MET Stock Analysis: MetLife | NYSE
Insurance - Life | NYSE, USA | Market Cap: 61.940m USD | 12M Return: 27.9% | US59156R1086 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 367M
EPS Trend: 96.3%
Qual. Beats: 3
Rev. Trend: 95.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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. is a U.S.-based global financial services company operating in the Life & Health Insurance sub-industry. It provides insurance, annuities, employee benefits, and asset management services to customers worldwide through six reporting segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and EMEA; and MetLife Holdings. The company trades as a large-cap common stock on the NYSE under the ticker MET and completed its IPO in April 2000.
The companys product portfolio spans individual and group life insurance, dental, disability, accident and health, vision, and pet insurance, alongside prepaid legal plans and administrative services for employers. It also offers fixed, indexed-linked, and variable annuities; pension risk transfers; institutional income annuities; structured settlements; longevity and funded reinsurance solutions; credit insurance; and accident and health products covering hospitalization, critical illness, and long-term care.
MetLifes business model combines retail and institutional offerings, including funding agreements, capital markets investment products, and bank- or trust-owned life insurance used to finance nonqualified executive benefit programs. Incorporated in 1999 and headquartered in New York, New York, the company generates revenue through premium collections, fees on asset management and administrative services, and investment income on its insurance reserves.
- Asia premiums drive emerging market segment growth
- Higher interest rates boost net investment income and spreads
- Active share buybacks return excess capital to shareholders
| Net Income: 3.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.49 > 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 (5.62b): -4.68 < 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: 4.46 > 6 (EBIT TTM 4.87b / 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 4.87b / 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 August 18, 2026, the stock is trading at USD 96.68 with a total of 1,828,731 shares traded. Over the past week, the price has changed by -0.36%, over one month by +3.49%, over three months by +19.49% and over the past year by +27.91%.
Current recommended Stop Loss: 93.40 (which is 3.4% or 1.9 ATR below the current price).
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
| Analysts Target Price | 103.9 | 7.4% |
P/E Trailing = 18.5304
P/E Forward = 10.661
P/S = 0.7801
P/B = 2.247
P/EG = 0.5126
Revenue TTM = 78.6b USD
EBIT TTM = 4.87b USD
EBITDA TTM = 5.62b 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 = 35.6b USD (61.9b + Debt 21.3b - CCE 47.6b)
Interest Coverage Ratio = 4.46 (Ebit TTM 4.87b / Interest Expense TTM 1.09b)
EV/FCF = 20.89x (Enterprise Value 35.6b / FCF TTM 1.71b)
FCF Yield = 4.79% (FCF TTM 1.71b / Enterprise Value 35.6b)
FCF Margin = 2.17% (FCF TTM 1.71b / 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 35.6b / Total Assets 748b)
Interest Expense / Debt = 5.12% (Interest Expense 1.09b / Debt 21.3b)
Taxrate = 24.85% (1.21b / 4.87b)
NOPAT = 3.66b (EBIT 4.87b * (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 = -4.68 (Net Debt -26.3b / EBITDA 5.62b)
Debt / FCF = -15.44 (Net Debt -26.3b / FCF TTM 1.71b)
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 = 9.96% (EBIT 4.87b / Capital Employed (Equity 28.0b + L.T.Debt 20.9b))
RoIC = 0.49% (NOPAT 3.66b / Invested Capital 744b)
WACC = 6.79% (E(61.9b)/V(83.2b) * Re(7.80%) + D(21.3b)/V(83.2b) * Rd(5.12%) * (1-Tc(0.25)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.63 | Cagr: -4.57%
[DCF] Terminal Value 73.10% ; FCFF base≈3.03b ; Y1≈2.66b ; Y5≈2.15b
[DCF] Fair Price = 95.65 (EV 34.5b - Net Debt -26.3b = Equity 60.8b / 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=2.58 | Chg30d=+1.93% | Revisions=-25% | Analysts=9
EPS current Year (2026-12-31): EPS=9.80 | Chg30d=-1.18% | Revisions=-13% | GrowthEPS=+10.9% | GrowthRev=+1.6%
EPS next Year (2027-12-31): EPS=10.88 | Chg30d=-1.22% | Revisions=+8% | GrowthEPS=+11.1% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: -12% (up=13, down=17)