METLIFE INC (MET) Fundamental Analysis & Valuation

NYSE:MET • US59156R1086

Current stock price

68.56 USD
-0.05 (-0.07%)
At close:
68.56 USD
0 (0%)
After Hours:

This MET fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MET Profitability Analysis

1.1 Basic Checks

  • MET had positive earnings in the past year.
  • MET had a positive operating cash flow in the past year.
  • In the past 5 years MET has always been profitable.
  • Each year in the past 5 years MET had a positive operating cash flow.
MET Yearly Net Income VS EBIT VS OCF VS FCFMET Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

1.2 Ratios

  • With a Return On Assets value of 0.43%, MET is not doing good in the industry: 75.68% of the companies in the same industry are doing better.
  • The Return On Equity of MET (11.17%) is comparable to the rest of the industry.
  • MET has a worse Return On Invested Capital (0.57%) than 67.57% of its industry peers.
  • MET had an Average Return On Invested Capital over the past 3 years of 0.56%. This is significantly below the industry average of 15.41%.
  • The 3 year average ROIC (0.56%) for MET is below the current ROIC(0.57%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.43%
ROE 11.17%
ROIC 0.57%
ROA(3y)0.42%
ROA(5y)0.49%
ROE(3y)10.39%
ROE(5y)9.69%
ROIC(3y)0.56%
ROIC(5y)0.61%
MET Yearly ROA, ROE, ROICMET Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of MET (4.12%) is worse than 71.62% of its industry peers.
  • In the last couple of years the Profit Margin of MET has declined.
  • MET's Operating Margin of 7.25% is on the low side compared to the rest of the industry. MET is outperformed by 71.62% of its industry peers.
  • MET's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.25%
PM (TTM) 4.12%
GM N/A
OM growth 3Y10.43%
OM growth 5Y-8.74%
PM growth 3Y6.96%
PM growth 5Y-11.64%
GM growth 3YN/A
GM growth 5YN/A
MET Yearly Profit, Operating, Gross MarginsMET Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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4

2. MET Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MET is destroying value.
  • The number of shares outstanding for MET has been reduced compared to 1 year ago.
  • MET has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MET has an improved debt to assets ratio.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
MET Yearly Total Debt VS Total AssetsMET Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of MET is 1.11, which is an excellent value as it means it would take MET, only 1.11 years of fcf income to pay off all of its debts.
  • MET has a Debt to FCF ratio of 1.11. This is in the better half of the industry: MET outperforms 68.24% of its industry peers.
  • MET has a Debt/Equity ratio of 0.67. This is a neutral value indicating MET is somewhat dependend on debt financing.
  • MET has a Debt to Equity ratio of 0.67. This is amonst the worse of the industry: MET underperforms 81.76% of its industry peers.
  • Although MET's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.67
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACC0.08
WACC7.5%
MET Yearly LT Debt VS Equity VS FCFMET Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MET Yearly Current Assets VS Current LiabilitesMET Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. MET Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.71% over the past year.
  • Measured over the past 5 years, MET shows a small growth in Earnings Per Share. The EPS has been growing by 7.67% on average per year.
  • The Revenue has grown by 8.30% in the past year. This is quite good.
  • The Revenue has been growing slightly by 2.56% on average over the past years.
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y3.28%
Revenue growth 5Y2.56%
Sales Q2Q%22.56%

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 9.80% on average per year.
  • MET is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.95% yearly.
EPS Next Y10.71%
EPS Next 2Y11.29%
EPS Next 3Y11.22%
EPS Next 5Y9.8%
Revenue Next Year-3.37%
Revenue Next 2Y0.48%
Revenue Next 3Y1.6%
Revenue Next 5Y2.95%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
MET Yearly Revenue VS EstimatesMET Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B
MET Yearly EPS VS EstimatesMET Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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8

4. MET Valuation Analysis

4.1 Price/Earnings Ratio

  • MET is valuated cheaply with a Price/Earnings ratio of 7.68.
  • Based on the Price/Earnings ratio, MET is valued a bit cheaper than the industry average as 70.27% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 25.23. MET is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 6.93, which indicates a rather cheap valuation of MET.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MET indicates a somewhat cheap valuation: MET is cheaper than 72.97% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of MET to the average of the S&P500 Index (23.28), we can say MET is valued rather cheaply.
Industry RankSector Rank
PE 7.68
Fwd PE 6.93
MET Price Earnings VS Forward Price EarningsMET Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MET indicates a somewhat cheap valuation: MET is cheaper than 64.86% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MET indicates a rather cheap valuation: MET is cheaper than 83.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.62
EV/EBITDA 6.52
MET Per share dataMET EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)1
EPS Next 2Y11.29%
EPS Next 3Y11.22%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MET Dividend Analysis

5.1 Amount

  • MET has a Yearly Dividend Yield of 3.30%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.83, MET pays a bit more dividend than its industry peers.
  • MET's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.3%

5.2 History

  • The dividend of MET has a limited annual growth rate of 4.26%.
  • MET has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of MET decreased in the last 3 years.
Dividend Growth(5Y)4.26%
Div Incr Years2
Div Non Decr Years2
MET Yearly Dividends per shareMET Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 10 20 30

