METLIFE INC (MET) Stock Fundamental Analysis

NYSE:MET • US59156R1086

78.89 USD
+0.97 (+1.24%)
At close: Feb 11, 2026
79.3 USD
+0.41 (+0.52%)
Pre-Market: 2/12/2026, 7:06:28 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

MET gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. MET may be in some trouble as it scores bad on both profitability and health. MET is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • MET had positive earnings in the past year.
  • MET had a positive operating cash flow in the past year.
  • In the past 5 years MET has always been profitable.
  • MET had a positive operating cash flow in 4 of the past 5 years.
MET Yearly Net Income VS EBIT VS OCF VS FCFMET Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

1.2 Ratios

  • MET has a Return On Assets of 0.50%. This is in the lower half of the industry: MET underperforms 70.47% of its industry peers.
  • With a Return On Equity value of 12.56%, MET perfoms like the industry average, outperforming 57.72% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 0.63%, MET is doing worse than 67.79% of the companies in the same industry.
Industry RankSector Rank
ROA 0.5%
ROE 12.56%
ROIC 0.63%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MET Yearly ROA, ROE, ROICMET Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • MET's Profit Margin of 5.05% is on the low side compared to the rest of the industry. MET is outperformed by 64.43% of its industry peers.
  • In the last couple of years the Profit Margin of MET has declined.
  • MET has a Operating Margin of 8.34%. This is in the lower half of the industry: MET underperforms 65.77% of its industry peers.
  • MET's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.34%
PM (TTM) 5.05%
GM N/A
OM growth 3Y10.97%
OM growth 5Y-8.47%
PM growth 3Y6.92%
PM growth 5Y-11.66%
GM growth 3YN/A
GM growth 5YN/A
MET Yearly Profit, Operating, Gross MarginsMET Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MET is destroying value.
  • There is no outstanding debt for MET. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
MET Yearly Total Debt VS Total AssetsMET Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of MET is 1.36, which is an excellent value as it means it would take MET, only 1.36 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.36, MET is in the better half of the industry, outperforming 62.42% of the companies in the same industry.
  • A Debt/Equity ratio of 0.69 indicates that MET is somewhat dependend on debt financing.
  • MET has a worse Debt to Equity ratio (0.69) than 82.55% of its industry peers.
  • Although MET does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 1.36
Altman-Z N/A
ROIC/WACC0.08
WACC7.58%
MET Yearly LT Debt VS Equity VS FCFMET Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MET Yearly Current Assets VS Current LiabilitesMET Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.71% over the past year.
  • The Earnings Per Share has been growing slightly by 7.67% on average over the past years.
  • Looking at the last year, MET shows a quite strong growth in Revenue. The Revenue has grown by 8.50% in the last year.
  • Measured over the past years, MET shows a small growth in Revenue. The Revenue has been growing by 2.59% on average per year.
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
Revenue 1Y (TTM)8.5%
Revenue growth 3Y3.32%
Revenue growth 5Y2.59%
Sales Q2Q%22.56%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.26% on average over the next years. This is quite good.
  • Based on estimates for the next years, MET will show a small growth in Revenue. The Revenue will grow by 2.37% on average per year.
EPS Next Y11.33%
EPS Next 2Y11.59%
EPS Next 3Y12.53%
EPS Next 5Y9.26%
Revenue Next Year-5.24%
Revenue Next 2Y-0.86%
Revenue Next 3Y1.58%
Revenue Next 5Y2.37%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MET Yearly Revenue VS EstimatesMET Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
MET Yearly EPS VS EstimatesMET Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.83 indicates a reasonable valuation of MET.
  • Based on the Price/Earnings ratio, MET is valued a bit cheaper than 69.13% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MET to the average of the S&P500 Index (28.18), we can say MET is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.94, the valuation of MET can be described as very cheap.
  • MET's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 70.47% of the companies in the same industry.
  • MET is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.83
Fwd PE 7.94
MET Price Earnings VS Forward Price EarningsMET Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MET is valued a bit cheaper than the industry average as 79.19% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.53
EV/EBITDA N/A
MET Per share dataMET EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • MET's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MET's earnings are expected to grow with 12.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)1.15
EPS Next 2Y11.59%
EPS Next 3Y12.53%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • MET has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.18, MET pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, MET pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.91%

5.2 History

  • The dividend of MET has a limited annual growth rate of 4.59%.
  • MET has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of MET decreased in the last 3 years.
Dividend Growth(5Y)4.59%
Div Incr Years2
Div Non Decr Years2
MET Yearly Dividends per shareMET Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 10 20 30

