MET Stock Analysis: MetLife | NYSE
Insurance - Life | NYSE, USA | Market Cap: 61.565m USD | 12M Return: 21.4% | US59156R1086 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 294M
EPS Trend: 96.3%
Qual. Beats: 3
Rev. Trend: 95.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
MetLife, Inc. (NYSE: MET) is a global financial services company headquartered in New York, New York, incorporated in 1999 and publicly listed since its IPO on April 5, 2000. With a market capitalization of approximately $60.9 billion, it is classified as a large-cap stock within the GICS Financials sector, specifically in the Life & Health Insurance sub-industry.
The company operates through six reportable segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa (EMEA); and MetLife Holdings. Its broad product portfolio spans insurance (life, dental, disability, accident and health, vision, pet, and credit insurance), annuities (fixed, indexed-linked, and variable), employee benefits, and asset management services offered to both individual and institutional clients worldwide.
MetLife also provides specialized institutional offerings such as pension risk transfers, structured settlements, longevity reinsurance solutions, and capital markets investment products. Its diversified revenue base spans both retail and institutional markets across the Americas, Europe, and Asia, reflecting the scale typical of top-tier global life insurers that distribute products through employer-sponsored group plans, bancassurance partnerships, and direct sales channels.
- Higher rates lift investment income across annuity and insurance liabilities
- Asia premiums accelerate on Japan and emerging market demand
- Pension risk transfer deals drive Retirement segment fee growth
| Net Income: 3.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.23 > 1.0 |
| NWC/Revenue: 493.7% < 20% (prev -157.8%; Δ 651.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 16.6b > Net Income 3.63b |
| Net Debt (-26.3b) to EBITDA (6.09b): -4.32 < 3 |
| Current Ratio: 453.0 > 1.5 & < 3 |
| Outstanding Shares: last quarter (655.7m) vs 12m ago -2.86% < -2% |
| Gross Margin: 25.55% > 18% (prev 27.12%; Δ -1.56% > 0.5%) |
| Asset Turnover: 10.84% > 50% (prev 10.27%; Δ 0.57% > 0%) |
| Interest Coverage Ratio: 4.89 > 6 (EBIT TTM 5.34b / Interest Expense TTM 1.09b) |
| A: 0.52 (Total Current Assets 389b - Total Current Liabilities 859.0m) / Total Assets 748b |
| B: 0.06 (Retained Earnings 45.1b / Total Assets 748b) |
| C: 0.01 (EBIT TTM 5.34b / Avg Total Assets 725b) |
| D: 0.04 (Book Value of Equity 27.3b / Total Liabilities 720b) |
| Altman-Z'' = 3.69 = AA |
| DSRI: 1.27 (Receivables 50.3b/36.2b, Revenue 78.6b/72.2b) |
| GMI: 1.06 (GM 27.12% / 25.55%) |
| AQI: 0.62 (AQ_t 0.48 / AQ_t-1 0.77) |
| SGI: 1.09 (Revenue 78.6b / 72.2b) |
| TATA: -0.02 (NI 3.63b - CFO 16.6b) / TA 748b) |
| Beneish M = -2.91 (Cap -4..+1) = A |
As of October 07, 2026, the stock is trading at USD 97.16 with a total of 4,300,183 shares traded. Over the past week, the price has changed by +2.06%, over one month by +1.74%, over three months by +8.07% and over the past year by +21.35%.
Current recommended Stop Loss: 93.00 (which is 4.3% or 2.2 ATR below the current price).
MetLife has received a consensus analysts rating of 4.11. Therefore, it is recommended to buy MET.
- StrongBuy: 8
- Buy: 5
- Hold: 4
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 106.2 | 9.3% |
P/E Trailing = 18.5594
P/E Forward = 10.5374
P/S = 0.7754
P/B = 2.2213
P/EG = 0.5068
Revenue TTM = 78.6b USD
EBIT TTM = 5.34b USD
EBITDA TTM = 6.09b USD
Long Term Debt = 20.9b USD (from longTermDebt, last quarter)
Short Term Debt = 404.0m USD (from shortTermDebt, last quarter)
Debt = 21.3b USD (corrected: LT Debt 20.9b + ST Debt 404.0m) + Leases 6.00m
Net Debt = -26.3b USD (calculated: Debt 21.3b - CCE 47.6b)
Enterprise Value = 35.2b USD (61.6b + Debt 21.3b - CCE 47.6b)
Interest Coverage Ratio = 4.89 (Ebit TTM 5.34b / Interest Expense TTM 1.09b)
EV/FCF = 9.72x (Enterprise Value 35.2b / FCF TTM 3.63b)
FCF Yield = 10.29% (FCF TTM 3.63b / Enterprise Value 35.2b)
FCF Margin = 4.61% (FCF TTM 3.63b / Revenue TTM 78.6b)
Net Margin = 4.61% (Net Income TTM 3.63b / Revenue TTM 78.6b)
Gross Margin = 25.55% ((Revenue TTM 78.6b - Cost of Revenue TTM 58.5b) / Revenue TTM)
Gross Margin QoQ = 14.76% (prev 37.24%)
Tobins Q-Ratio = 0.05 (Enterprise Value 35.2b / Total Assets 748b)
Interest Expense / Debt = 5.12% (Interest Expense 1.09b / Debt 21.3b)
Taxrate = 24.85% (1.21b / 4.87b)
NOPAT = 4.01b (EBIT 5.34b * (1 - 24.85%))
Current Ratio = 21.81 (Total Current Assets 389b / Total Current Liabilities 17.8b)
Debt / Equity = 0.78 (Debt 21.3b / totalStockholderEquity, last quarter 27.3b)
Debt / EBITDA = -4.32 (Net Debt -26.3b / EBITDA 6.09b)
Debt / FCF = -7.26 (Net Debt -26.3b / FCF TTM 3.63b)
Total Stockholder Equity = 28.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.50% (Net Income 3.63b / Total Assets 748b)
RoE = 12.95% (Net Income TTM 3.63b / Total Stockholder Equity 28.0b)
RoCE = 10.92% (EBIT 5.34b / Capital Employed (Equity 28.0b + L.T.Debt 20.9b))
RoIC = 0.54% (NOPAT 4.01b / Invested Capital 744b)
WACC = 6.81% (E(61.6b)/V(82.9b) * Re(7.83%) + D(21.3b)/V(82.9b) * Rd(5.12%) * (1-Tc(0.25)))
Discount Rate = 7.83% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.63 | Cagr: -4.57%
[DCF] Terminal Value 73.10% ; FCFF base≈4.18b ; Y1≈3.67b ; Y5≈2.96b
[DCF] Fair Price = 116.3 (EV 47.6b - Net Debt -26.3b = Equity 73.9b / Shares 635.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 96.31 | EPS CAGR: 10.64% | SUE: 0.89 | # QB: 3
Revenue Correlation: 95.85 | Revenue CAGR: 6.67% | SUE: -0.25 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.68 | Chg30d=+5.25% | Revisions=+40% | Analysts=15
EPS current Year (2026-12-31): EPS=10.14 | Chg30d=+1.31% | Revisions=+70% | GrowthEPS=+14.8% | GrowthRev=+1.3%
EPS next Year (2027-12-31): EPS=11.12 | Chg30d=-0.09% | Revisions=+71% | GrowthEPS=+9.8% | GrowthRev=+4.7%
[Analyst] Revisions Ratio: +81% (up=22, down=1)