MET MetLife
$101.37
▲ 1.1%Updated Oct 16, 2:25 PM ET
Report Card
MET at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Neutral · 42/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▲ Up 8.9% in the year to Jul 6, 2026
Key Metrics
Market Cap
$57.95B
P/E
18.04x
Forward P/E (est.)
21.28x
ROE
12.9%
Revenue Growth
5.3%
EPS Growth
-15.2%
Profit Margin
4.7%
FCF Yield
—
Debt / Equity
0.67x
ROIC
10.0%
Interest Coverage
3.96x
Current Ratio
—
Dividend Yield
2.7%
Implied Growth (rev. DCF)
—
Rating Score
42/100
Business Overview
MetLife (MET) is a large-cap company in the Life & Health Insurance industry, part of the Financials sector of the S&P 500, with a market value around $57.95B.
In its latest reported year it generated about $77.08B in revenue and $3.38B in net profit.
Our model rates MET Neutral (42/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Economic Moat
Evidence of durable competitive advantage in the filed financials (10 years of history).
Profit margins and economic moats, explainedSome durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
grew in 7 of the last 9 year-over-year periods
positive in 10 of 10 years
10.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what MET's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. MET trades near $101.37, above its 50-day average ($82.62) and 200-day average ($78.47). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 57 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. MET's is $2.25 (~2.2% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, MET found buyers near $81.85 (support) and sellers near $90.06 (resistance); its 52-week range then was $67.33–$90.06. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.8× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
4Y CAGR
2.9%
Revenue moved from $60.79B in 2016 to $77.08B in 2025, a 2.7% compound annual growth rate. The most recent year grew a steady 5.3% year over year. Slower, mature growth is common for established businesses.
Profitability
Gross Margin
—
Operating Margin
8.0%
Net Margin
4.4%
ROE
12.9%
MetLife keeps about 4.7% of each sales dollar as net profit. Return on equity is 12.9% and return on invested capital about 10.0%. Thin margins leave less cushion if costs rise.
Debt Analysis
Total Debt
$18.88B
Net Debt
-$422.00M
Net cash position
Net Debt / EBITDA
-0.07x
Debt / Equity
0.67x
Leverage: debt-to-equity is 0.7x, and operating profit covers interest about 4.0x. That is a moderate, manageable debt load for most businesses. It carries roughly $18.88B of total debt against $19.30B of cash.
Cash Flow Analysis
Operating CF
$17.09B
Free Cash Flow
$17.09B
FCF Margin
22.2%
In the latest year MetLife produced about $17.09B of operating cash flow and $17.09B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
2.7%
Per share (latest FY)
$2.25
Total paid (latest FY)
$1.51B
History on record
10 years
dividend uses 9% of free cash flow
45% of net income paid out
no current raise streak
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
18.04x
P/S
0.73x
P/B
2.12x
EV / EBITDA
—
MET trades at 18.0x trailing earnings (about 21.3x on estimated forward earnings), 0.7x sales, and 2.1x book value. That is a fairly typical valuation for a profitable company.
Metrics vs. Sector Range
Where MET sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How MET stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, MET ranks #127 by our overall rating. It trades at a premium versus the sector on earnings (18x P/E vs. 14.9x median) with a lower return on equity (12.9% vs. 13.6%) and slower revenue growth (5.3% vs. 15.9%).
P/E vs sector
18x
median 14.9x
ROE vs sector
12.9%
median 13.6%
Growth vs sector
5.3%
median 15.9%
Sector rank
#127
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$75.72 – $123.91
vs. $101.37 today · implied CAGR -6% – 4%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $80.94B | $84.99B | $89.23B | $93.70B | $98.38B |
| Net income | $3.24B | $3.40B | $3.57B | $3.75B | $3.94B |
| EPS | $5.66 | $5.95 | $6.24 | $6.56 | $6.88 |
| Share price (low) | $62.30 | $65.41 | $68.68 | $72.12 | $75.72 |
| Share price (high) | $101.94 | $107.04 | $112.39 | $118.01 | $123.91 |
| CAGR (low–high) | -39% / 1% | -20% / 3% | -12% / 4% | -8% / 4% | -6% / 4% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions.
Bull Case
The case for MET:
- Pays a 2.7% dividend on top of any price gains.
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
Bear Case
The case against MET:
- Thin net margins (4.7%) leave little room for error.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Margin risk — thin profitability (4.7%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the picture is mixed: MetLife is a large-cap financials business growing at a mature pace, with modest profitability, and a sound balance sheet. It trades at 18.0x earnings, which our model scores Neutral (42/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 24 Wall Street analysts covering MET recommend (September 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
MET's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
MET — frequently asked questions
Is MET a good stock to buy?
We don't give buy or sell advice. Our model rates MetLife Neutral (42/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is MET's rating on The Stocks School?
MetLife currently scores 42/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does MET's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from MetLife's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for MET calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this MET analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell MET. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.