METLIFE INC (MET) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MET - US59156R1086 - Common Stock
79.78 USD
+1.51 (+1.93%)
79.78 USD
0 (0%)
Overall MET gets a fundamental rating of 4 out of 10. We evaluated MET against 148 industry peers in the Insurance industry. MET may be in some trouble as it scores bad on both profitability and health. MET is not valued too expensively and it also shows a decent 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.
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 70.95% of its industry peers.
The Return On Equity of MET (12.56%) 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: 66.89% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for MET is significantly below the industry average of 14.93%.
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
MET has a Profit Margin of 5.05%. This is in the lower half of the industry: MET underperforms 64.86% of its industry peers.
In the last couple of years the Profit Margin of MET has declined.
The Operating Margin of MET (8.34%) is worse than 66.22% 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.
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.
MET has a Debt to FCF ratio of 1.36. This is in the better half of the industry: MET outperforms 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.
Looking at the Debt to Equity ratio, with a value of 0.69, MET is doing worse than 83.78% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 1.36 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC7.59%
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.
The Earnings Per Share has been growing slightly by 5.91% on average over the past years.
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.
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.
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
Based on the Price/Earnings ratio of 9.46, the valuation of MET can be described as reasonable.
68.24% of the companies in the same industry are more expensive than MET, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.00. MET is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.89 indicates a rather cheap valuation of MET.
Based on the Price/Forward Earnings ratio, MET is valued a bit cheaper than the industry average as 73.65% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.70. MET is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
MET's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MET is cheaper than 64.19% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MET is valued a bit cheaper than 78.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.59 | ||
| EV/EBITDA | 7.33 |
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)1.19
PEG (5Y)1.6
EPS Next 2Y11.45%
EPS Next 3Y11.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.88%, MET has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.48, MET pays a bit more dividend than its industry peers.
MET's Dividend Yield is a higher than the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
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
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 2Y11.45%
EPS Next 3Y11.81%
79.78
+1.51 (+1.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners76.48%
Inst Owner Change0%
Ins Owners0.18%
Ins Owner Change0.39%
Market Cap52.57B
Revenue(TTM)71.96B
Net Income(TTM)3.63B
Analysts80
Price Target96.36 (20.78%)
Short Float %1.5%
Short Ratio2.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
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)0.57%
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 | 9.46 | ||
| Fwd PE | 7.89 | ||
| P/S | 0.73 | ||
| P/FCF | 3.59 | ||
| P/OCF | 3.59 | ||
| P/B | 1.82 | ||
| P/tB | 2.65 | ||
| EV/EBITDA | 7.33 |
EPS(TTM)8.43
EY10.57%
EPS(NY)10.11
Fwd EY12.67%
FCF(TTM)22.2
FCFY27.83%
OCF(TTM)22.2
OCFY27.83%
SpS109.21
BVpS43.93
TBVpS30.12
PEG (NY)1.19
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
WACC7.59%
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 9.46 and the Price/Book (PB) ratio is 1.82.
What is the financial health of METLIFE INC (MET) stock?
The financial health rating of METLIFE INC (MET) is 3 / 10.