(MET) MetLife - Overview
Stock: Insurance, Annuities, Benefits, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.88% |
| Yield on Cost 5y | 6.81% |
| Yield CAGR 5y | 4.43% |
| Payout Consistency | 40.0% |
| Payout Ratio | 27.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 21.8% |
| Relative Tail Risk | 0.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.25 |
| Alpha | -23.89 |
| Character TTM | |
|---|---|
| Beta | 1.103 |
| Beta Downside | 1.314 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.64% |
| CAGR/Max DD | 0.24 |
Description: MET MetLife January 29, 2026
MetLife, Inc. (NYSE: MET) is a global financial-services firm that markets life, health, disability, dental, pet and other personal-insurance products, as well as employee-benefit solutions, annuities, pension-risk transfers and asset-management services across six operating segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings.
In its most recent 2024 annual filing, MetLife reported total consolidated revenue of **$71.5 billion**, a **3.2 %** year-over-year increase driven primarily by higher premium growth in the Group Benefits and Retirement segments. Net income for 2024 was **$5.5 billion**, yielding a return on equity (ROE) of **12.4 %**, which remains above the industry median of roughly 9 % (source: S&P Global Market Intelligence, 2024).
Key performance indicators from the Q3 2025 earnings release show a **combined ratio of 95.2 %** for the Group Benefits business-indicating underwriting profitability-and an **investment income margin of 5.8 %**, reflecting the benefit of a higher interest-rate environment. However, the company disclosed a **$0.4 billion increase in policy-holder lapse rates** in the United States, a risk factor that could pressure future premium growth if rates remain elevated.
Sector-wide, life-and-health insurers are currently navigating two macro drivers: (1) **rising interest rates**, which boost investment yields but can increase policyholder surrender incentives, and (2) **demographic aging**, which raises demand for retirement-income and longevity products. MetLife’s diversified product mix-especially its growing annuity and pension-risk transfer portfolio-positions it to capture upside from the aging-population trend while mitigating underwriting volatility.
For a deeper quantitative view of MET’s valuation relative to peers, you might explore the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 3.84b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.12 > 1.0 |
| NWC/Revenue: 458.1% < 20% (prev 445.1%; Δ 12.98% < -1%) |
| CFO/TA 0.02 > 3% & CFO 15.14b > Net Income 3.84b |
| Net Debt (-401.0m) to EBITDA (5.98b): -0.07 < 3 |
| Current Ratio: 432.0 > 1.5 & < 3 |
| Outstanding Shares: last quarter (669.1m) vs 12m ago -4.92% < -2% |
| Gross Margin: 24.11% > 18% (prev 0.25%; Δ 2387 % > 0.5%) |
| Asset Turnover: 9.93% > 50% (prev 10.03%; Δ -0.10% > 0%) |
| Interest Coverage Ratio: 1.55 > 6 (EBITDA TTM 5.98b / Interest Expense TTM 1.06b) |
Altman Z'' 3.21
| A: 0.45 (Total Current Assets 324.88b - Total Current Liabilities 752.0m) / Total Assets 719.73b |
| B: 0.06 (Retained Earnings 43.89b / Total Assets 719.73b) |
| C: 0.00 (EBIT TTM 1.64b / Avg Total Assets 712.35b) |
| D: 0.04 (Book Value of Equity 26.33b / Total Liabilities 690.53b) |
| Altman-Z'' Score: 3.21 = A |
Beneish M -2.77
| DSRI: 1.30 (Receivables 41.41b/31.75b, Revenue 70.76b/70.72b) |
| GMI: 1.03 (GM 24.11% / 24.75%) |
| AQI: 1.00 (AQ_t 0.55 / AQ_t-1 0.55) |
| SGI: 1.00 (Revenue 70.76b / 70.72b) |
| TATA: -0.02 (NI 3.84b - CFO 15.14b) / TA 719.73b) |
| Beneish M-Score: -2.77 (Cap -4..+1) = A |
What is the price of MET shares?
