342020 Q4: 7.452021 Q1: 9.382021 Q2: 9.042021 Q3: 8.312021 Q4: 8.582022 Q1: 9.052022 Q2: 7.822022 Q3: 8.212022 Q4: 8.772023 Q1: 6.602023 Q2: 6.362023 Q3: 7.202023 Q4: 7.182024 Q1: 8.012024 Q2: 7.622024 Q3: 8.28

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2014 Q2 tone ↓ -10.1 fwd EPS ↑ +0.10 Tone cooled even as the forward EPS estimate rose.
  • 2016 Q3 tone ↑ +3.7 fwd EPS ↓ -0.27 Tone rose while the forward EPS estimate was cut.
  • 2016 Q4 tone ↓ -2.2 fwd EPS ↑ +0.17 Tone cooled even as the forward EPS estimate rose.
  • 2017 Q1 tone ↑ +4.4 fwd EPS ↓ -0.18 Tone rose while the forward EPS estimate was cut.
  • 2018 Q3 tone ↓ -3.0 fwd EPS ↑ +0.16 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q2 tone ↓ -3.6 fwd EPS ↑ +0.28 Tone cooled even as the forward EPS estimate rose.
  • 2019 Q3 tone ↓ -3.8 fwd EPS ↑ +0.12 Tone cooled even as the forward EPS estimate rose.
  • 2020 Q1 tone ↓ -7.8 fwd EPS ↑ +0.10 Tone cooled even as the forward EPS estimate rose.
  • 2021 Q3 tone ↓ -4.7 fwd EPS ↑ +0.42 Tone cooled even as the forward EPS estimate rose.
  • 2021 Q4 tone ↑ +5.4 fwd EPS ↓ -0.38 Tone rose while the forward EPS estimate was cut.
  • 2023 Q1 tone ↓ -3.1 fwd EPS ↑ +0.22 Tone cooled even as the forward EPS estimate rose.
  • 2023 Q4 tone ↓ -5.1 fwd EPS ↑ +0.36 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q3 tone ↓ -7.2 fwd EPS ↑ +0.40 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q12025-05-01+6.3——View →
2024 Q42025-02-06+8.8——View →
2024 Q32024-10-31+9.3$9.578.3View →
2024 Q22024-08-01+16.5$9.167.6View →
2024 Q12024-05-02-4.1$9.078.0View →
2023 Q42024-02-01+6.9$9.227.2View →
2023 Q32023-11-02+12.1$8.867.2View →
2023 Q22023-08-03+7.9$8.476.4View →