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METLIFE INC (MET) Stock Fundamental Analysis

NYSE:MET - US59156R1086 - Common Stock

80.6605 USD
-0.17 (-0.21%)
Last: 8/26/2025, 11:58:39 AM
Fundamental Rating

4

Overall MET gets a fundamental rating of 4 out of 10. We evaluated MET against 143 industry peers in the Insurance industry. There are concerns on the financial health of MET while its profitability can be described as average. MET has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year MET was profitable.
MET had a positive operating cash flow in the past year.
Each year in the past 5 years MET has been profitable.
Each year in the past 5 years MET had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.58%, MET is doing worse than 62.94% of the companies in the same industry.
MET has a better Return On Equity (14.78%) than 72.73% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.74%, MET is in line with its industry, outperforming 40.56% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MET is below the industry average of 4.11%.
The 3 year average ROIC (0.52%) for MET is below the current ROIC(0.74%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.58%
ROE 14.78%
ROIC 0.74%
ROA(3y)0.39%
ROA(5y)0.53%
ROE(3y)9.29%
ROE(5y)8.85%
ROIC(3y)0.52%
ROIC(5y)0.65%
MET Yearly ROA, ROE, ROICMET Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of MET (5.60%) is worse than 60.84% of its industry peers.
In the last couple of years the Profit Margin of MET has declined.
Looking at the Operating Margin, with a value of 9.33%, MET is in line with its industry, outperforming 44.06% of the companies in the same industry.
MET's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 9.33%
PM (TTM) 5.6%
GM N/A
OM growth 3Y-9.41%
OM growth 5Y-3.49%
PM growth 3Y-12.69%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
MET Yearly Profit, Operating, Gross MarginsMET Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MET is destroying value.
Compared to 1 year ago, MET has less shares outstanding
Compared to 5 years ago, MET has less shares outstanding
The debt/assets ratio for MET is higher compared to a year ago.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

The Debt to FCF ratio of MET is 1.31, which is an excellent value as it means it would take MET, only 1.31 years of fcf income to pay off all of its debts.
MET has a Debt to FCF ratio (1.31) which is in line with its industry peers.
MET has a Debt/Equity ratio of 0.72. This is a neutral value indicating MET is somewhat dependend on debt financing.
MET has a Debt to Equity ratio of 0.72. This is amonst the worse of the industry: MET underperforms 86.01% of its industry peers.
Even though the debt/equity ratio score it not favorable for MET, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 1.31
Altman-Z N/A
ROIC/WACC0.1
WACC7.69%
MET Yearly LT Debt VS Equity VS FCFMET Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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5

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.25% over the past year.
Measured over the past 5 years, MET shows a small growth in Earnings Per Share. The EPS has been growing by 5.91% on average per year.
The Revenue has been growing slightly by 6.26% in the past year.
MET shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.37% yearly.
EPS 1Y (TTM)0.25%
EPS 3Y-3.75%
EPS 5Y5.91%
EPS Q2Q%-11.4%
Revenue 1Y (TTM)6.26%
Revenue growth 3Y-0.02%
Revenue growth 5Y0.37%
Sales Q2Q%-4.08%

3.2 Future

Based on estimates for the next years, MET will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.71% on average per year.
Based on estimates for the next years, MET will show a small growth in Revenue. The Revenue will grow by 4.26% on average per year.
EPS Next Y7.13%
EPS Next 2Y11.7%
EPS Next 3Y11.63%
EPS Next 5Y11.71%
Revenue Next Year3%
Revenue Next 2Y3.3%
Revenue Next 3Y3.57%
Revenue Next 5Y4.26%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
MET Yearly Revenue VS EstimatesMET Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
MET Yearly EPS VS EstimatesMET Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

MET is valuated reasonably with a Price/Earnings ratio of 10.07.
63.64% of the companies in the same industry are more expensive than MET, based on the Price/Earnings ratio.
MET's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.
With a Price/Forward Earnings ratio of 7.94, the valuation of MET can be described as very cheap.
Based on the Price/Forward Earnings ratio, MET is valued a bit cheaper than the industry average as 67.13% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.63. MET is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.07
Fwd PE 7.94
MET Price Earnings VS Forward Price EarningsMET Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

MET's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MET is cheaper than 67.83% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MET is valued a bit cheaper than the industry average as 78.32% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.52
EV/EBITDA 6.79
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

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.41
PEG (5Y)1.71
EPS Next 2Y11.7%
EPS Next 3Y11.63%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.86%, MET has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.52, MET pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, MET pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.86%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

