(MET) MetLife - Overview
Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 50.175m USD | Total Return: 1.6% in 12m
Life Insurance, Annuities, Employee Benefits, Asset Management
Total Rating 31
Safety 51
Buy Signal 0.18
Insurance - Life
Industry Rotation: +8.1
Industry Rotation: +8.1
Market Cap:
50.2B
Avg Turnover: 238M
Avg Turnover: 238M
Risk 3d forecast
Volatility21.4%
VaR 5th Pctl3.88%
VaR vs Median10.1%
Reward TTM
Sharpe Ratio0.02
Rel. Str. IBD43
Rel. Str. Peer Group22.5
Character TTM
Beta0.829
Beta Downside0.978
Hurst Exponent0.475
Drawdowns 3y
Max DD21.97%
CAGR/Max DD0.88
CAGR/Mean DD3.29
EPS (Earnings per Share)
EPS CAGR: 5.21%
EPS Trend: 67.6%
EPS Trend: 67.6%
Last SUE: 1.46
Qual. Beats: 2
Qual. Beats: 2
Revenue
Rev. CAGR: 5.59%
Rev. Trend: 38.1%
Rev. Trend: 38.1%
Last SUE: -0.13
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy
Tailwinds
Garp
Description: MET MetLife
MetLife, Inc. is a global financial services provider headquartered in New York, specializing in insurance, annuities, employee benefits, and asset management. The company operates through six distinct segments, offering a diverse product suite that includes life, dental, disability, and pet insurance alongside institutional income annuities and pension risk transfers. Its business model relies heavily on geographic diversification across Asia, Latin America, and the EMEA region to mitigate regional economic volatility.
As a major player in the Life & Health Insurance sub-industry, MetLife generates revenue through policy premiums and the management of a vast investment portfolio used to fund future claims. The sector is characterized by its sensitivity to interest rate fluctuations, which directly impact the yields on the fixed-income securities typically held by insurers. For a deeper look at the companys valuation metrics, consider reviewing the latest data on ValueRay.
In addition to retail insurance, MetLife provides capital markets investment products and specialized funding agreements for corporate and institutional clients. The firm was incorporated in 1999, though its operational history traces back significantly further, positioning it as a cornerstone institution within the global credit and protection markets.
- Interest rate fluctuations impact spread margins and investment portfolio yields
- Group Benefits segment performance hinges on employment levels and wage growth
- Pension risk transfer market expansion drives institutional retirement revenue growth
- Variable investment income volatility affects quarterly earnings and capital returns
- Emerging market expansion in Asia and Latin America fuels long-term growth
Piotroski VR‑10 (Strict)
3.5
| Net Income: 3.62b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.25 > 1.0 |
| NWC/Revenue: 93.79% < 20% (prev -151.5%; Δ 245.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 16.53b > Net Income 3.62b |
| Net Debt (-318.51b) to EBITDA (5.88b): -54.15 < 3 |
| Current Ratio: 85.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (655.7m) vs 12m ago -4.56% < -2% |
| Gross Margin: 28.40% > 18% (prev 0.27%; Δ 2.81k% > 0.5%) |
| Asset Turnover: 10.75% > 50% (prev 10.53%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 4.51 > 6 (EBITDA TTM 5.88b / Interest Expense TTM 1.07b) |
Altman Z''
0.92
| A: 0.10 (Total Current Assets 73.02b - Total Current Liabilities 859.0m) / Total Assets 743.21b |
| B: 0.06 (Retained Earnings 45.06b / Total Assets 743.21b) |
| C: 0.01 (EBIT TTM 4.81b / Avg Total Assets 715.76b) |
| D: 0.04 (Book Value of Equity 25.84b / Total Liabilities 715.41b) |
| Altman-Z'' Score: 0.92 = BB |
Beneish M
-2.69
| DSRI: 1.32 (Receivables 50.34b/35.83b, Revenue 76.94b/72.49b) |
| GMI: 0.94 (GM 28.40% / 26.79%) |
| AQI: 1.16 (AQ_t 0.90 / AQ_t-1 0.77) |
| SGI: 1.06 (Revenue 76.94b / 72.49b) |
| TATA: -0.02 (NI 3.62b - CFO 16.53b) / TA 743.21b) |
| Beneish M-Score: -2.69 (Cap -4..+1) = A |
What is the price of MET shares?
