METLIFE INC (MET) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MET - US59156R1086 - Common Stock
78.65 USD
+1.57 (+2.04%)
78.65 USD
0 (0%)
MET gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. Both the profitability and financial health of MET have multiple concerns. MET has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- MET had positive earnings in the past year.
- In the past year MET had a positive cash flow from operations.
- MET had positive earnings in each of the past 5 years.
- Each year in the past 5 years MET had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of MET (0.50%) is worse than 70.55% of its industry peers.
- MET has a Return On Equity of 12.56%. This is comparable to the rest of the industry: MET outperforms 56.85% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.64%, MET is doing worse than 66.44% of the companies in the same industry.
- MET had an Average Return On Invested Capital over the past 3 years of 0.52%. This is significantly below the industry average of 15.11%.
- The 3 year average ROIC (0.52%) for MET is below the current ROIC(0.64%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 12.56% | ||
| ROIC | 0.64% |
ROA(3y)0.39%
ROA(5y)0.53%
ROE(3y)9.29%
ROE(5y)8.85%
ROIC(3y)0.52%
ROIC(5y)0.65%
1.3 Margins
- With a Profit Margin value of 5.05%, MET is not doing good in the industry: 64.38% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of MET has declined.
- The Operating Margin of MET (8.34%) is worse than 65.75% of its industry peers.
- MET's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.34% | ||
| PM (TTM) | 5.05% | ||
| GM | N/A |
OM growth 3Y-9.41%
OM growth 5Y-3.49%
PM growth 3Y-12.69%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MET is destroying value.
- MET has less shares outstanding than it did 1 year ago.
- MET has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for MET is higher compared to a year ago.
2.2 Solvency
- MET has a debt to FCF ratio of 1.36. This is a very positive value and a sign of high solvency as it would only need 1.36 years to pay back of all of its debts.
- MET has a Debt to FCF ratio of 1.36. This is in the better half of the industry: MET outperforms 61.64% of its industry peers.
- A Debt/Equity ratio of 0.69 indicates that MET is somewhat dependend on debt financing.
- MET has a Debt to Equity ratio of 0.69. This is amonst the worse of the industry: MET underperforms 83.56% of its industry peers.
- Even though the debt/equity ratio score it not favorable for MET, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 1.36 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC7.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 5.51% over the past year.
- MET shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.91% yearly.
- MET shows a small growth in Revenue. In the last year, the Revenue has grown by 0.79%.
- The Revenue has been growing slightly by 0.37% on average over the past years.
EPS 1Y (TTM)5.51%
EPS 3Y-3.75%
EPS 5Y5.91%
EPS Q2Q%21.54%
Revenue 1Y (TTM)0.79%
Revenue growth 3Y-0.02%
Revenue growth 5Y0.37%
Sales Q2Q%1.63%
3.2 Future
- Based on estimates for the next years, MET will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.82% on average per year.
- Based on estimates for the next years, MET will show a small growth in Revenue. The Revenue will grow by 4.27% on average per year.
EPS Next Y7.98%
EPS Next 2Y11.45%
EPS Next 3Y11.81%
EPS Next 5Y11.82%
Revenue Next Year13.63%
Revenue Next 2Y3.67%
Revenue Next 3Y3.64%
Revenue Next 5Y4.27%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.33, which indicates a very decent valuation of MET.
- 66.44% of the companies in the same industry are more expensive than MET, based on the Price/Earnings ratio.
- MET is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 7.78, the valuation of MET can be described as very cheap.
- Based on the Price/Forward Earnings ratio, MET is valued a bit cheaper than the industry average as 72.60% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of MET to the average of the S&P500 Index (24.04), we can say MET is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 7.78 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, MET is valued a bit cheaper than the industry average as 64.38% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, MET is valued a bit cheaper than the industry average as 78.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.54 | ||
| EV/EBITDA | 7.22 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.17
PEG (5Y)1.58
EPS Next 2Y11.45%
EPS Next 3Y11.81%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.85%, MET has a reasonable but not impressive dividend return.
- MET's Dividend Yield is a higher than the industry average which is at 2.42.
- Compared to an average S&P500 Dividend Yield of 1.92, MET pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
5.2 History
- The dividend of MET has a limited annual growth rate of 4.59%.
- MET has been paying a dividend for at least 10 years, so it has a reliable track record.
- MET has decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.59%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- 46.97% of the earnings are spent on dividend by MET. This is a bit on the high side, but may be sustainable.