Over the past week, the price has changed by +4.05%, over one month by -1.13%, over three months by +0.37% and over the past year by -6.69%.
Is MET a buy, sell or hold?
- StrongBuy: 7
- Buy: 5
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the MET price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 92 | 16.6% |
| Analysts Target Price | 92 | 16.6% |
| ValueRay Target Price | 85.8 | 8.7% |
MET Fundamental Data Overview January 26, 2026
P/E Forward = 7.5529
P/S = 0.7009
P/B = 1.7258
P/EG = 0.6089
Revenue TTM = 70.76b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 5.98b USD
Long Term Debt = 19.45b USD (from longTermDebt, last quarter)
Short Term Debt = 378.0m USD (from shortTermDebt, last quarter)
Debt = 19.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -401.0m USD (from netDebt column, last quarter)
Enterprise Value = 50.01b USD (50.42b + Debt 19.83b - CCE 20.23b)
Interest Coverage Ratio = 1.55 (Ebit TTM 1.64b / Interest Expense TTM 1.06b)
EV/FCF = 3.30x (Enterprise Value 50.01b / FCF TTM 15.14b)
FCF Yield = 30.28% (FCF TTM 15.14b / Enterprise Value 50.01b)
FCF Margin = 21.40% (FCF TTM 15.14b / Revenue TTM 70.76b)
Net Margin = 5.43% (Net Income TTM 3.84b / Revenue TTM 70.76b)
Gross Margin = 24.11% ((Revenue TTM 70.76b - Cost of Revenue TTM 53.70b) / Revenue TTM)
Gross Margin QoQ = 17.40% (prev 26.43%)
Tobins Q-Ratio = 0.07 (Enterprise Value 50.01b / Total Assets 719.73b)
Interest Expense / Debt = 1.37% (Interest Expense 271.0m / Debt 19.83b)
Taxrate = 25.45% (308.0m / 1.21b)
NOPAT = 1.22b (EBIT 1.64b * (1 - 25.45%))
Current Ratio = 432.0 (out of range, set to none) (Total Current Assets 324.88b / Total Current Liabilities 752.0m)
Debt / Equity = 0.69 (Debt 19.83b / totalStockholderEquity, last quarter 28.94b)
Debt / EBITDA = -0.07 (Net Debt -401.0m / EBITDA 5.98b)
Debt / FCF = -0.03 (Net Debt -401.0m / FCF TTM 15.14b)
Total Stockholder Equity = 27.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 3.84b / Total Assets 719.73b)
RoE = 13.77% (Net Income TTM 3.84b / Total Stockholder Equity 27.89b)
RoCE = 3.46% (EBIT 1.64b / Capital Employed (Equity 27.89b + L.T.Debt 19.45b))
RoIC = 2.58% (NOPAT 1.22b / Invested Capital 47.31b)
WACC = 7.45% (E(50.42b)/V(70.25b) * Re(9.98%) + D(19.83b)/V(70.25b) * Rd(1.37%) * (1-Tc(0.25)))
Discount Rate = 9.98% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.26%
[DCF Debug] Terminal Value 80.68% ; FCFF base≈15.37b ; Y1≈15.98b ; Y5≈18.30b
Fair Price DCF = 544.0 (EV 358.03b - Net Debt -401.0m = Equity 358.43b / Shares 658.9m; r=7.45% [WACC]; 5y FCF grow 4.20% → 2.90% )
EPS Correlation: -20.98 | EPS CAGR: -48.06% | SUE: -4.0 | # QB: 0
Revenue Correlation: 0.87 | Revenue CAGR: -4.53% | SUE: -1.54 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.21 | Chg30d=-0.028 | Revisions Net=-6 | Analysts=14
EPS next Year (2026-12-31): EPS=9.86 | Chg30d=-0.145 | Revisions Net=-11 | Growth EPS=+13.5% | Growth Revenue=-8.9%