Stock Analysis
MetLife, Inc.MET
P/E 17.66×· 5Y range 7.04–27.92×· 61th percentile of history
Sector: Financial Services · Industry: Life Insurance
AnalystsStrong Buy24 analystsP/E 17.7× sits at the 61st percentile of its 5.086926762491444-year history.
Cash covers 7221% of debt · FY 2025.
PMP Verdict
Weak fundamentals
Risks
- Growth31
- Financial Health46
Weak fundamentals — valuation is the only support.
What's happening with MET
Profile
moat, growth, financial health and profitability lag behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (61th pct)5/25
- FCF yield (n/a)10/25
- P/S (0.8x)25/25
- EV/EBIT (7.3x)25/25
- Growth31/100 · Weak
- Revenue CAGR (2.0%)6/25
- Net income CAGR (-15.3%)0/25
- EPS CAGR 5Y (-11.1%)0/25
- Fwd implied growth (98.2%)25/25
- Profitability48/100 · Weak
- ROIC (133.6%)25/25
- ROE (12.8%)12/25
- Net margin (4.6%)6/25
- Operating margin (6.6%)5/25
- Financial Health46/100 · Weak
- Altman Z (0.27)3/25
- Current ratio (0.04)0/25
- Interest coverage (5.8x)18/25
- Net cash / debt (Net cash)25/25
- Quality55/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.35)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 5.4%)20/25
- Moat25/100 · Weak
- ROIC >12% years (6/10 yrs)13/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 1.3%)12/25
Risk Flags
- ⚠Altman Z 0.3 — distress-zone balance sheet
About MetLife, Inc.
MetLife is one of the largest life insurers in the US by assets and provides a variety of life insurance and annuity products. Show more
It is organized into six segments: group benefits, retirement and income solutions, Asia, Latin America, Europe/Middle East/Africa (EMEA), and MetLife Investment Managenent. Group Benefits and RIS are US-based, contributing to around 52% of the firm's 2025 adjusted earnings. The Asia segment contributes around 25% of earnings, mainly tied to Japan. The company also holds leading market positions in Mexico and Chile, with the Latin America segment contributing around 14% of 2024 earnings. The EMEA and investment management segments contributed around 6% and 3% of 2025 earnings, respectively.
Headquarters: NEW YORK, NY · Employees: 46,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
65BP/E (TTM)17.6xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 7.0x–27.9x · 61st pct
P/FCF4.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield24.7%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)0.80xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.6x–1.0x · 53rd pct
EV/EBIT7.3xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 1.9x–16.6x · 60th pct
EV/Sales0.8xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.24xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.52B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.66%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio46.4%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
48D+ROIC133.6%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.8%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA0.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin4.6%D
Grade D: LowNet Income / Revenue
Operating Margin6.6%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
31DRevenue CAGR2.0%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-15.3%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-11.1%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth98.2%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
46D+Altman Z-Score0.27D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.04xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.04xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage5.8xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.01xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt72.21xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
55CPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.35A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability5.4%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.11xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Mumenthaler Christian Stephane Filed | Mumenthaler Christian Stephane | Grant / award | +544 | |
Hay Laura J Filed | Hay Laura J | Grant / award | +544 | |
Seitz Michelle Filed | Seitz Michelle | Grant / award | +544 | |
WEINBERGER MARK A Filed | WEINBERGER MARK A | Grant / award | +544 | |
MCKENZIE DIANA Filed | MCKENZIE DIANA | Grant / award | +544 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Johnson Jeh C. Filed | Johnson Jeh C. | Grant / award | +544 | |
Harris Carla A Filed | Harris Carla A | Grant / award | +544 | |
Glaser Daniel S Filed | Glaser Daniel S | Grant / award | +544 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years6/10 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor1.3%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.71
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$20.03
Cash & short-term investments per share (Finnhub)
Book Value / Share$43.03
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$355.00M
Total debt obligations (short + long term)
Cash & Equiv.$25.63B
Cash and short-term investments
Net Debt$-25.28BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$28.40B
Shareholders' equity (book value)
Asset / Liability1.04xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$63.75B
Current Market Capitalization
Beta0.79B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: MetLife, Inc. (MET)
Piotroski F-Score of 6/9 indicates mixed fundamentals for MetLife, Inc.. Altman Z-Score of 0.27 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.35 suggests a low likelihood of earnings manipulation.
- The stock currently yields 2.7% in dividends.
See how MET ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all MET moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 12 | After-hours | 100.82 | +2.53% | 2.10 |
| Oct 8 | Regular | 98.19 | +2.52% | 2.55 |
| Oct 8 | After-hours | 98.47 | +2.81% | 2.84 |
| Oct 5 | Regular | 96.99 | +2.71% | 3.15 |
| Oct 5 | After-hours | 96.88 | +2.59% | 3.03 |
Frequently Asked Questions about MET
What is the current MetLife, Inc. (MET) stock price?
MET is trading at $100.76 at the last market close, up 0.49% on the session. PreMarketPrice tracks MET pre-market, intraday and after-hours prices.
Is MET stock a buy right now?
PreMarketPrice's quantitative model rates MetLife, Inc.'s financial health at 46/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is MET stock overvalued?
MetLife, Inc. trades at a trailing P/E of 17.6 and our valuation score rates it 65/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does MetLife, Inc. report earnings?
No confirmed earnings date is currently scheduled for MET. The Earnings section lists recent reports and updates as dates are announced.
What sector does MetLife, Inc. operate in?
MetLife, Inc. operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does MetLife, Inc. do?
MetLife is one of the largest life insurers in the US by assets and provides a variety of life insurance and annuity products.
About MetLife, Inc. (MET) Stock
MetLife, Inc. (MET) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. As of the latest update, MetLife, Inc. is trading at $100.76, up 0.49% on the day with a market capitalization of $63.8 billion. The financial health score for MET is 46/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for MET stock.
MET Stock Analysis & Key Metrics
On PreMarketPrice, you can track MetLife, Inc. (MET) across multiple dimensions:
- Pre-market price & movement: Real-time MET stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for MET with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for MetLife, Inc. across multiple reporting periods.
- Financial health score: A composite score of 46/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for MET.
- Sector peers: Compare MET against 6 other financial services stocks on key financial metrics.
Is MET a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate MetLife, Inc. (MET) as an investment. The financial health score of 46/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.MetLife, Inc. (MET) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.