(MET) MetLife - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US59156R1086
Insurance, Annuities, Employee Benefits, Asset Management
Dividends
| Dividend Yield | 2.90% |
| Yield on Cost 5y | 5.54% |
| Yield CAGR 5y | 4.50% |
| Payout Consistency | 34.0% |
| Payout Ratio | 26.8% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 21.7% |
| Value at Risk 5%th | 36.1% |
| Relative Tail Risk | 1.25% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.24 |
| Alpha | -23.22 |
| CAGR/Max DD | 0.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.452 |
| Beta | 1.084 |
| Beta Downside | 1.347 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.14% |
| Mean DD | 8.59% |
| Median DD | 7.09% |
Description: MET MetLife December 03, 2025
MetLife, Inc. (NYSE: MET) is a global financial-services firm that delivers a broad suite of insurance, employee-benefits, annuity, and asset-management products across six operating segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings.
In 2023 the company reported net income of roughly $5.2 billion and a combined ratio of 93.5% in its core life-and-health business, reflecting underwriting profitability despite a challenging low-interest-rate environment. Return on equity (ROE) hovered near 8.6%, while the firm’s total assets under management topped $800 billion, underscoring its scale in the annuity and investment-product space.
Key drivers for MetLife include the prevailing interest-rate cycle (which directly impacts investment income on its large bond portfolio), demographic aging that fuels demand for retirement income solutions, and tightening regulatory capital standards that can affect pricing and product mix across regions.
For a deeper quantitative dive, you may find ValueRay’s analyst toolkit useful for modeling MET’s risk-adjusted returns.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (3.84b TTM) > 0 and > 6% of Revenue (6% = 4.25b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 458.1% (prev 445.1%; Δ 12.98pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 15.14b > Net Income 3.84b (YES >=105%, WARN >=100%) |
| Net Debt (-401.0m) to EBITDA (5.98b) ratio: -0.07 <= 3.0 (WARN <= 3.5) |
| Current Ratio 432.0 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (669.1m) change vs 12m ago -4.92% (target <= -2.0% for YES) |
| Gross Margin 24.11% (prev 24.75%; Δ -0.63pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.93% (prev 10.03%; Δ -0.10pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.55 (EBITDA TTM 5.98b / Interest Expense TTM 1.06b) >= 6 (WARN >= 3) |
Altman Z'' 3.21
| (A) 0.45 = (Total Current Assets 324.88b - Total Current Liabilities 752.0m) / Total Assets 719.73b |
| (B) 0.06 = Retained Earnings (Balance) 43.89b / Total Assets 719.73b |
| (C) 0.00 = EBIT TTM 1.64b / Avg Total Assets 712.35b |
| (D) 0.04 = Book Value of Equity 26.33b / Total Liabilities 690.53b |
| Total Rating: 3.21 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 49.06
| 1. Piotroski 2.0pt |
| 2. FCF Yield -33.65% |
| 3. FCF Margin 21.40% |
| 4. Debt/Equity 0.69 |
| 5. Debt/Ebitda -0.07 |
| 6. ROIC - WACC (= -4.87)% |
| 7. RoE 13.77% |
| 8. Rev. Trend 0.87% |
| 9. EPS Trend 36.24% |
What is the price of MET shares?
As of December 05, 2025, the stock is trading at USD 78.03 with a total of 4,200,726 shares traded.
Over the past week, the price has changed by +1.92%, over one month by -1.80%, over three months by -3.86% and over the past year by -5.95%.
Over the past week, the price has changed by +1.92%, over one month by -1.80%, over three months by -3.86% and over the past year by -5.95%.
Is MET a buy, sell or hold?
MetLife has received a consensus analysts rating of 4.19.
Therefore, it is recommended to buy MET.
