Overview Dividends

(MET) MetLife - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US59156R1086

Insurance, Annuities, Employee Benefits, Asset Management

MET EPS (Earnings per Share)

EPS Growth (3Y CAGR): 16.70%
EPS Trend (3Y Correlation): 76.4%

MET Revenue

Revenue Growth (3Y CAGR): 2.28%
Revenue Trend (3Y Correlation): 56.3%

Risk via 10d forecast
Volatility	23.9%
Value at Risk 5%th	39.7%

Reward
Sharpe Ratio	-0.02
Alpha Jensen	-11.25

Character
Hurst Exponent	0.371
Beta	0.752

Drawdowns 3y
Max DD	35.09%
Mean DD	10.01%

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.

MET Stock Overview

Market Cap in USD	50,312m
Sub-Industry	Life & Health Insurance
IPO / Inception	2000-04-05
Return 12m vs S&P 500	-12.5%
Analyst Rating	4.19 of 5

MET Dividends

Dividend Yield	2.84%
Yield on Cost 5y	5.73%
Yield CAGR 5y	4.50%
Payout Consistency	34.0%
Payout Ratio	26.8%

MET Growth Ratios

CAGR	5.27%
CAGR/Max DD Calmar Ratio	0.15
CAGR/Mean DD Pain Ratio	0.53
Current Volume	4523.8k
Average Volume	3487.7k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (3.84b TTM) > 0 and > 6% of Revenue (6% = 4.27b TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 455.0% (prev 445.1%; Δ 9.89pp) (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 (-3.00m) to EBITDA (5.98b) ratio: -0.00 <= 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 44.20% (prev 24.75%; Δ 19.45pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 10.00% (prev 10.03%; Δ -0.03pp) >=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

(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) 59.36

1. Piotroski 3.0pt = -2.0

2. FCF Yield -5.95% = -2.98

3. FCF Margin 21.26% = 5.31

4. Debt/Equity 0.70 = 2.26

5. Debt/Ebitda -0.00 = 2.50

6. ROIC - WACC (= -3.94)% = -4.93

7. RoE 13.77% = 1.15

8. Rev. Trend 56.27% = 4.22

9. EPS Trend 76.44% = 3.82

What is the price of MET shares?

As of November 14, 2025, the stock is trading at USD 79.47 with a total of 4,523,762 shares traded.
Over the past week, the price has changed by +4.61%, over one month by -0.96%, over three months by +3.47% and over the past year by -0.29%.

Is MetLife a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, MetLife is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 59.36 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MET is around 77.25 USD . This means that MET is currently overvalued and has a potential downside of -2.79%.

Is MET a buy, sell or hold?

MetLife has received a consensus analysts rating of 4.19. Therefore, it is recommended to buy MET.

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	92.8	16.8%
Analysts Target Price	92.8	16.8%
ValueRay Target Price	84.6	6.5%

MET Fundamental Data Overview November 10, 2025

Market Cap USD = 50.31b (50.31b USD * 1.0 USD.USD)
P/E Trailing = 14.128
P/E Forward = 8.2305
P/S = 0.6994
P/B = 1.9536
P/EG = 0.8487
Beta = 0.752
Revenue TTM = 71.24b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 5.98b USD
Long Term Debt = 18.24b USD (from longTermDebt, last fiscal year)
Short Term Debt = 378.0m USD (from shortTermDebt, last quarter)
Debt = 20.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.00m USD (from netDebt column, last quarter)
Enterprise Value = -254.34b USD (50.31b + Debt 20.23b - CCE 324.88b)
Interest Coverage Ratio = 1.55 (Ebit TTM 1.64b / Interest Expense TTM 1.06b)
FCF Yield = -5.95% (FCF TTM 15.14b / Enterprise Value -254.34b)
FCF Margin = 21.26% (FCF TTM 15.14b / Revenue TTM 71.24b)
Net Margin = 5.39% (Net Income TTM 3.84b / Revenue TTM 71.24b)
Gross Margin = 44.20% ((Revenue TTM 71.24b - Cost of Revenue TTM 39.75b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 26.43%)
Tobins Q-Ratio = -0.35 (set to none) (Enterprise Value -254.34b / Total Assets 719.73b)
Interest Expense / Debt = 1.34% (Interest Expense 271.0m / Debt 20.23b)
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 = 0.70 (Debt 20.23b / totalStockholderEquity, last quarter 28.94b)
Debt / EBITDA = -0.00 (Net Debt -3.00m / EBITDA 5.98b)
Debt / FCF = -0.00 (Net Debt -3.00m / 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 = 3.55% (EBIT 1.64b / Capital Employed (Equity 27.89b + L.T.Debt 18.24b))
RoIC = 2.61% (NOPAT 1.22b / Invested Capital 46.82b)
WACC = 6.56% (E(50.31b)/V(70.54b) * Re(8.79%) + D(20.23b)/V(70.54b) * Rd(1.34%) * (1-Tc(0.25)))
Discount Rate = 8.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.26%
[DCF Debug] Terminal Value 76.22% ; FCFE base≈15.37b ; Y1≈15.98b ; Y5≈18.34b
Fair Price DCF = 425.1 (DCF Value 280.88b / Shares Outstanding 660.7m; 5y FCF grow 4.20% → 3.0% )
EPS Correlation: 76.44 | EPS CAGR: 16.70% | SUE: 0.74 | # QB: 0
Revenue Correlation: 56.27 | Revenue CAGR: 2.28% | SUE: -1.13 | # QB: 0

Additional Sources for MET Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle