(MET) MetLife - Ratings and Ratios
Insurance, Annuities, Employee Benefits, Asset Management
MET EPS (Earnings per Share)
MET Revenue
Description: MET MetLife
MetLife, Inc. (NYSE: MET) is a global financial-services firm that markets life insurance, annuities, employee-benefit solutions, 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.
The company’s product suite spans traditional life and disability policies, dental, vision, pet and legal-services plans, as well as group short- and long-term disability, paid family leave, and accident-and-health coverage. It also delivers pension-risk transfers, institutional income annuities, structured settlements, and a range of capital-markets investment vehicles, including synthetic guaranteed-interest contracts and private floating-rate funding agreements.
According to MetLife’s 2023 annual report, the firm generated $71.2 billion in total revenue, with a net income of $4.6 billion and a return on equity (ROE) of roughly 12.5 %. Its combined ratio in the Group Benefits segment hovered near 94 %, indicating underwriting profitability, while the life-insurance segment posted a 5-year average embedded value growth rate of 6 %-both metrics that are above the industry median.
Key drivers for MetLife’s outlook include the prolonged low-interest-rate environment, which compresses investment yields on fixed-income assets, and demographic aging in mature markets that boosts demand for retirement-income and longevity products. Additionally, regulatory shifts-such as the U.S. “Solvency II-like” capital standards-are expected to influence capital allocation and product pricing across the life-and-health insurance sector.
For a deeper, data-driven comparison of MetLife’s valuation and risk profile, the ValueRay platform provides a transparent dashboard of the most relevant metrics.
MET Stock Overview
| Market Cap in USD | 54,519m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2000-04-05 |
MET Stock Ratings
| Growth Rating | 24.6% |
| Fundamental | 52.7% |
| Dividend Rating | 47.3% |
| Return 12m vs S&P 500 | -13.4% |
| Analyst Rating | 4.19 of 5 |
MET Dividends
| Dividend Yield 12m | 2.70% |
| Yield on Cost 5y | 6.69% |
| Annual Growth 5y | 4.50% |
| Payout Consistency | 34.0% |
| Payout Ratio | 28.2% |
MET Growth Ratios
| Growth Correlation 3m | 81.8% |
| Growth Correlation 12m | -35.8% |
| Growth Correlation 5y | 84.8% |
| CAGR 5y | 10.62% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.30 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.09 |
| Sharpe Ratio 12m | 0.86 |
| Alpha | -13.01 |
| Beta | 0.849 |
| Volatility | 25.53% |
| Current Volume | 2652k |
| Average Volume 20d | 2927.8k |
| Stop Loss | 80.4 (-3%) |
| Signal | 1.09 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (4.29b TTM) > 0 and > 6% of Revenue (6% = 4.38b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 438.3% (prev 407.7%; Δ 30.53pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 15.75b > Net Income 4.29b (YES >=105%, WARN >=100%) |
| Net Debt (-2.27b) to EBITDA (6.75b) ratio: -0.34 <= 3.0 (WARN <= 3.5) |
| Current Ratio 344.0 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (675.0m) change vs 12m ago -5.55% (target <= -2.0% for YES) |
| Gross Margin 27.95% (prev 22.10%; Δ 5.85pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.60% (prev 10.18%; Δ 0.42pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.73 (EBITDA TTM 6.75b / Interest Expense TTM 1.04b) >= 6 (WARN >= 3) |
Altman Z'' 3.26
| (A) 0.46 = (Total Current Assets 320.92b - Total Current Liabilities 933.0m) / Total Assets 702.47b |
| (B) 0.06 = Retained Earnings (Balance) 43.45b / Total Assets 702.47b |
| (C) 0.01 = EBIT TTM 3.89b / Avg Total Assets 689.11b |
| (D) 0.03 = Book Value of Equity 23.60b / Total Liabilities 674.54b |
| Total Rating: 3.26 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 52.68
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -41.16% = -5.0 |
| 3. FCF Margin 21.57% = 5.39 |
| 4. Debt/Equity 0.72 = 2.25 |
| 5. Debt/Ebitda -0.34 = 2.50 |
| 6. ROIC - WACC (= -0.83)% = -1.04 |
| 7. RoE 15.11% = 1.26 |
| 8. Rev. Trend 5.63% = 0.42 |
| 9. EPS Trend -32.21% = -1.61 |
What is the price of MET shares?
