MET Stock Analysis: MetLife | NYSE
Insurance - Life | NYSE, USA | Market Cap: 63.389m USD | 12M Return: 36.3% | US59156R1086 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 315M
EPS Trend: 95.7%
Qual. Beats: 4
Rev. Trend: 95.1%
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: 5.13b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.53 > 1.0 |
| NWC/Revenue: 295.8% < 20% (prev -150.4%; Δ 446.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 15.0b > Net Income 5.13b |
| Net Debt (-22.2b) to EBITDA (7.70b): -2.88 < 3 |
| Current Ratio: 2.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (639.9m) vs 12m ago -4.36% < -2% |
| Gross Margin: 29.23% > 18% (prev 24.11%; Δ 5.12% > 0.5%) |
| Asset Turnover: 11.24% > 50% (prev 9.83%; Δ 1.41% > 0%) |
| Interest Coverage Ratio: 6.25 > 6 (EBIT TTM 6.95b / Interest Expense TTM 1.11b) |
| A: 0.33 (Total Current Assets 432b - Total Current Liabilities 189b) / Total Assets 745b |
| B: 0.06 (Retained Earnings 47.4b / Total Assets 745b) |
| C: 0.01 (EBIT TTM 6.95b / Avg Total Assets 732b) |
| D: 0.03 (Book Value of Equity 22.2b / Total Liabilities 722b) |
| Altman-Z'' = 2.45 = A |
| DSRI: 1.06 (Receivables 55.6b/45.3b, Revenue 82.3b/70.8b) |
| GMI: 0.82 (GM 24.11% / 29.23%) |
| AQI: 0.54 (AQ_t 0.42 / AQ_t-1 0.77) |
| SGI: 1.16 (Revenue 82.3b / 70.8b) |
| TATA: -0.01 (NI 5.13b - CFO 15.0b) / TA 745b) |
| Beneish M = -3.29 (Cap -4..+1) = AA |
As of November 11, 2026, the stock is trading at USD 102.44 with a total of 2,982,218 shares traded. Over the past week, the price has changed by +1.76%, over one month by +2.87%, over three months by +6.20% and over the past year by +36.34%.
Current recommended Stop Loss: 96.30 (which is 6% or 2.3 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 | 107.6 | 5.1% |
P/E Trailing = 20.6095
P/E Forward = 11.3122
P/S = 0.7984
P/B = 2.3827
P/EG = 0.5436
Revenue TTM = 82.3b USD
EBIT TTM = 6.95b USD
EBITDA TTM = 7.70b USD
Long Term Debt = 18.6b USD (from longTermDebt, last fiscal year)
Short Term Debt = 289.0m USD (from shortTermDebt, last quarter)
Debt = 21.7b USD (from shortLongTermDebtTotal, last quarter) + Leases 6.00m
Net Debt = -22.2b USD (calculated: Debt 21.7b - CCE 43.9b)
Enterprise Value = 41.2b USD (63.4b + Debt 21.7b - CCE 43.9b)
Interest Coverage Ratio = 6.25 (Ebit TTM 6.95b / Interest Expense TTM 1.11b)
EV/FCF = 50.89x (Enterprise Value 41.2b / FCF TTM 809.0m)
FCF Yield = 1.97% (FCF TTM 809.0m / Enterprise Value 41.2b)
FCF Margin = 0.98% (FCF TTM 809.0m / Revenue TTM 82.3b)
Net Margin = 6.23% (Net Income TTM 5.13b / Revenue TTM 82.3b)
Gross Margin = 29.23% ((Revenue TTM 82.3b - Cost of Revenue TTM 58.2b) / Revenue TTM)
Gross Margin QoQ = 33.59% (prev 14.76%)
Tobins Q-Ratio = 0.06 (Enterprise Value 41.2b / Total Assets 745b)
Interest Expense / Debt = 5.12% (Interest Expense 1.11b / Debt 21.7b)
Taxrate = 22.38% (1.49b / 6.66b)
NOPAT = 5.39b (EBIT 6.95b * (1 - 22.38%))
Current Ratio = 2.10 (Total Current Assets 432b / Total Current Liabilities 206b)
Debt / Equity = 0.98 (Debt 21.7b / totalStockholderEquity, last quarter 22.2b)
Debt / EBITDA = -2.88 (Net Debt -22.2b / EBITDA 7.70b)
Debt / FCF = -27.47 (Net Debt -22.2b / FCF TTM 809.0m)
Total Stockholder Equity = 26.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.70% (Net Income 5.13b / Total Assets 745b)
RoE = 19.46% (Net Income TTM 5.13b / Total Stockholder Equity 26.3b)
RoCE = 15.45% (EBIT 6.95b / Capital Employed (Equity 26.3b + L.T.Debt 18.6b))
RoIC = 0.98% (NOPAT 5.39b / Invested Capital 552b)
WACC = 6.45% (E(63.4b)/V(85.1b) * Re(7.29%) + D(21.7b)/V(85.1b) * Rd(5.12%) * (1-Tc(0.22)))
Discount Rate = 7.29% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.01 | Cagr: -4.79%
[DCF] Terminal Value 73.10% ; FCFF base≈2.34b ; Y1≈2.05b ; Y5≈1.66b
[DCF] Fair Price = 76.81 (EV 26.6b - Net Debt -22.2b = Equity 48.8b / Shares 635.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 95.66 | EPS CAGR: 11.32% | SUE: 1.00 | # QB: 4
Revenue Correlation: 95.10 | Revenue CAGR: 7.08% | SUE: 0.20 | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.58 | Chg30d=+0.41% | Revisions=+57% | Analysts=11
EPS current Year (2026-12-31): EPS=10.22 | Chg30d=+2.15% | Revisions=+83% | GrowthEPS=+15.7% | GrowthRev=+0.6%
EPS next Year (2027-12-31): EPS=11.16 | Chg30d=+0.26% | Revisions=+55% | GrowthEPS=+9.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +83% (up=26, down=1)