METLIFE INC (MET) Fundamental Analysis & Valuation

NYSE:MET • US59156R1086

Current stock price

80.34 USD
+0.24 (+0.3%)
Last:

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.
  • MET had positive earnings in each of the past 5 years.
  • In the past 5 years MET always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 0.43%, MET is doing worse than 76.19% of the companies in the same industry.
  • With a Return On Equity value of 11.17%, MET perfoms like the industry average, outperforming 53.74% of the companies in the same industry.
  • MET has a Return On Invested Capital of 0.57%. This is in the lower half of the industry: MET underperforms 65.99% 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 9.60%.
  • 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

  • With a Profit Margin value of 4.12%, MET is not doing good in the industry: 73.47% of the companies in the same industry are doing better.
  • MET's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 7.25%, MET is doing worse than 71.43% of the companies in the same industry.
  • 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MET is destroying value.
  • Compared to 1 year ago, MET has less shares outstanding
  • Compared to 5 years ago, MET has less shares outstanding
  • The debt/assets ratio for MET has been reduced compared to a year ago.
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.
  • Looking at the Debt to FCF ratio, with a value of 1.11, MET is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
  • A Debt/Equity ratio of 0.67 indicates that MET is somewhat dependend on debt financing.
  • The Debt to Equity ratio of MET (0.67) is worse than 82.99% 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/WACC0.07
WACC7.77%
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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5

3. MET Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.71% over the past year.
  • The Earnings Per Share has been growing slightly by 7.67% on average over the past years.
  • 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

  • The Earnings Per Share is expected to grow by 10.54% 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 2.91% on average per year.
EPS Next Y10.83%
EPS Next 2Y11.25%
EPS Next 3Y11.41%
EPS Next 5Y10.54%
Revenue Next Year-2.98%
Revenue Next 2Y0.7%
Revenue Next 3Y2.1%
Revenue Next 5Y2.91%

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 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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7

4. MET Valuation Analysis

4.1 Price/Earnings Ratio

  • MET is valuated reasonably with a Price/Earnings ratio of 9.00.
  • MET's Price/Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 65.31% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, MET is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.12, which indicates a very decent valuation of MET.
  • MET's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 70.07% of the companies in the same industry.
  • MET's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 9
Fwd PE 8.12
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

  • 62.59% of the companies in the same industry are more expensive than MET, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, MET is valued cheaply inside the industry as 80.27% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.06
EV/EBITDA 7.71
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

  • MET's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)1.17
EPS Next 2Y11.25%
EPS Next 3Y11.41%

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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 2.98%.
  • MET's Dividend Yield is a higher than the industry average which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.82, MET pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.98%

5.2 History

  • The dividend of MET has a limited annual growth rate of 4.26%.
  • MET has been paying a dividend for at least 10 years, so it has a reliable track record.
  • MET has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.26%
Div Incr Years3
Div Non Decr Years3
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

  • 53.67% of the earnings are spent on dividend by MET. 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 2Y11.25%
EPS Next 3Y11.41%
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 (5/1/2026, 12:37:55 PM)

80.34

+0.24 (+0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength40.99
Industry Growth43.48
Earnings (Last)02-04
Earnings (Next)05-06
Inst Owners77.04%
Inst Owner Change-0.61%
Ins Owners0.21%
Ins Owner Change5.71%
Market Cap52.39B
Revenue(TTM)76.94B
Net Income(TTM)3.17B
Analysts79.09
Price Target92.9 (15.63%)
Short Float %2.3%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield 2.98%
Yearly Dividend2.53
Dividend Growth(5Y)4.26%
DP53.67%
Div Incr Years3
Div Non Decr Years3
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)-2.15%
PT rev (3m)-1.99%
EPS NQ rev (1m)2.55%
EPS NQ rev (3m)1.91%
EPS NY rev (1m)0.1%
EPS NY rev (3m)-0.72%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0.61%
Revenue NY rev (3m)2.39%
Valuation
Industry RankSector Rank
PE 9
Fwd PE 8.12
P/S 0.68
P/FCF 3.06
P/OCF 3.06
P/B 1.84
P/tB 2.79
EV/EBITDA 7.71
EPS(TTM)8.93
EY11.12%
EPS(NY)9.9
Fwd EY12.32%
FCF(TTM)26.21
FCFY32.63%
OCF(TTM)26.21
OCFY32.63%
SpS118
BVpS43.55
TBVpS28.81
PEG (NY)0.83
PEG (5Y)1.17
Graham Number93.545 (16.44%)
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
WACC7.77%
ROIC/WACC0.07
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 Y10.83%
EPS Next 2Y11.25%
EPS Next 3Y11.41%
EPS Next 5Y10.54%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y3.28%
Revenue growth 5Y2.56%
Sales Q2Q%22.56%
Revenue Next Year-2.98%
Revenue Next 2Y0.7%
Revenue Next 3Y2.1%
Revenue Next 5Y2.91%
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.


Can you provide the valuation status for METLIFE INC?

ChartMill assigns a valuation rating of 7 / 10 to METLIFE INC (MET). This can be considered as Undervalued.


How profitable is METLIFE INC (MET) stock?

METLIFE INC (MET) has a profitability rating of 3 / 10.


What is the earnings growth outlook for METLIFE INC?

The Earnings per Share (EPS) of METLIFE INC (MET) is expected to grow by 10.83% in the next year.


Is the dividend of METLIFE INC sustainable?

The dividend rating of METLIFE INC (MET) is 6 / 10 and the dividend payout ratio is 53.67%.