METLIFE INC (MET) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:MET • US59156R1086

76.9 USD
-2.93 (-3.67%)
At close: Feb 3, 2026
77.2 USD
+0.3 (+0.39%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

4

Overall MET gets a fundamental rating of 4 out of 10. We evaluated MET against 147 industry peers in the Insurance industry. MET may be in some trouble as it scores bad on both profitability and health. MET has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

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.
  • In the past 5 years MET has always been profitable.
  • MET had a positive operating cash flow in each of the past 5 years.
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 5B 10B

1.2 Ratios

  • MET has a worse Return On Assets (0.50%) than 71.43% of its industry peers.
  • MET's Return On Equity of 12.56% is in line compared to the rest of the industry. MET outperforms 57.14% of its industry peers.
  • The Return On Invested Capital of MET (0.64%) is worse than 67.35% 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 14.94%.
  • The 3 year average ROIC (0.52%) for MET is below the current ROIC(0.64%), indicating increased profibility in the last year.
Industry RankSector 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%
MET Yearly ROA, ROE, ROICMET Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • MET's Profit Margin of 5.05% is on the low side compared to the rest of the industry. MET is outperformed by 65.31% of its industry peers.
  • In the last couple of years the Profit Margin of MET has declined.
  • MET has a worse Operating Margin (8.34%) than 66.67% of its industry peers.
  • In the last couple of years the Operating Margin of MET has declined.
Industry RankSector 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
MET Yearly Profit, Operating, Gross MarginsMET Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

More info and screens

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MET is destroying value.
  • MET has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for MET has been reduced compared to 5 years ago.
  • The debt/assets ratio for MET is higher compared to a year ago.
MET Yearly Shares OutstandingMET Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200B 400B 600B 800B

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's Debt to FCF ratio of 1.36 is fine compared to the rest of the industry. MET outperforms 61.90% 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 has a worse Debt to Equity ratio (0.69) than 84.35% 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 0.69
Debt/FCF 1.36
Altman-Z N/A
ROIC/WACC0.08
WACC7.66%
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 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 1B 2B 3B 4B 5B

More info and screens

5

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.
  • The Revenue has been growing slightly by 0.79% in the past year.
  • 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

  • MET is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.82% yearly.
  • The Revenue is expected to grow by 4.27% on average over the next years.
EPS Next Y7.87%
EPS Next 2Y10.66%
EPS Next 3Y11.05%
EPS Next 5Y11.82%
Revenue Next Year12.79%
Revenue Next 2Y3.38%
Revenue Next 3Y3.49%
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.
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 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 2 4 6 8 10

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.12, which indicates a very decent valuation of MET.
  • MET's Price/Earnings ratio is a bit cheaper when compared to the industry. MET is cheaper than 66.67% of the companies in the same industry.
  • MET's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
  • The Price/Forward Earnings ratio is 7.71, which indicates a rather cheap valuation of MET.
  • 70.75% of the companies in the same industry are more expensive than MET, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of MET to the average of the S&P500 Index (25.51), we can say MET is valued rather cheaply.
Industry RankSector Rank
PE 9.12
Fwd PE 7.71
MET Price Earnings VS Forward Price EarningsMET Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • MET's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. MET is cheaper than 63.27% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MET indicates a somewhat cheap valuation: MET is cheaper than 78.23% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.46
EV/EBITDA 7.49
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)1.54
EPS Next 2Y10.66%
EPS Next 3Y11.05%

More info and screens

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.90%, MET has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.19, 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 1.83.
Industry RankSector Rank
Dividend Yield 2.9%

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.
  • The dividend of MET decreased in the last 3 years.
Dividend Growth(5Y)4.59%
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

  • 46.97% 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.
DP46.97%
EPS Next 2Y10.66%
EPS Next 3Y11.05%
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 5B 10B
MET Dividend Payout.MET Dividend Payout, showing the Payout Ratio.MET Dividend Payout.PayoutRetained Earnings

More info and screens

METLIFE INC

NYSE:MET (2/3/2026, 8:04:00 PM)

After market: 77.2 +0.3 (+0.39%)

76.9

-2.93 (-3.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-04
Inst Owners76.48%
Inst Owner Change-1.21%
Ins Owners0.18%
Ins Owner Change0.56%
Market Cap50.67B
Revenue(TTM)71.96B
Net Income(TTM)3.63B
Analysts80
Price Target94.79 (23.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend2.43
Dividend Growth(5Y)4.59%
DP46.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-03
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)-1.63%
PT rev (3m)-2.03%
EPS NQ rev (1m)-0.86%
EPS NQ rev (3m)-1.99%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.08%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)44.21%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)9.64%
Valuation
Industry RankSector Rank
PE 9.12
Fwd PE 7.71
P/S 0.7
P/FCF 3.46
P/OCF 3.46
P/B 1.75
P/tB 2.55
EV/EBITDA 7.49
EPS(TTM)8.43
EY10.96%
EPS(NY)9.97
Fwd EY12.96%
FCF(TTM)22.2
FCFY28.87%
OCF(TTM)22.2
OCFY28.87%
SpS109.21
BVpS43.93
TBVpS30.12
PEG (NY)1.16
PEG (5Y)1.54
Graham Number91.28
Profitability
Industry RankSector 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 RankSector 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 Y7.87%
EPS Next 2Y10.66%
EPS Next 3Y11.05%
EPS Next 5Y11.82%
Revenue 1Y (TTM)0.79%
Revenue growth 3Y-0.02%
Revenue growth 5Y0.37%
Sales Q2Q%1.63%
Revenue Next Year12.79%
Revenue Next 2Y3.38%
Revenue Next 3Y3.49%
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 9.12 and the Price/Book (PB) ratio is 1.75.


What is the financial health of METLIFE INC (MET) stock?

The financial health rating of METLIFE INC (MET) is 3 / 10.