METLIFE INC (MET) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MET - US59156R1086 - Common Stock
76.6 USD
+1.03 (+1.36%)
76.6 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to MET. MET was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of MET have multiple concerns. MET has a correct valuation and a medium growth rate.
1. Profitability
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.
- MET had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.50%, MET is not doing good in the industry: 71.14% 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.
- MET has a worse Return On Invested Capital (0.64%) than 67.11% of its industry peers.
- MET had an Average Return On Invested Capital over the past 3 years of 0.52%. This is significantly below the industry average of 14.92%.
- 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
- With a Profit Margin value of 5.05%, MET is not doing good in the industry: 65.10% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of MET has declined.
- The Operating Margin of MET (8.34%) is worse than 66.44% of its industry peers.
- In the last couple of years the Operating Margin of MET has declined.
| 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
- MET has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for MET has been reduced compared to 1 year ago.
- Compared to 5 years ago, MET has less shares outstanding
- MET has a worse debt/assets ratio than last year.
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.
- The Debt to FCF ratio of MET (1.36) is better than 62.42% 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.
- MET's Debt to Equity ratio of 0.69 is on the low side compared to the rest of the industry. MET is outperformed by 83.22% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.69 | ||
| Debt/FCF | 1.36 | ||
| Altman-Z | N/A |
ROIC/WACC0.08
WACC7.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MET shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.51%.
- 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%.
- MET shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.37% yearly.
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
- The Earnings Per Share is expected to grow by 11.82% on average over the next years. This is quite good.
- MET is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.27% yearly.
EPS Next Y7.98%
EPS Next 2Y11.45%
EPS Next 3Y11.81%
EPS Next 5Y11.82%
Revenue Next Year12.8%
Revenue Next 2Y3.41%
Revenue Next 3Y3.51%
Revenue Next 5Y4.27%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.09, which indicates a very decent valuation of MET.
- Compared to the rest of the industry, the Price/Earnings ratio of MET indicates a somewhat cheap valuation: MET is cheaper than 69.13% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, MET is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 7.58, the valuation of MET can be described as very cheap.
- MET's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 73.83% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.30. MET is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.09 | ||
| Fwd PE | 7.58 |
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.
- MET's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MET is cheaper than 78.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.45 | ||
| EV/EBITDA | 7.07 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.14
PEG (5Y)1.54
EPS Next 2Y11.45%
EPS Next 3Y11.81%
5. Dividend
5.1 Amount
- MET has a Yearly Dividend Yield of 2.91%.
- Compared to an average industry Dividend Yield of 2.53, MET pays a bit more dividend than its industry peers.
- MET's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
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
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.
- MET's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.97%
EPS Next 2Y11.45%
EPS Next 3Y11.81%
76.6
+1.03 (+1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners76.48%
Inst Owner Change0.1%
Ins Owners0.18%
Ins Owner Change0.56%
Market Cap50.47B
Revenue(TTM)71.96B
Net Income(TTM)3.63B
Analysts80
Price Target94.79 (23.75%)
Short Float %1.55%
Short Ratio2.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP46.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-03 2026-02-03 (0.5675)
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)-0.84%
PT rev (3m)-0.57%
EPS NQ rev (1m)-0.43%
EPS NQ rev (3m)-1.49%
EPS NY rev (1m)0.09%
EPS NY rev (3m)0.57%
Revenue NQ rev (1m)8.07%
Revenue NQ rev (3m)44.5%
Revenue NY rev (1m)1.32%
Revenue NY rev (3m)9.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.09 | ||
| Fwd PE | 7.58 | ||
| P/S | 0.7 | ||
| P/FCF | 3.45 | ||
| P/OCF | 3.45 | ||
| P/B | 1.74 | ||
| P/tB | 2.54 | ||
| EV/EBITDA | 7.07 |
EPS(TTM)8.43
EY11.01%
EPS(NY)10.11
Fwd EY13.2%
FCF(TTM)22.2
FCFY28.98%
OCF(TTM)22.2
OCFY28.98%
SpS109.21
BVpS43.93
TBVpS30.12
PEG (NY)1.14
PEG (5Y)1.54
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
WACC7.66%
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 Year12.8%
Revenue Next 2Y3.41%
Revenue Next 3Y3.51%
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 9.09 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.