(MET) MetLife - Ratings and Ratios
Insurance, Annuities, Employee Benefits, Asset Management
MET EPS (Earnings per Share)
MET Revenue
Description: MET MetLife
MetLife Inc (NYSE:MET) is a global financial services company offering a diverse range of insurance, annuities, employee benefits, and asset management services. The company operates through six distinct segments, catering to various markets and customer needs. Its product portfolio includes life insurance, disability insurance, accident and health insurance, vision and pet insurance, as well as prepaid legal plans and administrative services for employers.
Key aspects of MetLifes business include pension risk transfers, institutional income annuities, and structured settlements, alongside capital markets investment products. The company also provides funding agreements for postretirement benefits and nonqualified benefit programs for executives. Its annuity products range from fixed and indexed-linked to variable annuities, supplemented by pension products and regular savings solutions. Additionally, MetLife offers longevity and funded reinsurance solutions, credit insurance, and protection against long-term health care services, showcasing its comprehensive approach to financial services.
From a performance perspective, MetLifes market capitalization stands at approximately $52.7 billion, with a price-to-earnings ratio of 12.81 and a forward P/E of 8.55. The companys return on equity is 15.93%, indicating a relatively strong profitability. To further evaluate MetLifes financial health and potential for growth, one could examine additional KPIs such as the debt-to-equity ratio, net interest margin, and the combined ratio for its insurance operations. These metrics would provide insights into the companys leverage, profitability from its investments, and the efficiency of its insurance underwriting, respectively.
To assess the attractiveness of MetLife as an investment, one might consider its dividend yield, the growth rate of its book value per share, and its asset under management (AUM) growth. The dividend yield can indicate the return on investment for shareholders, while the growth in book value per share reflects the companys ability to generate earnings and retain them, potentially leading to long-term capital appreciation. AUM growth, on the other hand, signifies the companys success in managing and expanding its asset base, which can be a driver of fee income and overall profitability.
MET Stock Overview
| Market Cap in USD | 52,730m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2000-04-05 |
MET Stock Ratings
| Growth Rating | 29.9% |
| Fundamental | 52.0% |
| Dividend Rating | 48.9% |
| Return 12m vs S&P 500 | -7.45% |
| Analyst Rating | 4.19 of 5 |
MET Dividends
| Dividend Yield 12m | 2.77% |
| Yield on Cost 5y | 6.72% |
| Annual Growth 5y | 3.44% |
| Payout Consistency | 30.8% |
| Payout Ratio | 27.9% |
MET Growth Ratios
| Growth Correlation 3m | 30.9% |
| Growth Correlation 12m | -38.3% |
| Growth Correlation 5y | 85% |
| CAGR 5y | 10.97% |
| CAGR/Max DD 3y | 0.31 |
| CAGR/Mean DD 3y | 1.51 |
| Sharpe Ratio 12m | 1.30 |
| Alpha | -6.10 |
| Beta | 0.780 |
| Volatility | 23.27% |
| Current Volume | 2314.2k |
| Average Volume 20d | 2585.3k |
| Stop Loss | 78.3 (-3.1%) |
| Signal | 0.48 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (4.29b TTM) > 0 and > 6% of Revenue (6% = 4.32b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 443.9% (prev 410.7%; Δ 33.25pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 15.75b > Net Income 4.29b (YES >=105%, WARN >=100%) |
| Net Debt (-2.27b) to EBITDA (5.19b) ratio: -0.44 <= 3.0 (WARN <= 3.5) |
| Current Ratio 344.0 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (675.0m) change vs 12m ago -5.55% (target <= -2.0% for YES) |
| Gross Margin 27.02% (prev 21.53%; Δ 5.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.46% (prev 10.10%; Δ 0.36pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.73 (EBITDA TTM 5.19b / Interest Expense TTM 1.04b) >= 6 (WARN >= 3) |
Altman Z'' 3.26
| (A) 0.46 = (Total Current Assets 320.92b - Total Current Liabilities 933.0m) / Total Assets 702.47b |
| (B) 0.06 = Retained Earnings (Balance) 43.45b / Total Assets 702.47b |
| (C) 0.01 = EBIT TTM 3.89b / Avg Total Assets 689.11b |
| (D) 0.03 = Book Value of Equity 23.60b / Total Liabilities 674.54b |
| Total Rating: 3.26 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 52.00
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -39.32% = -5.0 |
| 3. FCF Margin 21.85% = 5.46 |
| 4. Debt/Equity 0.72 = 2.25 |
| 5. Debt/Ebitda 3.84 = -2.48 |
| 6. ROIC - WACC -0.28% = -0.35 |
| 7. RoE 15.11% = 1.26 |
| 8. Rev. Trend -0.24% = -0.01 |
| 9. Rev. CAGR -9.04% = -1.51 |
| 10. EPS Trend 54.88% = 1.37 |
| 11. EPS CAGR 32.36% = 2.50 |
What is the price of MET shares?