- The dividend of MET is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.97%
EPS Next 2Y11.45%
EPS Next 3Y11.81%
78.65
+1.57 (+2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners76.48%
Inst Owner Change0.08%
Ins Owners0.18%
Ins Owner Change0.56%
Market Cap51.82B
Revenue(TTM)71.96B
Net Income(TTM)3.63B
Analysts80
Price Target96.36 (22.52%)
Short Float %1.5%
Short Ratio2.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP46.97%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.86%
Min EPS beat(2)-6.87%
Max EPS beat(2)1.16%
EPS beat(4)1
Avg EPS beat(4)-2.58%
Min EPS beat(4)-6.87%
Max EPS beat(4)1.16%
EPS beat(8)3
Avg EPS beat(8)-1.62%
EPS beat(12)4
Avg EPS beat(12)-2.92%
EPS beat(16)8
Avg EPS beat(16)4.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.03%
Min Revenue beat(2)-5.79%
Max Revenue beat(2)-4.27%
Revenue beat(4)2
Avg Revenue beat(4)-1.81%
Min Revenue beat(4)-5.79%
Max Revenue beat(4)2.63%
Revenue beat(8)3
Avg Revenue beat(8)-2.34%
Revenue beat(12)5
Avg Revenue beat(12)-1.97%
Revenue beat(16)6
Avg Revenue beat(16)-1.99%
PT rev (1m)0.8%
PT rev (3m)1.08%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)-0.98%
EPS NY rev (1m)0.09%
EPS NY rev (3m)0.57%
Revenue NQ rev (1m)13.73%
Revenue NQ rev (3m)51.91%
Revenue NY rev (1m)2.07%
Revenue NY rev (3m)10.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 7.78 | ||
| P/S | 0.72 | ||
| P/FCF | 3.54 | ||
| P/OCF | 3.54 | ||
| P/B | 1.79 | ||
| P/tB | 2.61 | ||
| EV/EBITDA | 7.22 |
EPS(TTM)8.43
EY10.72%
EPS(NY)10.11
Fwd EY12.85%
FCF(TTM)22.2
FCFY28.23%
OCF(TTM)22.2
OCFY28.23%
SpS109.21
BVpS43.93
TBVpS30.12
PEG (NY)1.17
PEG (5Y)1.58
Graham Number91.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 12.56% | ||
| ROCE | 0.83% | ||
| ROIC | 0.64% | ||
| ROICexc | 0.66% | ||
| ROICexgc | 0.97% | ||
| OM | 8.34% | ||
| PM (TTM) | 5.05% | ||
| GM | N/A | ||
| FCFM | 20.33% |
ROA(3y)0.39%
ROA(5y)0.53%
ROE(3y)9.29%
ROE(5y)8.85%
ROIC(3y)0.52%
ROIC(5y)0.65%
ROICexc(3y)0.53%
ROICexc(5y)0.66%
ROICexgc(3y)0.78%
ROICexgc(5y)0.97%
ROCE(3y)0.68%
ROCE(5y)0.84%
ROICexgc growth 3Y-6.12%
ROICexgc growth 5Y-2.06%
ROICexc growth 3Y-5.87%
ROICexc growth 5Y-1.33%
OM growth 3Y-9.41%
OM growth 5Y-3.49%
PM growth 3Y-12.69%
PM growth 5Y-6.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 1.36 | ||
| Debt/EBITDA | 2.95 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.77 | ||
| Cash Conversion | 217.79% | ||
| Profit Quality | 402.5% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.6%
ROIC/WACC0.08
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)633.54%
Profit Quality(5y)464.62%
High Growth Momentum
Growth
EPS 1Y (TTM)5.51%
EPS 3Y-3.75%
EPS 5Y5.91%
EPS Q2Q%21.54%
EPS Next Y7.98%
EPS Next 2Y11.45%
EPS Next 3Y11.81%
EPS Next 5Y11.82%
Revenue 1Y (TTM)0.79%
Revenue growth 3Y-0.02%
Revenue growth 5Y0.37%
Sales Q2Q%1.63%
Revenue Next Year13.63%
Revenue Next 2Y3.67%
Revenue Next 3Y3.64%
Revenue Next 5Y4.27%
EBIT growth 1Y-4.29%
EBIT growth 3Y-9.43%
EBIT growth 5Y-3.13%
EBIT Next Year17.1%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y34.94%
FCF growth 3Y5.04%
FCF growth 5Y1.15%
OCF growth 1Y34.94%
OCF growth 3Y5.04%
OCF growth 5Y1.15%
METLIFE INC / MET FAQ
What is the fundamental rating for MET stock?
ChartMill assigns a fundamental rating of 4 / 10 to MET.
What is the valuation status for MET stock?
ChartMill assigns a valuation rating of 6 / 10 to METLIFE INC (MET). This can be considered as Fairly Valued.
What is the profitability of MET stock?
METLIFE INC (MET) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for MET stock?
The Price/Earnings (PE) ratio for METLIFE INC (MET) is 9.33 and the Price/Book (PB) ratio is 1.79.
What is the financial health of METLIFE INC (MET) stock?
The financial health rating of METLIFE INC (MET) is 3 / 10.