MET
MetLife
$97.99
▼ 2.0%Updated Aug 7, 11:30 AM ET
MET at a glance — five pillars scored 0–100 from real filed financials.
Overall: 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.
▲ Up 8.9% over the last 12 months
Market Cap
$57.95B
P/E
17.44x
Forward P/E (est.)
20.57x
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
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.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some 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 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 $97.99, 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 (~2.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month MET found buyers near $81.85 (support) and sellers near $90.06 (resistance); its 52-week range is $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. It updates daily as the price and indicators change.
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.
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.
Total Debt
$18.88B
Net Debt
-$3.81B
Net cash position
Net Debt / EBITDA
-0.62x
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 $22.69B of cash.
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.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The 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.
P/E
17.44x
P/S
0.73x
P/B
2.05x
EV / EBITDA
—
MET trades at 17.4x trailing earnings (about 20.6x on estimated forward earnings), 0.7x sales, and 2.1x book value. That is a fairly typical valuation for a profitable company.
Where MET sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How MET stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), MET ranks #126 of 289 by our overall rating. It trades at roughly in line versus the sector on earnings (17.4x P/E vs. 15.8x 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
17.4x
median 15.8x
ROE vs sector
12.9%
median 13.6%
Growth vs sector
5.3%
median 15.9%
Sector rank
#126
of 289 by rating
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. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $97.99 today · expected CAGR -7% – 3%
| 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 | $5.47 | $5.75 | $6.04 | $6.34 | $6.65 |
| Share price (low) | $54.75 | $57.48 | $60.36 | $63.38 | $66.54 |
| Share price (high) | $93.07 | $97.72 | $102.61 | $107.74 | $113.13 |
| CAGR (low–high) | -44% / -5% | -23% / -0% | -15% / 2% | -10% / 2% | -7% / 3% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
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.
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.
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.
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 17.4x 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 (August 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.
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 grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — 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.