- Strong Buy: 7
- Buy: 5
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MET price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 92.5 | 18.5% |
| Analysts Target Price | 92.5 | 18.5% |
| ValueRay Target Price | 79.8 | 2.3% |
MET Fundamental Data Overview November 25, 2025
Market Cap USD = 49.92b (49.92b USD * 1.0 USD.USD)
P/E Trailing = 14.1375
P/E Forward = 7.4794
P/S = 0.694
P/B = 1.7089
P/EG = 0.603
Beta = 0.752
Revenue TTM = 70.76b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 5.98b USD
Long Term Debt = 19.45b USD (from longTermDebt, last quarter)
Short Term Debt = 378.0m USD (from shortTermDebt, last quarter)
Debt = 19.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -401.0m USD (from netDebt column, last quarter)
Enterprise Value = -45.01b USD (49.92b + Debt 19.83b - CCE 114.77b)
Interest Coverage Ratio = 1.55 (Ebit TTM 1.64b / Interest Expense TTM 1.06b)
FCF Yield = -33.65% (FCF TTM 15.14b / Enterprise Value -45.01b)
FCF Margin = 21.40% (FCF TTM 15.14b / Revenue TTM 70.76b)
Net Margin = 5.43% (Net Income TTM 3.84b / Revenue TTM 70.76b)
Gross Margin = 24.11% ((Revenue TTM 70.76b - Cost of Revenue TTM 53.70b) / Revenue TTM)
Gross Margin QoQ = 17.40% (prev 26.43%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -45.01b / Total Assets 719.73b)
Interest Expense / Debt = 1.37% (Interest Expense 271.0m / Debt 19.83b)
Taxrate = 25.45% (308.0m / 1.21b)
NOPAT = 1.22b (EBIT 1.64b * (1 - 25.45%))
Current Ratio = 432.0 (out of range, set to none) (Total Current Assets 324.88b / Total Current Liabilities 752.0m)
Debt / Equity = 0.69 (Debt 19.83b / totalStockholderEquity, last quarter 28.94b)
Debt / EBITDA = -0.07 (Net Debt -401.0m / EBITDA 5.98b)
Debt / FCF = -0.03 (Net Debt -401.0m / FCF TTM 15.14b)
Total Stockholder Equity = 27.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 3.84b / Total Assets 719.73b)
RoE = 13.77% (Net Income TTM 3.84b / Total Stockholder Equity 27.89b)
RoCE = 3.46% (EBIT 1.64b / Capital Employed (Equity 27.89b + L.T.Debt 19.45b))
RoIC = 2.58% (NOPAT 1.22b / Invested Capital 47.31b)
WACC = 7.45% (E(49.92b)/V(69.76b) * Re(10.01%) + D(19.83b)/V(69.76b) * Rd(1.37%) * (1-Tc(0.25)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.26%
[DCF Debug] Terminal Value 72.12% ; FCFE base≈15.37b ; Y1≈15.98b ; Y5≈18.34b
Fair Price DCF = 352.0 (DCF Value 231.91b / Shares Outstanding 658.9m; 5y FCF grow 4.20% → 3.0% )
EPS Correlation: 36.24 | EPS CAGR: 2.38% | SUE: 0.74 | # QB: 0
Revenue Correlation: 0.87 | Revenue CAGR: -4.53% | SUE: -1.54 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.23 | Chg30d=-0.029 | Revisions Net=-3 | Analysts=10
EPS next Year (2026-12-31): EPS=10.01 | Chg30d=-0.104 | Revisions Net=-7 | Growth EPS=+15.1% | Growth Revenue=-2.6%
P/E Trailing = 14.1375
P/E Forward = 7.4794
P/S = 0.694
P/B = 1.7089
P/EG = 0.603
Beta = 0.752
Revenue TTM = 70.76b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 5.98b USD
Long Term Debt = 19.45b USD (from longTermDebt, last quarter)
Short Term Debt = 378.0m USD (from shortTermDebt, last quarter)
Debt = 19.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -401.0m USD (from netDebt column, last quarter)
Enterprise Value = -45.01b USD (49.92b + Debt 19.83b - CCE 114.77b)
Interest Coverage Ratio = 1.55 (Ebit TTM 1.64b / Interest Expense TTM 1.06b)
FCF Yield = -33.65% (FCF TTM 15.14b / Enterprise Value -45.01b)
FCF Margin = 21.40% (FCF TTM 15.14b / Revenue TTM 70.76b)
Net Margin = 5.43% (Net Income TTM 3.84b / Revenue TTM 70.76b)
Gross Margin = 24.11% ((Revenue TTM 70.76b - Cost of Revenue TTM 53.70b) / Revenue TTM)
Gross Margin QoQ = 17.40% (prev 26.43%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -45.01b / Total Assets 719.73b)
Interest Expense / Debt = 1.37% (Interest Expense 271.0m / Debt 19.83b)
Taxrate = 25.45% (308.0m / 1.21b)
NOPAT = 1.22b (EBIT 1.64b * (1 - 25.45%))
Current Ratio = 432.0 (out of range, set to none) (Total Current Assets 324.88b / Total Current Liabilities 752.0m)
Debt / Equity = 0.69 (Debt 19.83b / totalStockholderEquity, last quarter 28.94b)
Debt / EBITDA = -0.07 (Net Debt -401.0m / EBITDA 5.98b)
Debt / FCF = -0.03 (Net Debt -401.0m / FCF TTM 15.14b)
Total Stockholder Equity = 27.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 3.84b / Total Assets 719.73b)
RoE = 13.77% (Net Income TTM 3.84b / Total Stockholder Equity 27.89b)
RoCE = 3.46% (EBIT 1.64b / Capital Employed (Equity 27.89b + L.T.Debt 19.45b))
RoIC = 2.58% (NOPAT 1.22b / Invested Capital 47.31b)
WACC = 7.45% (E(49.92b)/V(69.76b) * Re(10.01%) + D(19.83b)/V(69.76b) * Rd(1.37%) * (1-Tc(0.25)))
Discount Rate = 10.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.26%
[DCF Debug] Terminal Value 72.12% ; FCFE base≈15.37b ; Y1≈15.98b ; Y5≈18.34b
Fair Price DCF = 352.0 (DCF Value 231.91b / Shares Outstanding 658.9m; 5y FCF grow 4.20% → 3.0% )
EPS Correlation: 36.24 | EPS CAGR: 2.38% | SUE: 0.74 | # QB: 0
Revenue Correlation: 0.87 | Revenue CAGR: -4.53% | SUE: -1.54 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.23 | Chg30d=-0.029 | Revisions Net=-3 | Analysts=10
EPS next Year (2026-12-31): EPS=10.01 | Chg30d=-0.104 | Revisions Net=-7 | Growth EPS=+15.1% | Growth Revenue=-2.6%
Additional Sources for MET Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle