METLIFE INC (MET) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MET - US59156R1086 - Common Stock
79.53 USD
-0.25 (-0.31%)
Taking everything into account, MET scores 4 out of 10 in our fundamental rating. MET was compared to 148 industry peers in the Insurance industry. MET may be in some trouble as it scores bad on both profitability and health. MET has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MET was profitable.
MET had a positive operating cash flow in the past year.
In the past 5 years MET has always been profitable.
In the past 5 years MET always reported a positive cash flow from operatings.
1.2 Ratios
MET has a worse Return On Assets (0.50%) than 71.62% of its industry peers.
The Return On Equity of MET (12.56%) is comparable to the rest of the industry.
MET has a Return On Invested Capital of 0.64%. This is in the lower half of the industry: MET underperforms 67.57% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MET is significantly below the industry average of 14.88%.
The last Return On Invested Capital (0.64%) for MET is above the 3 year average (0.52%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 5.05%, MET is doing worse than 65.54% of the companies in the same industry.
In the last couple of years the Profit Margin of MET has declined.
With a Operating Margin value of 8.34%, MET is not doing good in the industry: 66.89% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of MET has declined.
| 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
MET has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for MET has been reduced compared to 1 year ago.
The number of shares outstanding for MET has been reduced compared to 5 years ago.
Compared to 1 year ago, MET has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MET is 1.36, which is an excellent value as it means it would take MET, only 1.36 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MET (1.36) is better than 62.16% of its industry peers.
MET has a Debt/Equity ratio of 0.69. This is a neutral value indicating 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 84.46% of its industry peers.
Although MET does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 1.36 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC7.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MET shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.51%.
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
MET is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.82% yearly.
The Revenue is expected to grow by 4.27% on average over the next years.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.43, the valuation of MET can be described as reasonable.
Based on the Price/Earnings ratio, MET is valued a bit cheaper than the industry average as 68.24% of the companies are valued more expensively.
MET's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.77.
The Price/Forward Earnings ratio is 7.87, which indicates a rather cheap valuation of MET.
73.65% of the companies in the same industry are more expensive than MET, based on the Price/Forward Earnings ratio.
MET's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.43 | ||
| Fwd PE | 7.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MET is valued a bit cheaper than the industry average as 62.84% of the companies are valued more expensively.
MET's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MET is cheaper than 79.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.58 | ||
| EV/EBITDA | 7.48 |
4.3 Compensation for Growth
MET's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.18
PEG (5Y)1.6
EPS Next 2Y11.45%
EPS Next 3Y11.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.80%, 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 2.00, MET pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
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%
NYSE:MET (12/31/2025, 10:02:08 AM)
79.53
-0.25 (-0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners76.54%
Inst Owner Change5.36%
Ins Owners0.18%
Ins Owner Change0.39%
Market Cap52.40B
Revenue(TTM)71.96B
Net Income(TTM)3.63B
Analysts80
Price Target96.36 (21.16%)
Short Float %1.5%
Short Ratio2.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP46.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)0.57%
PT rev (3m)1.21%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0.06%
EPS NY rev (3m)0.57%
Revenue NQ rev (1m)13.73%
Revenue NQ rev (3m)52.71%
Revenue NY rev (1m)10.39%
Revenue NY rev (3m)10.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.43 | ||
| Fwd PE | 7.87 | ||
| P/S | 0.73 | ||
| P/FCF | 3.58 | ||
| P/OCF | 3.58 | ||
| P/B | 1.81 | ||
| P/tB | 2.64 | ||
| EV/EBITDA | 7.48 |
EPS(TTM)8.43
EY10.6%
EPS(NY)10.11
Fwd EY12.71%
FCF(TTM)22.2
FCFY27.91%
OCF(TTM)22.2
OCFY27.91%
SpS109.21
BVpS43.93
TBVpS30.12
PEG (NY)1.18
PEG (5Y)1.6
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
WACC7.57%
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 of METLIFE INC (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 expected EPS growth for MET stock?
The Earnings per Share (EPS) of METLIFE INC (MET) is expected to grow by 7.98% in the next year.
How sustainable is the dividend of METLIFE INC (MET) stock?
The dividend rating of METLIFE INC (MET) is 5 / 10 and the dividend payout ratio is 46.97%.