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MET

S&P 500
Neutral · 42/100

MetLife

Financials
Life & Health Insurance

$87.56

2.3%

Updated Today 7:15 PM ET

Price — Past Year

▲ Up 8.9% over the last 12 months

Price 50-day average 200-day averageSource: Yahoo Finance · refreshed daily
Key Metrics

Market Cap

$55.07B

P/E

15.23x

Forward P/E (est.)

17.97x

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

Technical Analysis (Educational)
Research

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 $87.56, above its 50-day average ($80.58) and 200-day average ($78.16). 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 63 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 positive — short-term momentum is improving.

Volatility — ATR. Average True Range is the typical daily move. MET's is $1.91 (~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. Over the last month MET found buyers near $80.51 (support) and sellers near $89.62 (resistance); its 52-week range is $67.33–$89.62. A decisive break beyond either edge often marks the next move.

Volume. The latest session traded 1.5× the 20-day average — heavier than usual, which adds conviction to the move. 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.

Business Overview
Research

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 $55.07B.

In its latest reported year it generated about $2.44B 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.

Revenue Growth
Research

4Y CAGR

4.1%

Revenue moved from $2.07B in 2021 to $2.44B in 2025, a 4.1% 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
Research

Gross Margin

Operating Margin

251.9%

Net Margin

138.7%

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
Research

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.

Cash Flow Analysis
Research

Operating CF

$17.09B

Free Cash Flow

$17.09B

FCF Margin

701.6%

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.

Valuation Analysis
Research

P/E

15.23x

P/S

0.73x

P/B

1.79x

EV / EBITDA

MET trades at 15.2x trailing earnings (about 18.0x on estimated forward earnings), 0.7x sales, and 1.8x book value. That is a fairly typical valuation for a profitable company.

Metrics vs. Typical Range

Where this stock sits versus what most companies trade at.

TTM P/E
15.2xCheap
Forward P/E
18.0xFair
P/S ratio
0.7xCheap
Revenue growth
5.3%Average
EPS growth
-15.2%Weak
Gross margin
Net margin
4.7%Weak
ROE
12.9%Average

Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.

Sector Peer Comparison

How MET stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.

In the Financials sector (76 S&P 500 companies), MET ranks #71 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (15.2x P/E vs. 15.2x median) with a lower return on equity (12.9% vs. 15.3%) and slower revenue growth (5.3% vs. 9.1%).

P/E vs sector

15.2x

median 15.2x

ROE vs sector

12.9%

median 15.3%

Growth vs sector

5.3%

median 9.1%

Sector rank

#71

of 76 by rating

CompanyP/ERev Gr.Rating
METThis stock15.2x5.3%Neutral· 42
AFL12.7x7.2%Strong· 74
PRU10.7x3.9%Neutral· 50
PFG15.2x-1.8%Neutral· 56
GL11.1x4.0%Favorable· 65
AJG34x24.5%Neutral· 52
ALL4.7x4.4%Favorable· 63
TFC10.9x58.2%Strong· 75
Financials median15.2x9.1%65/100

Valuation vs. quality map

sector medianAFLPRUPFGGLAJGALLTFCMETP/E — cheaper ←→ pricierROE — more profitable ↑

The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.

Compare side by side

Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.

5-Year Projection Model

Project revenue → earnings → price. Edit the assumptions to build your own case.

2030 price target (Base Case)

$21.74$36.24

vs. $87.56 today · expected CAGR -24%-16%

Metric20262027202820292030
Revenue$2.56B$2.69B$2.82B$2.96B$3.11B
Net income$1.28B$1.34B$1.41B$1.48B$1.55B
EPS$1.99$2.09$2.19$2.30$2.42
Share price (low)$17.89$18.78$19.72$20.71$21.74
Share price (high)$29.81$31.30$32.87$34.51$36.24
CAGR (low–high)-80% / -66%-54% / -40%-39% / -28%-30% / -21%-24% / -16%

Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your 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
Research

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
Research

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 15.2x earnings, which our model scores Neutral (42/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.

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.