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METLIFE INC (MET) Stock Fundamental Analysis

NYSE:MET - New York Stock Exchange, Inc. - US59156R1086 - Common Stock

86.4  -0.48 (-0.55%)

Fundamental Rating

4

MET gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. MET has a bad profitability rating. Also its financial health evaluation is rather negative. MET has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year MET was profitable.
In the past year MET had a positive cash flow from operations.
Each year in the past 5 years MET has been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B

1.2 Ratios

The Return On Assets of MET (0.51%) is worse than 73.76% of its industry peers.
MET has a Return On Equity (11.53%) which is comparable to the rest of the industry.
MET has a Return On Invested Capital of 0.73%. This is in the lower half of the industry: MET underperforms 62.41% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MET is below the industry average of 4.61%.
The 3 year average ROIC (0.61%) for MET is below the current ROIC(0.73%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.51%
ROE 11.53%
ROIC 0.73%
ROA(3y)0.46%
ROA(5y)0.56%
ROE(3y)7.3%
ROE(5y)7.5%
ROIC(3y)0.61%
ROIC(5y)0.7%
MET Yearly ROA, ROE, ROICMET Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 4.99%, MET is doing worse than 60.99% of the companies in the same industry.
In the last couple of years the Profit Margin of MET has declined.
The Operating Margin of MET (8.78%) is comparable to the rest of the industry.
MET's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.78%
PM (TTM) 4.99%
GM N/A
OM growth 3Y-25.82%
OM growth 5Y-15.56%
PM growth 3Y-35.38%
PM growth 5Y-22.38%
GM growth 3YN/A
GM growth 5YN/A
MET Yearly Profit, Operating, Gross MarginsMET Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

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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.
Compared to 1 year ago, MET has less shares outstanding
The number of shares outstanding for MET has been reduced compared to 5 years ago.
MET has a worse debt/assets ratio than last year.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B
MET Yearly Total Debt VS Total AssetsMET Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B

2.2 Solvency

MET has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
MET has a better Debt to FCF ratio (1.24) than 60.99% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that MET is somewhat dependend on debt financing.
MET has a worse Debt to Equity ratio (0.61) than 78.72% of its industry peers.
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 0.61
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACC0.09
WACC8.11%
MET Yearly LT Debt VS Equity VS FCFMET Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

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4

3. Growth

3.1 Past

MET shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.80%, which is quite good.
MET shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.37% yearly.
MET shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.21%.
MET shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.33% yearly.
EPS 1Y (TTM)14.8%
EPS 3Y5.96%
EPS 5Y6.37%
EPS Q2Q%0%
Revenue 1Y (TTM)11.21%
Revenue growth 3Y-0.49%
Revenue growth 5Y-0.33%
Sales Q2Q%-3.42%

3.2 Future

MET is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.53% yearly.
MET is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.76% yearly.
EPS Next Y13.84%
EPS Next 2Y15.55%
EPS Next 3Y13.72%
EPS Next 5Y4.53%
Revenue Next Year1.49%
Revenue Next 2Y2.86%
Revenue Next 3Y3.2%
Revenue Next 5Y4.76%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.
MET Yearly Revenue VS EstimatesMET Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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6

4. Valuation

4.1 Price/Earnings Ratio

MET is valuated reasonably with a Price/Earnings ratio of 10.81.
MET's Price/Earnings ratio is in line with the industry average.
MET's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
MET is valuated reasonably with a Price/Forward Earnings ratio of 8.82.
67.38% of the companies in the same industry are more expensive than MET, based on the Price/Forward Earnings ratio.
MET is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.81
Fwd PE 8.82
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 66.67% of the companies listed in the same industry.
MET's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MET is cheaper than 75.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.94
EV/EBITDA 8.13
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.
MET's earnings are expected to grow with 13.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)1.7
EPS Next 2Y15.55%
EPS Next 3Y13.72%

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4

5. Dividend

5.1 Amount

MET has a Yearly Dividend Yield of 2.54%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.99, MET pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, MET has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.54%

5.2 History

The dividend of MET has a limited annual growth rate of 5.17%.
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)5.17%
Div Incr Years2
Div Non Decr Years2
MET Yearly Dividends per shareMET Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

5.3 Sustainability

MET pays out 48.75% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of MET is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP48.75%
EPS Next 2Y15.55%
EPS Next 3Y13.72%
MET Yearly Income VS Free CF VS DividendMET Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 (1/22/2025, 10:36:07 AM)