As of May 18, 2026, the stock is trading at USD 79.78 with a total of 3,070,944 shares traded.
Over the past week, the price has changed by +2.96%, over one month by +2.96%, over three months by +2.30% and over the past year by +1.61%.
Over the past week, the price has changed by +2.96%, over one month by +2.96%, over three months by +2.30% and over the past year by +1.61%.
Is MET a buy, sell or hold?
MetLife has received a consensus analysts rating of 4.19.
Therefore, it is recommended to buy MET.
- StrongBuy: 7
- Buy: 5
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the MET price?
| Analysts Target Price | 90.3 | 13.1% |
MetLife (MET) - Fundamental Data Overview
as of 14 May 2026
P/E Trailing = 15.0832 P/E Forward = 8.6059
P/S = 0.6467
P/B = 1.8387
P/EG = 0.4136
Revenue TTM = 76.94b USD
EBIT TTM = 4.81b USD
EBITDA TTM = 5.88b USD
Long Term Debt = 18.62b USD (from longTermDebt, last fiscal year)
Short Term Debt = 404.0m USD (from shortTermDebt, last quarter)
Debt = 20.29b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -318.51b USD (recalculated: Debt 20.29b - CCE 338.80b)
Enterprise Value = 50.18b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 4.51 (Ebit TTM 4.81b / Interest Expense TTM 1.07b)
EV/FCF = 3.04x (Enterprise Value 50.18b / FCF TTM 16.53b)
FCF Yield = 32.94% (FCF TTM 16.53b / Enterprise Value 50.18b)
FCF Margin = 21.48% (FCF TTM 16.53b / Revenue TTM 76.94b)
Net Margin = 4.70% (Net Income TTM 3.62b / Revenue TTM 76.94b)
Gross Margin = 28.40% ((Revenue TTM 76.94b - Cost of Revenue TTM 55.09b) / Revenue TTM)
Gross Margin QoQ = 37.24% (prev 30.53%)
Tobins Q-Ratio = 0.07 (Enterprise Value 50.18b / Total Assets 743.21b)
Interest Expense / Debt = 1.31% (Interest Expense 265.0m / Debt 20.29b)
Taxrate = 22.89% (345.0m / 1.51b)
NOPAT = 3.71b (EBIT 4.81b * (1 - 22.89%))
Current Ratio = 85.01 (Total Current Assets 73.02b / Total Current Liabilities 859.0m)
Debt / Equity = 0.74 (Debt 20.29b / totalStockholderEquity, last quarter 27.32b)
Debt / EBITDA = -54.15 (Net Debt -318.51b / EBITDA 5.88b)
Debt / FCF = -19.27 (Net Debt -318.51b / FCF TTM 16.53b)
Total Stockholder Equity = 28.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.51% (Net Income 3.62b / Total Assets 743.21b)
RoE = 12.88% (Net Income TTM 3.62b / Total Stockholder Equity 28.09b)
RoCE = 10.31% (EBIT 4.81b / Capital Employed (Equity 28.09b + L.T.Debt 18.62b))
RoIC = 7.68% (NOPAT 3.71b / Invested Capital 48.31b)
WACC = 6.63% (E(50.18b)/V(70.47b) * Re(8.90%) + D(20.29b)/V(70.47b) * Rd(1.31%) * (1-Tc(0.23)))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -5.54%
[DCF] Terminal Value 84.54% ; FCFF base≈16.74b ; Y1≈17.94b ; Y5≈21.86b
[DCF] Fair Price = 1.32k (EV 532.72b - Net Debt -318.51b = Equity 851.23b / Shares 643.4m; r=6.63% [WACC]; 5y FCF grow 8.03% → 3.0% )
EPS Correlation: 67.57 | EPS CAGR: 5.21% | SUE: 1.46 | # QB: 2
Revenue Correlation: 38.14 | Revenue CAGR: 5.59% | SUE: -0.13 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.44 | Chg30d=-1.85% | Revisions=-8% | Analysts=12
EPS next Quarter (2026-09-30): EPS=2.53 | Chg30d=+0.14% | Revisions=+33% | Analysts=12
EPS current Year (2026-12-31): EPS=9.89 | Chg30d=+1.18% | Revisions=+16% | GrowthEPS=+12.0% | GrowthRev=+0.4%
EPS next Year (2027-12-31): EPS=10.98 | Chg30d=+0.36% | Revisions=+23% | GrowthEPS=+11.0% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +33%