MET Stock Analysis: MetLife | NYSE
Insurance - Life | NYSE, USA | Market Cap: 54.435m USD | 12M Return: 10.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 328M
EPS Trend: 94.0%
Qual. Beats: 2
Rev. Trend: 82.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality
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: 3.62b 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 26.79%; Δ 1.61% > 0.5%) |
| Asset Turnover: 10.75% > 50% (prev 10.53%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 4.51 > 6 (EBIT TTM 4.81b / 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 27.3b / 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 26.79% / 28.40%) |
| 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 = -2.67 (Cap -4..+1) = A |
As of June 30, 2026, the stock is trading at USD 85.95 with a total of 5,239,220 shares traded. Over the past week, the price has changed by +0.43%, over one month by +4.87%, over three months by +26.86% and over the past year by +10.08%.
Current recommended Stop Loss: 82.50 (which is 4% or 1.7 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 | 92 | 7% |
P/E Trailing = 16.3636
P/E Forward = 9.2937
P/S = 0.7016
P/B = 1.9922
P/EG = 0.447
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 = 27.1b USD (54.4b + Debt 20.3b - CCE 47.6b)
Interest Coverage Ratio = 4.51 (Ebit TTM 4.81b / Interest Expense TTM 1.07b)
EV/FCF = 7.49x (Enterprise Value 27.1b / FCF TTM 3.62b)
FCF Yield = 13.35% (FCF TTM 3.62b / Enterprise Value 27.1b)
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 = 0.04 (Enterprise Value 27.1b / Total Assets 743b)
Interest Expense / Debt = 5.26% (Interest Expense 1.07b / Debt 20.3b)
Taxrate = 24.91% (1.20b / 4.81b)
NOPAT = 3.61b (EBIT 4.81b * (1 - 24.91%))
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 = 0.49% (NOPAT 3.61b / Invested Capital 739b)
WACC = 7.27% (E(54.4b)/V(74.7b) * Re(8.51%) + D(20.3b)/V(74.7b) * Rd(5.26%) * (1-Tc(0.25)))
Discount Rate = 8.51% (= 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: 93.95 | EPS CAGR: 11.80% | SUE: 1.12 | # 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=-2.09% | Revisions=-8% | Analysts=14
EPS next Quarter (2026-09-30): EPS=2.54 | Chg30d=+0.32% | Revisions=+38% | Analysts=14
EPS current Year (2026-12-31): EPS=9.90 | Chg30d=+0.28% | Revisions=+43% | GrowthEPS=+12.1% | GrowthRev=+1.0%
EPS next Year (2027-12-31): EPS=11.00 | Chg30d=+0.18% | Revisions=+38% | GrowthEPS=+11.1% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +43%