(MET) MetLife - Overview
Stock: Insurance, Annuities, Benefits, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.59% |
| Yield on Cost 5y | 4.88% |
| Yield CAGR 5y | 4.29% |
| Payout Consistency | 40.0% |
| Payout Ratio | 25.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.8% |
| Relative Tail Risk | 1.75% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.22 |
| Alpha | -24.39 |
| Character TTM | |
|---|---|
| Beta | 1.110 |
| Beta Downside | 1.331 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.64% |
| CAGR/Max DD | 0.18 |
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: 3.34b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: 425.7% < 20% (prev 185.6%; Δ 240.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 15.14b > Net Income 3.34b |
| Net Debt (19.83b) to EBITDA (5.72b): 3.47 < 3 |
| Current Ratio: 432.0 > 1.5 & < 3 |
| Outstanding Shares: last quarter (665.0m) vs 12m ago -4.72% < -2% |
| Gross Margin: 22.74% > 18% (prev 0.27%; Δ 2247 % > 0.5%) |
| Asset Turnover: 10.73% > 50% (prev 10.35%; Δ 0.38% > 0%) |
| Interest Coverage Ratio: 4.64 > 6 (EBITDA TTM 5.72b / Interest Expense TTM 1.06b) |
Altman Z'' 3.11
| A: 0.44 (Total Current Assets 324.88b - Total Current Liabilities 752.0m) / Total Assets 741.67b |
| B: 0.06 (Retained Earnings 43.89b / Total Assets 741.67b) |
| C: 0.01 (EBIT TTM 4.92b / Avg Total Assets 709.57b) |
| D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 690.53b) |
| Altman-Z'' Score: 3.11 = A |
What is the price of MET shares?
Over the past week, the price has changed by -2.48%, over one month by -5.24%, over three months by +1.26% and over the past year by -6.00%.
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 | 92.6 | 21.2% |
| Analysts Target Price | 92.6 | 21.2% |
| ValueRay Target Price | 81.5 | 6.7% |
MET Fundamental Data Overview February 07, 2026
P/E Forward = 7.77
P/S = 0.6899
P/B = 1.81
P/EG = 0.6266
Revenue TTM = 76.13b USD
EBIT TTM = 4.92b USD
EBITDA TTM = 5.72b USD
Long Term Debt = 19.45b USD (from longTermDebt, two quarters ago)
Short Term Debt = 378.0m USD (from shortTermDebt, two quarters ago)
Debt = 19.83b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 19.83b USD (using Total Debt 19.83b, CCE unavailable)
Enterprise Value = 69.46b USD (49.63b + Debt 19.83b - (null CCE))
Interest Coverage Ratio = 4.64 (Ebit TTM 4.92b / Interest Expense TTM 1.06b)
EV/FCF = 4.59x (Enterprise Value 69.46b / FCF TTM 15.14b)
FCF Yield = 21.80% (FCF TTM 15.14b / Enterprise Value 69.46b)
FCF Margin = 19.89% (FCF TTM 15.14b / Revenue TTM 76.13b)
Net Margin = 4.39% (Net Income TTM 3.34b / Revenue TTM 76.13b)
Gross Margin = 22.74% ((Revenue TTM 76.13b - Cost of Revenue TTM 58.82b) / Revenue TTM)
Gross Margin QoQ = 21.47% (prev 17.40%)
Tobins Q-Ratio = 0.09 (Enterprise Value 69.46b / Total Assets 741.67b)
Interest Expense / Debt = 1.33% (Interest Expense 263.0m / Debt 19.83b)
Taxrate = 30.16% (336.0m / 1.11b)
NOPAT = 3.44b (EBIT 4.92b * (1 - 30.16%))
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, two quarters ago 28.94b)
Debt / EBITDA = 3.47 (Net Debt 19.83b / EBITDA 5.72b)
Debt / FCF = 1.31 (Net Debt 19.83b / FCF TTM 15.14b)
Total Stockholder Equity = 27.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 3.34b / Total Assets 741.67b)
RoE = 11.98% (Net Income TTM 3.34b / Total Stockholder Equity 27.89b)
RoCE = 10.40% (EBIT 4.92b / Capital Employed (Equity 27.89b + L.T.Debt 19.45b))
RoIC = 7.21% (NOPAT 3.44b / Invested Capital 47.70b)
WACC = 7.42% (E(49.63b)/V(69.46b) * Re(10.01%) + D(19.83b)/V(69.46b) * Rd(1.33%) * (1-Tc(0.30)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.55%
[DCF Debug] Terminal Value 80.81% ; FCFF base≈15.37b ; Y1≈15.98b ; Y5≈18.30b
Fair Price DCF = 520.2 (EV 360.70b - Net Debt 19.83b = Equity 340.87b / Shares 655.3m; r=7.42% [WACC]; 5y FCF grow 4.20% → 2.90% )
EPS Correlation: 53.87 | EPS CAGR: 4.91% | SUE: 1.01 | # QB: 1
Revenue Correlation: 40.86 | Revenue CAGR: 11.64% | SUE: -4.0 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.21 | Chg30d=-0.004 | Revisions Net=-6 | Analysts=12
EPS current Year (2026-12-31): EPS=9.82 | Chg30d=-0.096 | Revisions Net=-7 | Growth EPS=+11.2% | Growth Revenue=-0.9%
EPS next Year (2027-12-31): EPS=11.04 | Chg30d=-0.062 | Revisions Net=-1 | Growth EPS=+12.4% | Growth Revenue=+4.0%