Over the past week, the price has changed by +0.17%, over one month by +3.02%, over three months by +7.22% and over the past year by -0.69%.
Is MetLife a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MET is around 82.87 USD . This means that MET is currently overvalued and has a potential downside of -0.02%.
Is MET a buy, sell or hold?
- 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 | 93 | 12.2% |
| Analysts Target Price | 93 | 12.2% |
| ValueRay Target Price | 91.1 | 9.9% |
Last update: 2025-10-11 03:52
MET Fundamental Data Overview
P/E Trailing = 13.9185
P/E Forward = 8.2305
P/S = 0.7467
P/B = 1.9536
P/EG = 0.8487
Beta = 0.849
Revenue TTM = 73.01b USD
EBIT TTM = 3.89b USD
EBITDA TTM = 6.75b USD
Long Term Debt = 19.53b USD (from longTermDebt, last quarter)
Short Term Debt = 379.0m USD (from shortTermDebt, last quarter)
Debt = 19.91b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.27b USD (from netDebt column, last quarter)
Enterprise Value = -38.26b USD (54.52b + Debt 19.91b - CCE 112.69b)
Interest Coverage Ratio = 3.73 (Ebit TTM 3.89b / Interest Expense TTM 1.04b)
FCF Yield = -41.16% (FCF TTM 15.75b / Enterprise Value -38.26b)
FCF Margin = 21.57% (FCF TTM 15.75b / Revenue TTM 73.01b)
Net Margin = 5.87% (Net Income TTM 4.29b / Revenue TTM 73.01b)
Gross Margin = 27.95% ((Revenue TTM 73.01b - Cost of Revenue TTM 52.60b) / Revenue TTM)
Gross Margin QoQ = 27.13% (prev 27.07%)
Tobins Q-Ratio = -0.05 (set to none) (Enterprise Value -38.26b / Total Assets 702.47b)
Interest Expense / Debt = 1.35% (Interest Expense 269.0m / Debt 19.91b)
Taxrate = 25.0% (245.0m / 980.0m)
NOPAT = 2.92b (EBIT 3.89b * (1 - 25.00%))
Current Ratio = 344.0 (out of range, set to none) (Total Current Assets 320.92b / Total Current Liabilities 933.0m)
Debt / Equity = 0.72 (Debt 19.91b / totalStockholderEquity, last quarter 27.68b)
Debt / EBITDA = -0.34 (Net Debt -2.27b / EBITDA 6.75b)
Debt / FCF = -0.14 (Net Debt -2.27b / FCF TTM 15.75b)
Total Stockholder Equity = 28.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 4.29b / Total Assets 702.47b)
RoE = 15.11% (Net Income TTM 4.29b / Total Stockholder Equity 28.38b)
RoCE = 8.12% (EBIT 3.89b / Capital Employed (Equity 28.38b + L.T.Debt 19.53b))
RoIC = 6.14% (NOPAT 2.92b / Invested Capital 47.55b)
WACC = 6.97% (E(54.52b)/V(74.42b) * Re(9.14%) + D(19.91b)/V(74.42b) * Rd(1.35%) * (1-Tc(0.25)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.84%
[DCF Debug] Terminal Value 75.49% ; FCFE base≈15.45b ; Y1≈16.56b ; Y5≈20.18b
Fair Price DCF = 435.5 (DCF Value 289.62b / Shares Outstanding 665.0m; 5y FCF grow 8.03% → 3.0% )
EPS Correlation: -32.21 | EPS CAGR: -54.97% | SUE: -4.0 | # QB: 0
Revenue Correlation: 5.63 | Revenue CAGR: -8.70% | SUE: -0.72 | # QB: 0
Additional Sources for MET Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle