METLIFE INC (MET) Stock Fundamental Analysis
USA - NYSE:MET - US59156R1086 - Common Stock
82.78 USD
+0.03 (+0.04%)
MET gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. MET may be in some trouble as it scores bad on both profitability and health. MET has a decent growth rate and is not valued too expensively. MET also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MET had positive earnings in the past year.
In the past year MET had a positive cash flow from operations.
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.
1.2 Ratios
The Return On Assets of MET (0.58%) is worse than 66.21% of its industry peers.
Looking at the Return On Equity, with a value of 14.78%, MET is in the better half of the industry, outperforming 73.10% of the companies in the same industry.
MET has a worse Return On Invested Capital (0.74%) than 62.76% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MET is below the industry average of 4.40%.
The 3 year average ROIC (0.52%) for MET is below the current ROIC(0.74%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
With a Profit Margin value of 5.60%, MET is not doing good in the industry: 62.76% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of MET has declined.
MET's Operating Margin of 9.33% is in line compared to the rest of the industry. MET outperforms 41.38% of its industry peers.
In the last couple of years the Operating Margin of MET has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
MET has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, MET has less shares outstanding
Compared to 5 years ago, MET has less shares outstanding
MET has a worse debt/assets ratio than last year.
2.2 Solvency
MET has a debt to FCF ratio of 1.31. This is a very positive value and a sign of high solvency as it would only need 1.31 years to pay back of all of its debts.
MET has a Debt to FCF ratio (1.31) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.72 indicates that 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 86.21% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 1.31 | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC7.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MET shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.25%.
MET shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.91% yearly.
Looking at the last year, MET shows a small growth in Revenue. The Revenue has grown by 6.26% in the last year.
The Revenue has been growing slightly by 0.37% on average over the past years.
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
The Earnings Per Share is expected to grow by 11.71% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.26% on average over the next years.
EPS Next Y7.37%
EPS Next 2Y11.67%
EPS Next 3Y11.81%
EPS Next 5Y11.71%
Revenue Next Year2.84%
Revenue Next 2Y3.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.33, the valuation of MET can be described as reasonable.
MET's Price/Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 63.45% of the companies in the same industry.
MET's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.76.
A Price/Forward Earnings ratio of 8.15 indicates a reasonable valuation of MET.
MET's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 71.03% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.21. MET is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 8.15 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MET is valued a bit cheaper than 64.14% 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 78.62% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.61 | ||
| EV/EBITDA | 6.96 |
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)1.4
PEG (5Y)1.75
EPS Next 2Y11.67%
EPS Next 3Y11.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.63%, MET is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, MET pays a better dividend. On top of this MET pays more dividend than 87.59% of the companies listed in the same industry.
MET's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.63% |
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
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 2Y11.67%
EPS Next 3Y11.81%
NYSE:MET (10/8/2025, 11:48:55 AM)
82.78
+0.03 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner Change0%
Ins Owners0.17%
Ins Owner Change-0.26%
Market Cap55.05B
Analysts80
Price Target95.33 (15.16%)
Short Float %1.49%
Short Ratio2.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.63% |
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP41.87%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)0.23%
PT rev (3m)-1.53%
EPS NQ rev (1m)0.82%
EPS NQ rev (3m)-2.51%
EPS NY rev (1m)0.22%
EPS NY rev (3m)-5.2%
Revenue NQ rev (1m)0.71%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 8.15 | ||
| P/S | 0.75 | ||
| P/FCF | 3.61 | ||
| P/OCF | 3.61 | ||
| P/B | 1.99 | ||
| P/tB | 2.97 | ||
| EV/EBITDA | 6.96 |
EPS(TTM)8.01
EY9.68%
EPS(NY)10.15
Fwd EY12.26%
FCF(TTM)22.9
FCFY27.66%
OCF(TTM)22.9
OCFY27.66%
SpS109.89
BVpS41.63
TBVpS27.88
PEG (NY)1.4
PEG (5Y)1.75
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.65%
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 Y7.37%
EPS Next 2Y11.67%
EPS Next 3Y11.81%
EPS Next 5Y11.71%
Revenue 1Y (TTM)6.26%
Revenue growth 3Y-0.02%
Revenue growth 5Y0.37%
Sales Q2Q%-4.08%
Revenue Next Year2.84%
Revenue Next 2Y3.34%
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%