5.3 Sustainability

  • MET pays out 53.67% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • MET's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP53.67%
EPS Next 2Y11.29%
EPS Next 3Y11.22%
MET Yearly Income VS Free CF VS DividendMET Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
MET Dividend Payout.MET Dividend Payout, showing the Payout Ratio.MET Dividend Payout.PayoutRetained Earnings

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MET Fundamentals: All Metrics, Ratios and Statistics

METLIFE INC

NYSE:MET (3/20/2026, 8:08:20 PM)

After market: 68.56 0 (0%)

68.56

-0.05 (-0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners76.86%
Inst Owner Change-0.7%
Ins Owners0.22%
Ins Owner Change5.59%
Market Cap44.70B
Revenue(TTM)76.94B
Net Income(TTM)3.17B
Analysts79.05
Price Target94.94 (38.48%)
Short Float %2.05%
Short Ratio2.76
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Yearly Dividend2.53
Dividend Growth(5Y)4.26%
DP53.67%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.11%
Min EPS beat(2)1.16%
Max EPS beat(2)9.06%
EPS beat(4)2
Avg EPS beat(4)0.12%
Min EPS beat(4)-6.87%
Max EPS beat(4)9.06%
EPS beat(8)3
Avg EPS beat(8)-0.63%
EPS beat(12)5
Avg EPS beat(12)-1.6%
EPS beat(16)8
Avg EPS beat(16)2.34%
Revenue beat(2)0
Avg Revenue beat(2)-9.7%
Min Revenue beat(2)-13.61%
Max Revenue beat(2)-5.79%
Revenue beat(4)1
Avg Revenue beat(4)-5.26%
Min Revenue beat(4)-13.61%
Max Revenue beat(4)2.63%
Revenue beat(8)2
Avg Revenue beat(8)-4.09%
Revenue beat(12)5
Avg Revenue beat(12)-2.2%
Revenue beat(16)6
Avg Revenue beat(16)-2.72%
PT rev (1m)-0.15%
PT rev (3m)-0.68%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-1.62%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)-2.12%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)1.97%
Revenue NY rev (3m)1.94%
Valuation
Industry RankSector Rank
PE 7.68
Fwd PE 6.93
P/S 0.58
P/FCF 2.62
P/OCF 2.62
P/B 1.57
P/tB 2.38
EV/EBITDA 6.52
EPS(TTM)8.93
EY13.03%
EPS(NY)9.89
Fwd EY14.42%
FCF(TTM)26.21
FCFY38.23%
OCF(TTM)26.21
OCFY38.23%
SpS118
BVpS43.55
TBVpS28.81
PEG (NY)0.72
PEG (5Y)1
Graham Number93.55
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 11.17%
ROCE 0.75%
ROIC 0.57%
ROICexc 0.59%
ROICexgc 0.88%
OM 7.25%
PM (TTM) 4.12%
GM N/A
FCFM 22.21%
ROA(3y)0.42%
ROA(5y)0.49%
ROE(3y)10.39%
ROE(5y)9.69%
ROIC(3y)0.56%
ROIC(5y)0.61%
ROICexc(3y)0.58%
ROICexc(5y)0.62%
ROICexgc(3y)0.84%
ROICexgc(5y)0.91%
ROCE(3y)0.74%
ROCE(5y)0.8%
ROICexgc growth 3Y10.16%
ROICexgc growth 5Y-5.2%
ROICexc growth 3Y9.71%
ROICexc growth 5Y-5.17%
OM growth 3Y10.43%
OM growth 5Y-8.74%
PM growth 3Y6.96%
PM growth 5Y-11.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 1.11
Debt/EBITDA 3
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.36
Cash Conversion 269.85%
Profit Quality 538.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.5%
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)626.13%
Profit Quality(5y)527.51%
High Growth Momentum
Growth
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
EPS Next Y10.71%
EPS Next 2Y11.29%
EPS Next 3Y11.22%
EPS Next 5Y9.8%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y3.28%
Revenue growth 5Y2.56%
Sales Q2Q%22.56%
Revenue Next Year-3.37%
Revenue Next 2Y0.48%
Revenue Next 3Y1.6%
Revenue Next 5Y2.95%
EBIT growth 1Y-16.96%
EBIT growth 3Y14.04%
EBIT growth 5Y-6.4%
EBIT Next Year-4.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.08%
FCF growth 3Y8.98%
FCF growth 5Y7.99%
OCF growth 1Y17.08%
OCF growth 3Y8.98%
OCF growth 5Y7.99%

METLIFE INC / MET Fundamental Analysis FAQ

What is the fundamental rating for MET stock?

ChartMill assigns a fundamental rating of 5 / 10 to MET.


What is the valuation status for MET stock?

ChartMill assigns a valuation rating of 8 / 10 to METLIFE INC (MET). This can be considered as Undervalued.


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 7.68 and the Price/Book (PB) ratio is 1.57.


What is the financial health of METLIFE INC (MET) stock?

The financial health rating of METLIFE INC (MET) is 4 / 10.