METLIFE INC (MET) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:MET • US59156R1086

76.28 USD
-0.1 (-0.13%)
At close: Feb 9, 2026
76.28 USD
0 (0%)
After Hours: 2/9/2026, 8:14:59 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

MET gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. MET may be in some trouble as it scores bad on both profitability and health. MET has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

2

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.
  • Of the past 5 years MET 4 years were profitable.
  • Of the past 5 years MET 4 years 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 5B 10B

1.2 Ratios

  • With a Return On Assets value of 0.50%, MET is not doing good in the industry: 70.47% of the companies in the same industry are doing better.
  • MET has a Return On Equity (12.56%) which is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 0.64%, MET is not doing good in the industry: 67.11% of the companies in the same industry are doing better.
  • Measured over the past 3 years, the Average Return On Invested Capital for MET is significantly below the industry average of 14.88%.
  • The 3 year average ROIC (0.52%) for MET is below the current ROIC(0.64%), indicating increased profibility in the last year.
Industry RankSector 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%
MET Yearly ROA, ROE, ROICMET Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 5.05%, MET is not doing good in the industry: 64.43% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of MET has declined.
  • MET has a worse Operating Margin (8.34%) than 65.77% of its industry peers.
  • In the last couple of years the Operating Margin of MET has declined.
Industry RankSector 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
MET Yearly Profit, Operating, Gross MarginsMET Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MET is destroying value.
  • There is no outstanding debt for MET. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200B 400B 600B 800B

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 62.42% of its industry peers.
  • A Debt/Equity ratio of 0.69 indicates that MET is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.69, MET is doing worse than 82.55% of the companies in the same industry.
  • 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 RankSector Rank
Debt/Equity 0.69
Debt/FCF 1.36
Altman-Z N/A
ROIC/WACC0.08
WACC7.6%
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 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 1B 2B 3B 4B 5B

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

3

3. Growth

3.1 Past

  • MET shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.71%, which is quite good.
  • MET shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.67% yearly.
EPS 1Y (TTM)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.56%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.53% on average over the next years. This is quite good.
  • Based on estimates for the next years, MET will show a small growth in Revenue. The Revenue will grow by 1.58% on average per year.
EPS Next Y11.33%
EPS Next 2Y11.59%
EPS Next 3Y12.53%
EPS Next 5YN/A
Revenue Next Year-5.24%
Revenue Next 2Y-0.86%
Revenue Next 3Y1.58%
Revenue Next 5YN/A

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.
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 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 2 4 6 8 10

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.54, the valuation of MET can be described as reasonable.
  • 70.47% 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 28.06, which is the current average of the S&P500 Index.
  • MET is valuated cheaply with a Price/Forward Earnings ratio of 7.67.
  • 72.48% 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 27.86.
Industry RankSector Rank
PE 8.54
Fwd PE 7.67
MET Price Earnings VS Forward Price EarningsMET Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 65.77% of the companies in the same industry are more expensive than MET, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MET indicates a rather cheap valuation: MET is cheaper than 81.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.44
EV/EBITDA 7.15
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.
  • A more expensive valuation may be justified as MET's earnings are expected to grow with 12.53% in the coming years.
PEG (NY)0.75
PEG (5Y)1.11
EPS Next 2Y11.59%
EPS Next 3Y12.53%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.97%, MET has a reasonable but not impressive dividend return.
  • MET's Dividend Yield is a higher than the industry average which is at 2.23.
  • Compared to an average S&P500 Dividend Yield of 1.80, MET pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.97%

5.2 History

  • The dividend of MET has a limited annual growth rate of 4.59%.
  • 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)4.59%
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 46.97% of its income as dividend. 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 2Y11.59%
EPS Next 3Y12.53%
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 5B 10B
MET Dividend Payout.MET Dividend Payout, showing the Payout Ratio.MET Dividend Payout.PayoutRetained Earnings

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METLIFE INC

NYSE:MET (2/9/2026, 8:14:59 PM)

After market: 76.28 0 (0%)

76.28

-0.1 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners76.48%
Inst Owner Change-0.71%
Ins Owners0.18%
Ins Owner Change0.56%
Market Cap50.26B
Revenue(TTM)N/A
Net Income(TTM)3.63B
Analysts80
Price Target95.08 (24.65%)
Short Float %1.81%
Short Ratio2.95
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP46.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-03
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)-1.33%
PT rev (3m)-1.73%
EPS NQ rev (1m)-0.86%
EPS NQ rev (3m)-1.66%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)44.79%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)9.57%
Valuation
Industry RankSector Rank
PE 8.54
Fwd PE 7.67
P/S 0.7
P/FCF 3.44
P/OCF 3.44
P/B 1.74
P/tB 2.53
EV/EBITDA 7.15
EPS(TTM)8.93
EY11.71%
EPS(NY)9.94
Fwd EY13.03%
FCF(TTM)22.2
FCFY29.1%
OCF(TTM)22.2
OCFY29.1%
SpS109.21
BVpS43.93
TBVpS30.12
PEG (NY)0.75
PEG (5Y)1.11
Graham Number93.95
Profitability
Industry RankSector 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 RankSector 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)9.71%
EPS 3Y9.29%
EPS 5Y7.67%
EPS Q2Q%24.04%
EPS Next Y11.33%
EPS Next 2Y11.59%
EPS Next 3Y12.53%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.56%
Revenue Next Year-5.24%
Revenue Next 2Y-0.86%
Revenue Next 3Y1.58%
Revenue Next 5YN/A
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 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 2 / 10.


Can you provide the PE and PB ratios for MET stock?

The Price/Earnings (PE) ratio for METLIFE INC (MET) is 8.54 and the Price/Book (PB) ratio is 1.74.


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

The financial health rating of METLIFE INC (MET) is 3 / 10.