5.3 Sustainability

41.87% of the earnings are spent on dividend by MET. 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.
DP41.87%
EPS Next 2Y11.7%
EPS Next 3Y11.63%
MET Yearly Income VS Free CF VS DividendMET Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (8/26/2025, 11:58:39 AM)

80.6605

-0.17 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners91.39%
Inst Owner Change-5.98%
Ins Owners0.17%
Ins Owner Change6.1%
Market Cap53.64B
Analysts79.05
Price Target95.12 (17.93%)
Short Float %1.11%
Short Ratio2.4
Dividend
Industry RankSector Rank
Dividend Yield 2.86%
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP41.87%
Div Incr Years2
Div Non Decr Years2
Ex-Date08-05 2025-08-05 (0.5675)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.86%
Min EPS beat(2)-6.87%
Max EPS beat(2)-2.86%
EPS beat(4)0
Avg EPS beat(4)-5.61%
Min EPS beat(4)-10.99%
Max EPS beat(4)-1.74%
EPS beat(8)2
Avg EPS beat(8)-1.81%
EPS beat(12)4
Avg EPS beat(12)-2.85%
EPS beat(16)8
Avg EPS beat(16)6.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.82%
Min Revenue beat(2)-4.27%
Max Revenue beat(2)2.63%
Revenue beat(4)2
Avg Revenue beat(4)-1.99%
Min Revenue beat(4)-6.53%
Max Revenue beat(4)2.63%
Revenue beat(8)4
Avg Revenue beat(8)-1.35%
Revenue beat(12)6
Avg Revenue beat(12)-0.87%
Revenue beat(16)7
Avg Revenue beat(16)-1.46%
PT rev (1m)-2.7%
PT rev (3m)0.54%
EPS NQ rev (1m)-3.46%
EPS NQ rev (3m)-6.49%
EPS NY rev (1m)-3.55%
EPS NY rev (3m)-4.8%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 10.07
Fwd PE 7.94
P/S 0.73
P/FCF 3.52
P/OCF 3.52
P/B 1.94
P/tB 2.89
EV/EBITDA 6.79
EPS(TTM)8.01
EY9.93%
EPS(NY)10.16
Fwd EY12.59%
FCF(TTM)22.9
FCFY28.39%
OCF(TTM)22.9
OCFY28.39%
SpS109.89
BVpS41.63
TBVpS27.88
PEG (NY)1.41
PEG (5Y)1.71
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 14.78%
ROCE 0.97%
ROIC 0.74%
ROICexc 0.77%
ROICexgc 1.12%
OM 9.33%
PM (TTM) 5.6%
GM N/A
FCFM 20.84%
ROA(3y)0.39%
ROA(5y)0.53%
ROE(3y)9.29%
ROE(5y)8.85%
ROIC(3y)0.52%
ROIC(5y)0.65%
ROICexc(3y)0.53%
ROICexc(5y)0.66%
ROICexgc(3y)0.78%
ROICexgc(5y)0.97%
ROCE(3y)0.68%
ROCE(5y)0.84%
ROICexcg growth 3Y-6.12%
ROICexcg growth 5Y-2.06%
ROICexc growth 3Y-5.87%
ROICexc growth 5Y-1.33%
OM growth 3Y-9.41%
OM growth 5Y-3.49%
PM growth 3Y-12.69%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 1.31
Debt/EBITDA 2.64
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.7
Cash Conversion 202.22%
Profit Quality 372.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.69%
ROIC/WACC0.1
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)633.54%
Profit Quality(5y)464.62%
High Growth Momentum
Growth
EPS 1Y (TTM)0.25%
EPS 3Y-3.75%
EPS 5Y5.91%
EPS Q2Q%-11.4%
EPS Next Y7.13%
EPS Next 2Y11.7%
EPS Next 3Y11.63%
EPS Next 5Y11.71%
Revenue 1Y (TTM)6.26%
Revenue growth 3Y-0.02%
Revenue growth 5Y0.37%
Sales Q2Q%-4.08%
Revenue Next Year3%
Revenue Next 2Y3.3%
Revenue Next 3Y3.57%
Revenue Next 5Y4.26%
EBIT growth 1Y42.7%
EBIT growth 3Y-9.43%
EBIT growth 5Y-3.13%
EBIT Next Year17.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y29.98%
FCF growth 3Y5.04%
FCF growth 5Y1.15%
OCF growth 1Y29.98%
OCF growth 3Y5.04%
OCF growth 5Y1.15%