(MET) MetLife - Overview
Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 53.206m USD | Total Return: 8.3% in 12m
Avg Turnover: 245M
EPS Trend: 94.1%
Qual. Beats: 2
Rev. Trend: 82.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema20
MetLife, Inc. is a global financial services provider headquartered in New York, specializing in insurance, annuities, employee benefits, and asset management. The company operates through six distinct segments, offering a diverse product suite that includes life, dental, disability, and pet insurance alongside institutional income annuities and pension risk transfers. Its business model relies heavily on geographic diversification across Asia, Latin America, and the EMEA region to mitigate regional economic volatility.
As a major player in the Life & Health Insurance sub-industry, MetLife generates revenue through policy premiums and the management of a vast investment portfolio used to fund future claims. The sector is characterized by its sensitivity to interest rate fluctuations, which directly impact the yields on the fixed-income securities typically held by insurers. For a deeper look at the companys valuation metrics, consider reviewing the latest data on ValueRay.
In addition to retail insurance, MetLife provides capital markets investment products and specialized funding agreements for corporate and institutional clients. The firm was incorporated in 1999, though its operational history traces back significantly further, positioning it as a cornerstone institution within the global credit and protection markets.
- Interest rate fluctuations impact spread margins and investment portfolio yields
- Group Benefits segment performance hinges on employment levels and wage growth
- Pension risk transfer market expansion drives institutional retirement revenue growth
- Variable investment income volatility affects quarterly earnings and capital returns
- Emerging market expansion in Asia and Latin America fuels long-term growth
| Net Income: 3.62b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: -264.0% < 20% (prev -151.5%; Δ -112.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 16.5b > Net Income 3.62b |
| Net Debt (-27.3b) to EBITDA (5.57b): -4.91 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (655.7m) vs 12m ago -4.56% < -2% |
| Gross Margin: 28.40% > 18% (prev 0.27%; Δ 2.81k% > 0.5%) |
| Asset Turnover: 10.75% > 50% (prev 10.53%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 4.51 > 6 (EBITDA TTM 5.57b / Interest Expense TTM 1.07b) |
| A: -0.27 (Total Current Assets 73.0b - Total Current Liabilities 276b) / Total Assets 743b |
| B: 0.06 (Retained Earnings 45.1b / Total Assets 743b) |
| C: 0.01 (EBIT TTM 4.81b / Avg Total Assets 716b) |
| D: 0.04 (Book Value of Equity 25.8b / Total Liabilities 715b) |
| Altman-Z'' = -1.51 = D |
| DSRI: 1.32 (Receivables 50.3b/35.8b, Revenue 76.9b/72.5b) |
| GMI: 0.94 (GM 28.40% / 26.79%) |
| AQI: 1.16 (AQ_t 0.90 / AQ_t-1 0.77) |
| SGI: 1.06 (Revenue 76.9b / 72.5b) |
| TATA: -0.02 (NI 3.62b - CFO 16.5b) / TA 743b) |
| Beneish M = -2.69 (Cap -4..+1) = A |
As of June 01, 2026, the stock is trading at USD 82.69 with a total of 2,083,061 shares traded.
Over the past week, the price has changed by -1.91%,
over one month by +4.02%,
over three months by +13.77% and
over the past year by +8.25%.
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 | 92 | 11.3% |
P/E Trailing = 15.9942
P/E Forward = 9.1659
P/S = 0.69
P/B = 1.9592
P/EG = 0.4408
Revenue TTM = 76.9b USD
EBIT TTM = 4.81b USD
EBITDA TTM = 5.57b USD
Long Term Debt = 19.6b USD (from longTermDebt, last quarter)
Short Term Debt = 404.0m USD (from shortTermDebt, last quarter)
Debt = 20.3b USD (from shortLongTermDebtTotal, last quarter) + Leases 6.00m
Net Debt = -27.3b USD (calculated: Debt 20.3b - CCE 47.6b)
Enterprise Value = 25.9b USD (53.2b + Debt 20.3b - CCE 47.6b)
Interest Coverage Ratio = 4.51 (Ebit TTM 4.81b / Interest Expense TTM 1.07b)
EV/FCF = 7.15x (Enterprise Value 25.9b / FCF TTM 3.62b)
FCF Yield = 13.98% (FCF TTM 3.62b / Enterprise Value 25.9b)
FCF Margin = 4.70% (FCF TTM 3.62b / Revenue TTM 76.9b)
Net Margin = 4.70% (Net Income TTM 3.62b / Revenue TTM 76.9b)
Gross Margin = 28.40% ((Revenue TTM 76.9b - Cost of Revenue TTM 55.1b) / Revenue TTM)
Gross Margin QoQ = 37.24% (prev 30.53%)
Tobins Q-Ratio = 0.03 (Enterprise Value 25.9b / Total Assets 743b)
Interest Expense / Debt = 5.26% (Interest Expense 1.07b / Debt 20.3b)
Taxrate = 22.89% (345.0m / 1.51b)
NOPAT = 3.71b (EBIT 4.81b * (1 - 22.89%))
Current Ratio = 0.25 (Total Current Assets 73.0b / Total Current Liabilities 293b)
Debt / Equity = 0.74 (Debt 20.3b / totalStockholderEquity, last quarter 27.3b)
Debt / EBITDA = -4.91 (Net Debt -27.3b / EBITDA 5.57b)
Debt / FCF = -7.55 (Net Debt -27.3b / FCF TTM 3.62b)
Total Stockholder Equity = 28.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.51% (Net Income 3.62b / Total Assets 743b)
RoE = 12.88% (Net Income TTM 3.62b / Total Stockholder Equity 28.1b)
RoCE = 10.10% (EBIT 4.81b / Capital Employed (Equity 28.1b + L.T.Debt 19.6b))
RoIC = 0.50% (NOPAT 3.71b / Invested Capital 743b)
WACC = 7.54% (E(53.2b)/V(73.5b) * Re(8.87%) + D(20.3b)/V(73.5b) * Rd(5.26%) * (1-Tc(0.23)))
Discount Rate = 8.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -5.54%
[DCF] Terminal Value 73.10% ; FCFF base≈4.28b ; Y1≈3.75b ; Y5≈3.03b
[DCF] Fair Price = 118.1 (EV 48.7b - Net Debt -27.3b = Equity 76.0b / Shares 643.4m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 94.15 | EPS CAGR: 11.94% | SUE: 1.11 | # QB: 2
Revenue Correlation: 82.47 | Revenue CAGR: 4.85% | SUE: -0.13 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.39 | Chg30d=-2.13% | Revisions=-8% | Analysts=13
EPS next Quarter (2026-09-30): EPS=2.53 | Chg30d=+0.34% | Revisions=+38% | Analysts=13
EPS current Year (2026-12-31): EPS=9.87 | Chg30d=+0.81% | Revisions=+43% | GrowthEPS=+11.8% | GrowthRev=+0.5%
EPS next Year (2027-12-31): EPS=10.99 | Chg30d=+0.47% | Revisions=+38% | GrowthEPS=+11.4% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +43%