(MET) MetLife - Ratings and Ratios
Insurance, Annuities, Employee Benefits, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.96% |
| Yield on Cost 5y | 5.71% |
| Yield CAGR 5y | 4.50% |
| Payout Consistency | 34.0% |
| Payout Ratio | 26.8% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.2% |
| Value at Risk 5%th | 38.7% |
| Relative Tail Risk | 1.65% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.38 |
| Alpha | -25.74 |
| CAGR/Max DD | 0.09 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.378 |
| Beta | 1.082 |
| Beta Downside | 1.350 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.05% |
| Mean DD | 10.12% |
| Median DD | 7.82% |
Description: MET MetLife September 26, 2025
MetLife, Inc. (NYSE: MET) is a global financial-services firm that markets life insurance, annuities, employee-benefit solutions, and asset-management products across six operating segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings.
The company’s product suite spans traditional life and disability policies, dental, vision, pet and legal-services plans, as well as group short- and long-term disability, paid family leave, and accident-and-health coverage. It also delivers pension-risk transfers, institutional income annuities, structured settlements, and a range of capital-markets investment vehicles, including synthetic guaranteed-interest contracts and private floating-rate funding agreements.
According to MetLife’s 2023 annual report, the firm generated $71.2 billion in total revenue, with a net income of $4.6 billion and a return on equity (ROE) of roughly 12.5 %. Its combined ratio in the Group Benefits segment hovered near 94 %, indicating underwriting profitability, while the life-insurance segment posted a 5-year average embedded value growth rate of 6 %-both metrics that are above the industry median.
Key drivers for MetLife’s outlook include the prolonged low-interest-rate environment, which compresses investment yields on fixed-income assets, and demographic aging in mature markets that boosts demand for retirement-income and longevity products. Additionally, regulatory shifts-such as the U.S. “Solvency II-like” capital standards-are expected to influence capital allocation and product pricing across the life-and-health insurance sector.
For a deeper, data-driven comparison of MetLife’s valuation and risk profile, the ValueRay platform provides a transparent dashboard of the most relevant metrics.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (3.84b TTM) > 0 and > 6% of Revenue (6% = 4.25b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 458.1% (prev 445.1%; Δ 12.98pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 15.14b > Net Income 3.84b (YES >=105%, WARN >=100%) |
| Net Debt (-401.0m) to EBITDA (5.98b) ratio: -0.07 <= 3.0 (WARN <= 3.5) |
| Current Ratio 432.0 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (669.1m) change vs 12m ago -4.92% (target <= -2.0% for YES) |
| Gross Margin 24.11% (prev 24.75%; Δ -0.63pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.93% (prev 10.03%; Δ -0.10pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.55 (EBITDA TTM 5.98b / Interest Expense TTM 1.06b) >= 6 (WARN >= 3) |
Altman Z'' 3.21
| (A) 0.45 = (Total Current Assets 324.88b - Total Current Liabilities 752.0m) / Total Assets 719.73b |
| (B) 0.06 = Retained Earnings (Balance) 43.89b / Total Assets 719.73b |
| (C) 0.00 = EBIT TTM 1.64b / Avg Total Assets 712.35b |
| (D) 0.04 = Book Value of Equity 26.33b / Total Liabilities 690.53b |
| Total Rating: 3.21 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 49.12
| 1. Piotroski 2.0pt |
| 2. FCF Yield -33.65% |
| 3. FCF Margin 21.40% |
| 4. Debt/Equity 0.69 |
| 5. Debt/Ebitda -0.07 |
| 6. ROIC - WACC (= -4.86)% |
| 7. RoE 13.77% |
| 8. Rev. Trend 0.48% |
| 9. EPS Trend 37.91% |
What is the price of MET shares?
Over the past week, the price has changed by +3.26%, over one month by -2.52%, over three months by -5.21% and over the past year by -10.99%.
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 | 92.5 | 21.1% |
| Analysts Target Price | 92.5 | 21.1% |
| ValueRay Target Price | 76 | -0.4% |
MET Fundamental Data Overview November 25, 2025
P/E Trailing = 14.1375
P/E Forward = 7.4794
P/S = 0.694
P/B = 1.7089
P/EG = 0.603
Beta = 0.752
Revenue TTM = 70.76b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 5.98b USD
Long Term Debt = 19.45b USD (from longTermDebt, last quarter)
Short Term Debt = 378.0m USD (from shortTermDebt, last quarter)
Debt = 19.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -401.0m USD (from netDebt column, last quarter)
Enterprise Value = -45.01b USD (49.92b + Debt 19.83b - CCE 114.77b)
Interest Coverage Ratio = 1.55 (Ebit TTM 1.64b / Interest Expense TTM 1.06b)
FCF Yield = -33.65% (FCF TTM 15.14b / Enterprise Value -45.01b)
FCF Margin = 21.40% (FCF TTM 15.14b / Revenue TTM 70.76b)
Net Margin = 5.43% (Net Income TTM 3.84b / Revenue TTM 70.76b)
Gross Margin = 24.11% ((Revenue TTM 70.76b - Cost of Revenue TTM 53.70b) / Revenue TTM)
Gross Margin QoQ = 17.40% (prev 26.43%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -45.01b / Total Assets 719.73b)
Interest Expense / Debt = 1.37% (Interest Expense 271.0m / Debt 19.83b)
Taxrate = 25.45% (308.0m / 1.21b)
NOPAT = 1.22b (EBIT 1.64b * (1 - 25.45%))
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, last quarter 28.94b)
Debt / EBITDA = -0.07 (Net Debt -401.0m / EBITDA 5.98b)
Debt / FCF = -0.03 (Net Debt -401.0m / FCF TTM 15.14b)
Total Stockholder Equity = 27.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 3.84b / Total Assets 719.73b)
RoE = 13.77% (Net Income TTM 3.84b / Total Stockholder Equity 27.89b)
RoCE = 3.46% (EBIT 1.64b / Capital Employed (Equity 27.89b + L.T.Debt 19.45b))
RoIC = 2.58% (NOPAT 1.22b / Invested Capital 47.31b)
WACC = 7.45% (E(49.92b)/V(69.76b) * Re(10.0%) + D(19.83b)/V(69.76b) * Rd(1.37%) * (1-Tc(0.25)))
Discount Rate = 10.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.26%
[DCF Debug] Terminal Value 72.15% ; FCFE base≈15.37b ; Y1≈15.98b ; Y5≈18.34b
Fair Price DCF = 352.5 (DCF Value 232.24b / Shares Outstanding 658.9m; 5y FCF grow 4.20% → 3.0% )
EPS Correlation: 37.91 | EPS CAGR: 2.38% | SUE: 0.74 | # QB: 0
Revenue Correlation: 0.48 | Revenue CAGR: -4.53% | SUE: -1.54 | # QB: 0
Additional Sources for MET Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle