METLIFE INC (MET) Fundamental Analysis & Valuation

NYSE:MET • US59156R1086

Current stock price

70.61 USD
-0.56 (-0.79%)
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

  • In the past year MET was profitable.
  • In the past year MET had a positive cash flow from operations.
  • MET had positive earnings in each of the past 5 years.
  • 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

  • MET has a worse Return On Assets (0.43%) than 74.83% of its industry peers.
  • With a Return On Equity value of 11.17%, MET perfoms like the industry average, outperforming 55.10% of the companies in the same industry.
  • MET's Return On Invested Capital of 0.57% is on the low side compared to the rest of the industry. MET is outperformed by 67.35% 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 9.36%.
  • 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

  • MET has a worse Profit Margin (4.12%) than 72.79% of its industry peers.
  • MET's Profit Margin has declined in the last couple of years.
  • The Operating Margin of MET (7.25%) is worse than 72.79% of its industry peers.
  • In the last couple of years the Operating Margin of MET has declined.
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.
  • 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

  • MET has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of 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.
  • MET has a Debt/Equity ratio of 0.67. This is a neutral value indicating MET is somewhat dependend on debt financing.
  • The Debt to Equity ratio of MET (0.67) is worse than 83.67% 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 0.67
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACC0.07
WACC7.61%
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

  • 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.
  • 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

  • MET is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.80% yearly.
  • 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-3.56%
Revenue Next 2Y0.37%
Revenue Next 3Y1.53%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

  • A Price/Earnings ratio of 7.91 indicates a rather cheap valuation of MET.
  • Based on the Price/Earnings ratio, MET is valued a bit cheaper than the industry average as 69.39% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of MET to the average of the S&P500 Index (25.51), we can say MET is valued rather cheaply.
  • MET is valuated cheaply with a Price/Forward Earnings ratio of 7.14.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MET indicates a somewhat cheap valuation: MET is cheaper than 73.47% 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 (22.76), we can say MET is valued rather cheaply.
Industry RankSector Rank
PE 7.91
Fwd PE 7.14
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

  • Based on the Enterprise Value to EBITDA ratio, MET is valued a bit cheaper than 63.27% of the companies in the same industry.
  • 82.99% of the companies in the same industry are more expensive than MET, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.69
EV/EBITDA 6.79
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)0.74
PEG (5Y)1.03
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 3.25%.
  • Compared to an average industry Dividend Yield of 2.50, MET pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, MET pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.25%

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.
  • MET has decreased its dividend 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

  • 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 2Y11.29%
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 (4/2/2026, 2:40:02 PM)

70.61

-0.56 (-0.79%)

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 Change5.64%
Market Cap46.04B
Revenue(TTM)76.94B
Net Income(TTM)3.17B
Analysts79.05
Price Target93.76 (32.79%)
Short Float %2.36%
Short Ratio3.1
Dividend
Industry RankSector Rank
Dividend Yield 3.25%
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)-1.24%
PT rev (3m)-2.69%
EPS NQ rev (1m)-0.26%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)-2.21%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)1.21%
Valuation
Industry RankSector Rank
PE 7.91
Fwd PE 7.14
P/S 0.6
P/FCF 2.69
P/OCF 2.69
P/B 1.62
P/tB 2.45
EV/EBITDA 6.79
EPS(TTM)8.93
EY12.65%
EPS(NY)9.89
Fwd EY14%
FCF(TTM)26.21
FCFY37.12%
OCF(TTM)26.21
OCFY37.12%
SpS118
BVpS43.55
TBVpS28.81
PEG (NY)0.74
PEG (5Y)1.03
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
WACC7.61%
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 Y10.71%
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-3.56%
Revenue Next 2Y0.37%
Revenue Next 3Y1.53%
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.


Can you provide the valuation status for METLIFE INC?

ChartMill assigns a valuation rating of 8 / 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 10.71% 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%.