(MET) MetLife - Overview
Stock: Insurance, Annuities, Benefits, Asset Management
| Risk 5d forecast | |
|---|---|
| Volatility | 23.4% |
| Relative Tail Risk | 1.85% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.05 |
| Alpha | -16.93 |
| Character TTM | |
|---|---|
| Beta | 1.122 |
| Beta Downside | 1.355 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.97% |
| CAGR/Max DD | 0.21 |
EPS (Earnings per Share)
Revenue
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) 4.0
| Net Income: 3.38b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.88 > 1.0 |
| NWC/Revenue: 80.91% < 20% (prev 185.6%; Δ -104.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 10.02b > Net Income 3.38b |
| Net Debt (-2.70b) to EBITDA (5.72b): -0.47 < 3 |
| Current Ratio: 4.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (665.0m) vs 12m ago -4.72% < -2% |
| Gross Margin: 25.57% > 18% (prev 0.27%; Δ 2530 % > 0.5%) |
| Asset Turnover: 10.73% > 50% (prev 10.35%; Δ 0.38% > 0%) |
| Interest Coverage Ratio: 4.39 > 6 (EBITDA TTM 5.72b / Interest Expense TTM 1.06b) |
Altman Z'' 0.82
| A: 0.08 (Total Current Assets 79.07b - Total Current Liabilities 17.47b) / Total Assets 741.67b |
| B: 0.06 (Retained Earnings 44.29b / Total Assets 741.67b) |
| C: 0.01 (EBIT TTM 4.66b / Avg Total Assets 709.57b) |
| D: 0.04 (Book Value of Equity 26.22b / Total Liabilities 716.25b) |
| Altman-Z'' Score: 0.82 = B |
Beneish M
| DSRI: 1.47 (Receivables 49.06b/30.77b, Revenue 76.13b/70.13b) |
| GMI: 1.07 (GM 25.57% / 27.36%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.09 (Revenue 76.13b / 70.13b) |
| TATA: -0.01 (NI 3.38b - CFO 10.02b) / TA 741.67b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of MET shares?
Over the past week, the price has changed by +2.32%, over one month by +5.42%, over three months by +7.77% and over the past year by -1.56%.
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 | 91.7 | 16% |
| Analysts Target Price | 91.7 | 16% |
MET Fundamental Data Overview February 21, 2026
P/E Forward = 7.6982
P/S = 0.6676
P/B = 1.784
P/EG = 0.621
Revenue TTM = 76.13b USD
EBIT TTM = 4.66b USD
EBITDA TTM = 5.72b USD
Long Term Debt = 19.45b USD (from longTermDebt, two quarters ago)
Short Term Debt = 355.0m USD (from shortTermDebt, last quarter)
Debt = 19.33b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.70b USD (from netDebt column, last quarter)
Enterprise Value = 48.76b USD (51.46b + Debt 19.33b - CCE 22.03b)
Interest Coverage Ratio = 4.39 (Ebit TTM 4.66b / Interest Expense TTM 1.06b)
EV/FCF = 4.87x (Enterprise Value 48.76b / FCF TTM 10.02b)
FCF Yield = 20.54% (FCF TTM 10.02b / Enterprise Value 48.76b)
FCF Margin = 13.16% (FCF TTM 10.02b / Revenue TTM 76.13b)
Net Margin = 4.44% (Net Income TTM 3.38b / Revenue TTM 76.13b)
Gross Margin = 25.57% ((Revenue TTM 76.13b - Cost of Revenue TTM 56.67b) / Revenue TTM)
Gross Margin QoQ = 30.53% (prev 17.40%)
Tobins Q-Ratio = 0.07 (Enterprise Value 48.76b / Total Assets 741.67b)
Interest Expense / Debt = 1.36% (Interest Expense 263.0m / Debt 19.33b)
Taxrate = 26.95% (301.0m / 1.12b)
NOPAT = 3.40b (EBIT 4.66b * (1 - 26.95%))
Current Ratio = 4.53 (Total Current Assets 79.07b / Total Current Liabilities 17.47b)
Debt / Equity = 0.68 (Debt 19.33b / totalStockholderEquity, last quarter 28.40b)
Debt / EBITDA = -0.47 (Net Debt -2.70b / EBITDA 5.72b)
Debt / FCF = -0.27 (Net Debt -2.70b / FCF TTM 10.02b)
Total Stockholder Equity = 28.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.48% (Net Income 3.38b / Total Assets 741.67b)
RoE = 12.01% (Net Income TTM 3.38b / Total Stockholder Equity 28.13b)
RoCE = 9.80% (EBIT 4.66b / Capital Employed (Equity 28.13b + L.T.Debt 19.45b))
RoIC = 7.14% (NOPAT 3.40b / Invested Capital 47.70b)
WACC = 7.58% (E(51.46b)/V(70.79b) * Re(10.05%) + D(19.33b)/V(70.79b) * Rd(1.36%) * (1-Tc(0.27)))
Discount Rate = 10.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.55%
[DCF Debug] Terminal Value 80.21% ; FCFF base≈12.06b ; Y1≈12.54b ; Y5≈14.35b
Fair Price DCF = 421.0 (EV 273.18b - Net Debt -2.70b = Equity 275.89b / Shares 655.3m; r=7.58% [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=2.19 | Chg30d=-0.013 | Revisions Net=-2 | Analysts=13
EPS current Year (2026-12-31): EPS=9.81 | Chg30d=-0.062 | Revisions Net=-4 | Growth EPS=+11.1% | Growth Revenue=+0.2%
EPS next Year (2027-12-31): EPS=10.99 | Chg30d=-0.036 | Revisions Net=+1 | Growth EPS=+12.0% | Growth Revenue=+3.8%