86.4

-0.48 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)02-05 2025-02-05/amc
Inst Owners76.07%
Inst Owner Change0.15%
Ins Owners0.16%
Ins Owner Change0.95%
Market Cap59.83B
Analysts79.05
Price Target96.59 (11.79%)
Short Float %1.09%
Short Ratio1.82
Dividend
Industry RankSector Rank
Dividend Yield 2.54%
Yearly Dividend2.34
Dividend Growth(5Y)5.17%
DP48.75%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.83%
Min EPS beat(2)-10.99%
Max EPS beat(2)7.34%
EPS beat(4)2
Avg EPS beat(4)-0.66%
Min EPS beat(4)-10.99%
Max EPS beat(4)7.34%
EPS beat(8)3
Avg EPS beat(8)-3.1%
EPS beat(12)7
Avg EPS beat(12)7.06%
EPS beat(16)11
Avg EPS beat(16)15.01%
Revenue beat(2)0
Avg Revenue beat(2)-3.45%
Min Revenue beat(2)-6.53%
Max Revenue beat(2)-0.38%
Revenue beat(4)1
Avg Revenue beat(4)-2.86%
Min Revenue beat(4)-6.53%
Max Revenue beat(4)0.41%
Revenue beat(8)3
Avg Revenue beat(8)-1.54%
Revenue beat(12)5
Avg Revenue beat(12)-0.54%
Revenue beat(16)8
Avg Revenue beat(16)1.62%
PT rev (1m)0.8%
PT rev (3m)9.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.5%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)-0.95%
Valuation
Industry RankSector Rank
PE 10.81
Fwd PE 8.82
P/S 0.84
P/FCF 3.94
P/OCF 3.94
P/B 1.94
P/tB 2.75
EV/EBITDA 8.13
EPS(TTM)7.99
EY9.25%
EPS(NY)9.8
Fwd EY11.34%
FCF(TTM)21.91
FCFY25.36%
OCF(TTM)21.91
OCFY25.36%
SpS103.1
BVpS44.6
TBVpS31.38
PEG (NY)0.78
PEG (5Y)1.7
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 11.53%
ROCE 0.89%
ROIC 0.73%
ROICexc 0.75%
ROICexgc 1.1%
OM 8.78%
PM (TTM) 4.99%
GM N/A
FCFM 21.25%
ROA(3y)0.46%
ROA(5y)0.56%
ROE(3y)7.3%
ROE(5y)7.5%
ROIC(3y)0.61%
ROIC(5y)0.7%
ROICexc(3y)0.63%
ROICexc(5y)0.72%
ROICexgc(3y)0.91%
ROICexgc(5y)1.06%
ROCE(3y)0.74%
ROCE(5y)0.86%
ROICexcg growth 3Y-22.95%
ROICexcg growth 5Y-16.22%
ROICexc growth 3Y-22.5%
ROICexc growth 5Y-15.72%
OM growth 3Y-25.82%
OM growth 5Y-15.56%
PM growth 3Y-35.38%
PM growth 5Y-22.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.61
Debt/FCF 1.24
Debt/EBITDA 2.7
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.91
Cash Conversion 217.04%
Profit Quality 425.98%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC8.11%
ROIC/WACC0.09
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)584.49%
Profit Quality(5y)443.73%
High Growth Momentum
Growth
EPS 1Y (TTM)14.8%
EPS 3Y5.96%
EPS 5Y6.37%
EPS Q2Q%0%
EPS Next Y13.84%
EPS Next 2Y15.55%
EPS Next 3Y13.72%
EPS Next 5Y4.53%
Revenue 1Y (TTM)11.21%
Revenue growth 3Y-0.49%
Revenue growth 5Y-0.33%
Sales Q2Q%-3.42%
Revenue Next Year1.49%
Revenue Next 2Y2.86%
Revenue Next 3Y3.2%
Revenue Next 5Y4.76%
EBIT growth 1Y57.88%
EBIT growth 3Y-26.19%
EBIT growth 5Y-15.84%
EBIT Next Year17.94%
EBIT Next 3Y5.61%
EBIT Next 5YN/A
FCF growth 1Y-5.68%
FCF growth 3Y5.64%
FCF growth 5Y3.17%
OCF growth 1Y-5.68%
OCF growth 3Y5.64%
OCF growth 5Y3.17%