METLIFE INC (MET) Fundamental Analysis & Valuation

NYSE:MET • US59156R1086

Current stock price

67.7 USD
-2.04 (-2.93%)
At close:
67.7 USD
0 (0%)
After Hours:

This MET fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MET Profitability Analysis

1.1 Basic Checks

  • MET had positive earnings in the past year.
  • In the past year MET had a positive cash flow from operations.
  • In the past 5 years MET has always been profitable.
  • MET had a positive operating cash flow in each 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 15B

1.2 Ratios

  • MET has a Return On Assets of 0.43%. This is in the lower half of the industry: MET underperforms 74.32% of its industry peers.
  • With a Return On Equity value of 11.17%, MET perfoms like the industry average, outperforming 55.41% of the companies in the same industry.
  • MET has a Return On Invested Capital of 0.57%. This is in the lower half of the industry: MET underperforms 66.89% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for MET is significantly below the industry average of 9.34%.
  • The last Return On Invested Capital (0.57%) for MET is above the 3 year average (0.56%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.43%
ROE 11.17%
ROIC 0.57%
ROA(3y)0.42%
ROA(5y)0.49%
ROE(3y)10.39%
ROE(5y)9.69%
ROIC(3y)0.56%
ROIC(5y)0.61%
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 4.12% is on the low side compared to the rest of the industry. MET is outperformed by 72.30% of its industry peers.
  • MET's Profit Margin has declined in the last couple of years.
  • MET's Operating Margin of 7.25% is on the low side compared to the rest of the industry. MET is outperformed by 72.30% of its industry peers.
  • MET's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.25%
PM (TTM) 4.12%
GM N/A
OM growth 3Y10.43%
OM growth 5Y-8.74%
PM growth 3Y6.96%
PM growth 5Y-11.64%
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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4

2. MET Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MET is destroying value.
  • MET has less shares outstanding than it did 1 year ago.
  • MET has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MET has been reduced compared to a year ago.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of MET is 1.11, which is an excellent value as it means it would take MET, only 1.11 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.11, MET is in the better half of the industry, outperforming 64.19% of the companies in the same industry.
  • A Debt/Equity ratio of 0.67 indicates that MET is somewhat dependend on debt financing.
  • MET's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. MET is outperformed by 83.11% of its industry peers.
  • Although MET's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 0.67
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACC0.07
WACC7.6%
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 2025 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 2025 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. MET Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.71% over the past year.
  • MET shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.67% yearly.
  • The Revenue has grown by 8.30% in the past year. This is quite good.
  • Measured over the past years, MET shows a small growth in Revenue. The Revenue has been growing by 2.56% on average per year.
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y3.28%
Revenue growth 5Y2.56%
Sales Q2Q%22.56%

3.2 Future

  • MET is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.80% yearly.
  • Based on estimates for the next years, MET will show a small growth in Revenue. The Revenue will grow by 2.95% on average per year.
EPS Next Y10.71%
EPS Next 2Y11.29%
EPS Next 3Y11.22%
EPS Next 5Y9.8%
Revenue Next Year-3.56%
Revenue Next 2Y0.37%
Revenue Next 3Y1.53%
Revenue Next 5Y2.95%

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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8

4. MET Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.58, which indicates a rather cheap valuation of MET.
  • MET's Price/Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 70.95% of the companies in the same industry.
  • MET is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 6.85 indicates a rather cheap valuation of MET.
  • MET's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 73.65% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MET to the average of the S&P500 Index (22.19), we can say MET is valued rather cheaply.
Industry RankSector Rank
PE 7.58
Fwd PE 6.85
MET Price Earnings VS Forward Price EarningsMET Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MET is valued a bit cheaper than the industry average as 64.19% of the companies are valued more expensively.
  • MET's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MET is cheaper than 83.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.58
EV/EBITDA 6.64
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.
PEG (NY)0.71
PEG (5Y)0.99
EPS Next 2Y11.29%
EPS Next 3Y11.22%

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

6

5. MET Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.31%, MET has a reasonable but not impressive dividend return.
  • MET's Dividend Yield is a higher than the industry average which is at 2.84.
  • Compared to an average S&P500 Dividend Yield of 1.90, MET pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.31%

5.2 History

  • The dividend of MET has a limited annual growth rate of 4.26%.
  • 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)4.26%
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 53.67% 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.
DP53.67%
EPS Next 2Y11.29%
EPS Next 3Y11.22%
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 15B
MET Dividend Payout.MET Dividend Payout, showing the Payout Ratio.MET Dividend Payout.PayoutRetained Earnings

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MET Fundamentals: All Metrics, Ratios and Statistics

METLIFE INC

NYSE:MET (3/27/2026, 8:04:00 PM)

After market: 67.7 0 (0%)

67.7

-2.04 (-2.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners76.86%
Inst Owner Change-0.7%
Ins Owners0.22%
Ins Owner Change5.64%
Market Cap44.14B
Revenue(TTM)76.94B
Net Income(TTM)3.17B
Analysts79.05
Price Target94.94 (40.24%)
Short Float %2.05%
Short Ratio2.76
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend2.53
Dividend Growth(5Y)4.26%
DP53.67%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.11%
Min EPS beat(2)1.16%
Max EPS beat(2)9.06%
EPS beat(4)2
Avg EPS beat(4)0.12%
Min EPS beat(4)-6.87%
Max EPS beat(4)9.06%
EPS beat(8)3
Avg EPS beat(8)-0.63%
EPS beat(12)5
Avg EPS beat(12)-1.6%
EPS beat(16)8
Avg EPS beat(16)2.34%
Revenue beat(2)0
Avg Revenue beat(2)-9.7%
Min Revenue beat(2)-13.61%
Max Revenue beat(2)-5.79%
Revenue beat(4)1
Avg Revenue beat(4)-5.26%
Min Revenue beat(4)-13.61%
Max Revenue beat(4)2.63%
Revenue beat(8)2
Avg Revenue beat(8)-4.09%
Revenue beat(12)5
Avg Revenue beat(12)-2.2%
Revenue beat(16)6
Avg Revenue beat(16)-2.72%
PT rev (1m)-0.15%
PT rev (3m)-0.68%
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)-1.93%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)-2.12%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)1.11%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)1.74%
Valuation
Industry RankSector Rank
PE 7.58
Fwd PE 6.85
P/S 0.57
P/FCF 2.58
P/OCF 2.58
P/B 1.55
P/tB 2.35
EV/EBITDA 6.64
EPS(TTM)8.93
EY13.19%
EPS(NY)9.89
Fwd EY14.6%
FCF(TTM)26.21
FCFY38.72%
OCF(TTM)26.21
OCFY38.72%
SpS118
BVpS43.55
TBVpS28.81
PEG (NY)0.71
PEG (5Y)0.99
Graham Number93.55
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 11.17%
ROCE 0.75%
ROIC 0.57%
ROICexc 0.59%
ROICexgc 0.88%
OM 7.25%
PM (TTM) 4.12%
GM N/A
FCFM 22.21%
ROA(3y)0.42%
ROA(5y)0.49%
ROE(3y)10.39%
ROE(5y)9.69%
ROIC(3y)0.56%
ROIC(5y)0.61%
ROICexc(3y)0.58%
ROICexc(5y)0.62%
ROICexgc(3y)0.84%
ROICexgc(5y)0.91%
ROCE(3y)0.74%
ROCE(5y)0.8%
ROICexgc growth 3Y10.16%
ROICexgc growth 5Y-5.2%
ROICexc growth 3Y9.71%
ROICexc growth 5Y-5.17%
OM growth 3Y10.43%
OM growth 5Y-8.74%
PM growth 3Y6.96%
PM growth 5Y-11.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 1.11
Debt/EBITDA 3
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.36
Cash Conversion 269.85%
Profit Quality 538.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.6%
ROIC/WACC0.07
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)626.13%
Profit Quality(5y)527.51%
High Growth Momentum
Growth
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
EPS Next Y10.71%
EPS Next 2Y11.29%
EPS Next 3Y11.22%
EPS Next 5Y9.8%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y3.28%
Revenue growth 5Y2.56%
Sales Q2Q%22.56%
Revenue Next Year-3.56%
Revenue Next 2Y0.37%
Revenue Next 3Y1.53%
Revenue Next 5Y2.95%
EBIT growth 1Y-16.96%
EBIT growth 3Y14.04%
EBIT growth 5Y-6.4%
EBIT Next Year-4.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.08%
FCF growth 3Y8.98%
FCF growth 5Y7.99%
OCF growth 1Y17.08%
OCF growth 3Y8.98%
OCF growth 5Y7.99%

METLIFE INC / MET Fundamental Analysis FAQ

What is the fundamental rating for MET stock?

ChartMill assigns a fundamental rating of 5 / 10 to MET.


What is the valuation status for MET stock?

ChartMill assigns a valuation rating of 8 / 10 to METLIFE INC (MET). This can be considered as Undervalued.


What is the profitability of MET stock?

METLIFE INC (MET) has a profitability rating of 3 / 10.


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

The Price/Earnings (PE) ratio for METLIFE INC (MET) is 7.58 and the Price/Book (PB) ratio is 1.55.


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

The financial health rating of METLIFE INC (MET) is 4 / 10.