Over the past week, the price has changed by +1.65%, over one month by +5.56%, over three months by +3.10% and over the past year by +10.19%.
Is MetLife a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MET is around 80.64 USD . This means that MET is currently overvalued and has a potential downside of -0.22%.
Is MET a buy, sell or hold?
- Strong Buy: 7
- Buy: 5
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MET price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 91.9 | 13.7% |
| Analysts Target Price | 91.9 | 13.7% |
| ValueRay Target Price | 88.5 | 9.5% |
Last update: 2025-09-11 04:44
MET Fundamental Data Overview
CCE Cash And Equivalents = 112.69b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.4618
P/E Forward = 8.0257
P/S = 0.7222
P/B = 1.9046
P/EG = 0.8274
Beta = 0.856
Revenue TTM = 72.08b USD
EBIT TTM = 3.89b USD
EBITDA TTM = 5.19b USD
Long Term Debt = 19.53b USD (from longTermDebt, last quarter)
Short Term Debt = 379.0m USD (from shortTermDebt, last quarter)
Debt = 19.91b USD (Calculated: Short Term 379.0m + Long Term 19.53b)
Net Debt = -2.27b USD (from netDebt column, last quarter)
Enterprise Value = -40.05b USD (52.73b + Debt 19.91b - CCE 112.69b)
Interest Coverage Ratio = 3.73 (Ebit TTM 3.89b / Interest Expense TTM 1.04b)
FCF Yield = -39.32% (FCF TTM 15.75b / Enterprise Value -40.05b)
FCF Margin = 21.85% (FCF TTM 15.75b / Revenue TTM 72.08b)
Net Margin = 5.95% (Net Income TTM 4.29b / Revenue TTM 72.08b)
Gross Margin = 27.02% ((Revenue TTM 72.08b - Cost of Revenue TTM 52.60b) / Revenue TTM)
Tobins Q-Ratio = -1.70 (set to none) (Enterprise Value -40.05b / Book Value Of Equity 23.60b)
Interest Expense / Debt = 1.35% (Interest Expense 269.0m / Debt 19.91b)
Taxrate = 20.95% (1.18b / 5.62b)
NOPAT = 3.08b (EBIT 3.89b * (1 - 20.95%))
Current Ratio = 344.0 (Total Current Assets 320.92b / Total Current Liabilities 933.0m)
Debt / Equity = 0.72 (Debt 19.91b / last Quarter total Stockholder Equity 27.68b)
Debt / EBITDA = 3.84 (Net Debt -2.27b / EBITDA 5.19b)
Debt / FCF = 1.26 (Debt 19.91b / FCF TTM 15.75b)
Total Stockholder Equity = 28.38b (last 4 quarters mean)
RoA = 0.61% (Net Income 4.29b, Total Assets 702.47b )
RoE = 15.11% (Net Income TTM 4.29b / Total Stockholder Equity 28.38b)
RoCE = 8.12% (Ebit 3.89b / (Equity 28.38b + L.T.Debt 19.53b))
RoIC = 6.47% (NOPAT 3.08b / Invested Capital 47.55b)
WACC = 6.75% (E(52.73b)/V(72.64b) * Re(8.89%)) + (D(19.91b)/V(72.64b) * Rd(1.35%) * (1-Tc(0.21)))
Shares Correlation 3-Years: -100.00 | Cagr: -1.54%
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.34% ; FCFE base≈15.45b ; Y1≈16.56b ; Y5≈20.18b
Fair Price DCF = 454.1 (DCF Value 302.01b / Shares Outstanding 665.0m; 5y FCF grow 8.03% → 3.0% )
Revenue Correlation: -0.24 | Revenue CAGR: -9.04%
Rev Growth-of-Growth: 9.70
EPS Correlation: 54.88 | EPS CAGR: 32.36%
EPS Growth-of-Growth: -7.58
Additional Sources for MET Stock
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