5.3 Sustainability

  • MET pays out 46.97% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of MET is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.97%
EPS Next 2Y11.59%
EPS Next 3Y12.53%
MET Yearly Income VS Free CF VS DividendMET Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B
MET Dividend Payout.MET Dividend Payout, showing the Payout Ratio.MET Dividend Payout.PayoutRetained Earnings

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METLIFE INC

NYSE:MET (2/11/2026, 8:04:00 PM)

Premarket: 79.3 +0.41 (+0.52%)

78.89

+0.97 (+1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners76.48%
Inst Owner Change-0.71%
Ins Owners0.18%
Ins Owner Change0.56%
Market Cap51.70B
Revenue(TTM)77.08B
Net Income(TTM)3.63B
Analysts79.05
Price Target95.08 (20.52%)
Short Float %1.81%
Short Ratio2.95
Dividend
Industry RankSector Rank
Dividend Yield 2.91%
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP46.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-03
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.86%
Min EPS beat(2)-6.87%
Max EPS beat(2)1.16%
EPS beat(4)1
Avg EPS beat(4)-2.58%
Min EPS beat(4)-6.87%
Max EPS beat(4)1.16%
EPS beat(8)3
Avg EPS beat(8)-1.62%
EPS beat(12)4
Avg EPS beat(12)-2.92%
EPS beat(16)8
Avg EPS beat(16)4.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.03%
Min Revenue beat(2)-5.79%
Max Revenue beat(2)-4.27%
Revenue beat(4)2
Avg Revenue beat(4)-1.81%
Min Revenue beat(4)-5.79%
Max Revenue beat(4)2.63%
Revenue beat(8)3
Avg Revenue beat(8)-2.34%
Revenue beat(12)5
Avg Revenue beat(12)-1.97%
Revenue beat(16)6
Avg Revenue beat(16)-1.99%
PT rev (1m)-1.33%
PT rev (3m)-1.73%
EPS NQ rev (1m)-0.86%
EPS NQ rev (3m)-1.66%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)44.79%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)9.57%
Valuation
Industry RankSector Rank
PE 8.83
Fwd PE 7.94
P/S 0.72
P/FCF 3.53
P/OCF 3.53
P/B 1.79
P/tB 2.6
EV/EBITDA N/A
EPS(TTM)8.93
EY11.32%
EPS(NY)9.94
Fwd EY12.6%
FCF(TTM)22.32
FCFY28.29%
OCF(TTM)22.32
OCFY28.29%
SpS109.81
BVpS44.17
TBVpS30.29
PEG (NY)0.78
PEG (5Y)1.15
Graham Number94.21
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 12.56%
ROCE 0.83%
ROIC 0.63%
ROICexc 0.65%
ROICexgc 0.97%
OM 8.34%
PM (TTM) 5.05%
GM N/A
FCFM 20.33%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y10.97%
OM growth 5Y-8.47%
PM growth 3Y6.92%
PM growth 5Y-11.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.69
Debt/FCF 1.36
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.77
Cash Conversion N/A
Profit Quality 402.5%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.58%
ROIC/WACC0.08
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
EPS Next Y11.33%
EPS Next 2Y11.59%
EPS Next 3Y12.53%
EPS Next 5Y9.26%
Revenue 1Y (TTM)8.5%
Revenue growth 3Y3.32%
Revenue growth 5Y2.59%
Sales Q2Q%22.56%
Revenue Next Year-5.24%
Revenue Next 2Y-0.86%
Revenue Next 3Y1.58%
Revenue Next 5Y2.37%
EBIT growth 1Y-4.29%
EBIT growth 3Y14.65%
EBIT growth 5Y-6.1%
EBIT Next Year-4.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-3.57%
OCF growth 3YN/A
OCF growth 5YN/A

METLIFE INC / MET FAQ

What is the fundamental rating for MET stock?

ChartMill assigns a fundamental rating of 4 / 10 to MET.


What is the valuation status for MET stock?

ChartMill assigns a valuation rating of 6 / 10 to METLIFE INC (MET). This can be considered as Fairly Valued.


What is the profitability of MET stock?

METLIFE INC (MET) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MET stock?

The Price/Earnings (PE) ratio for METLIFE INC (MET) is 8.83 and the Price/Book (PB) ratio is 1.79.


What is the financial health of METLIFE INC (MET) stock?

The financial health rating of METLIFE INC (MET) is 3 / 10.