Metlife (MET) AI Stock Analysis

• Market Cap: $54.28B
• Dividend Yield: 2.73%
• Average Volume (3M): 3.38M
• Price to Earnings (P/E): 13.8
• Beta (1Y): 0.93
• Revenue Growth: 6.17%
• EPS Growth: 59.22%
• Country: US
• Employees: 45,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 2.02
• Shares Outstanding: 665,026,060
• 10 Day Avg. Volume: 4,633,857
• 30 Day Avg. Volume: 3,383,538
• PEG Ratio: 0.06
• Price to Book (P/B): 2.06
• Price to Sales (P/S): 0.80
• P/FCF Ratio: 3.73
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 1.03
• Enterprise Value/Gross Profit: 3.84
• Enterprise Value/Ebitda: 11.09
• 1Y Price Target: $93.69
• Price Target Upside: 14.79% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 15

• Rating: 73 Outperform
• Price Target: $90.00 ▲(10.27% Upside)

MetLife's overall stock score reflects a stable financial performance with efficient cash flow management and a positive technical outlook. The strong earnings call sentiment and strategic initiatives further bolster confidence in the company's future prospects. However, the decline in revenue growth and reliance on debt financing are notable risks. The valuation suggests the stock is fairly priced, providing a balanced risk-reward profile.

Positive Factors

Strong Sales Growth in Asia

The strong sales growth in Asia, driven by new product launches, enhances MetLife's market position and revenue potential in a key region, supporting long-term growth.

Effective Cost Management

Effective cost management indicates strong operational efficiency, which can lead to sustained profitability and competitive advantage over time.

Strategic Transactions

Strategic transactions expand MetLife's capabilities and market reach, potentially enhancing its competitive position and long-term growth prospects.

Negative Factors

Decline in Adjusted Earnings

A decline in adjusted earnings indicates potential challenges in maintaining profitability, which could impact long-term financial stability if not addressed.

Group Benefits Earnings Decrease

The decrease in Group Benefits earnings suggests issues in underwriting margins, which could affect the segment's future profitability and competitiveness.

Lower Variable Investment Income

Lower variable investment income reduces earnings visibility and could impact MetLife's ability to generate consistent investment returns, affecting financial performance.

Metlife Business Overview & Revenue Model

Company Description

MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, individual disability, pet insurance, accidental death and dismemberment, vision, and accident and health coverages, as well as prepaid legal plans; administrative services-only arrangements to employers; and general and separate account, and synthetic guaranteed interest contracts, as well as private floating rate funding agreements. It also provides pension risk transfers, institutional income annuities, structured settlements, and capital markets investment products; and other products and services, such as life insurance products and funding agreements for funding postretirement benefits, as well as company, bank, or trust-owned life insurance used to finance nonqualified benefit programs for executives. In addition, it provides fixed, indexed-linked, and variable annuities; and pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity reinsurance solutions; credit insurance products; and protection against long-term health care services. MetLife, Inc. was founded in 1863 and is headquartered in New York, New York.

How the Company Makes Money

MetLife generates revenue primarily through premiums collected from its insurance and annuity products. The company offers life insurance, health insurance, and retirement services, with premiums being a significant source of income. Additionally, MetLife earns investment income from the assets it holds, which include bonds, stocks, and real estate, as it invests the premiums received. Another revenue stream comes from fees for asset management services, particularly within its retirement and employee benefit segments. MetLife also engages in partnerships with employers to provide group insurance products, enhancing its distribution channels and customer reach. Key factors contributing to its earnings include its strong brand presence, diversified product offerings, and strategic acquisitions that expand its market footprint.

Metlife Financial Statement Overview

Summary

MetLife demonstrates a stable financial foundation with consistent profitability and efficient cash flow management. However, the significant decline in revenue growth and reliance on debt financing pose potential risks. The company should focus on reversing the negative revenue trend and enhancing equity levels to strengthen its financial position further.

Income Statement

MetLife's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 44.5%, which is concerning. However, the company maintains a stable gross profit margin of approximately 27% and a net profit margin of around 5.95%. The EBIT and EBITDA margins are consistent, reflecting operational efficiency. Despite the revenue decline, the company remains profitable, but the negative growth trajectory is a risk factor.

Balance Sheet

The balance sheet reflects a moderate financial position with a debt-to-equity ratio of 0.72, indicating manageable leverage. The return on equity is strong at 15.11%, showcasing effective use of shareholder funds. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing. Overall, the balance sheet is stable but could benefit from improved equity levels.

Cash Flow

Cash flow analysis reveals a robust operating cash flow to net income ratio of 16.88, indicating strong cash generation relative to net income. The free cash flow to net income ratio is 1.0, showing that the company effectively converts its earnings into cash. However, the free cash flow growth rate is negative at -7.64%, which could impact future liquidity. Despite this, the cash flow position remains solid.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	73.01B	70.98B	66.90B	68.76B	63.33B	67.89B
Gross Profit	19.47B	70.98B	15.99B	18.79B	16.80B	15.47B
EBITDA	6.75B	7.37B	3.92B	7.97B	10.13B	8.46B
Net Income	4.29B	4.43B	1.58B	5.28B	6.86B	5.41B
Balance Sheet
Total Assets	702.47B	677.46B	687.58B	663.07B	759.71B	795.15B
Cash, Cash Equivalents and Short-Term Investments	112.69B	100.57B	302.05B	301.91B	367.50B	378.51B
Total Debt	19.91B	18.71B	18.83B	17.98B	17.43B	18.15B
Total Liabilities	674.54B	649.75B	657.33B	632.95B	691.96B	720.33B
Stockholders Equity	27.68B	27.45B	30.02B	29.88B	67.48B	74.56B
Cash Flow
Free Cash Flow	15.75B	15.12B	14.26B	11.37B	12.83B	11.51B
Operating Cash Flow	15.75B	15.12B	14.26B	11.37B	12.83B	11.51B
Investing Cash Flow	-13.83B	-11.49B	-10.25B	-2.62B	-11.19B	-18.57B
Financing Cash Flow	4.00M	-3.13B	-2.94B	-9.95B	-1.38B	10.73B

Metlife Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 81.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MET, the sentiment is Positive. The current price of 81.62 is above the 20-day moving average (MA) of 80.15, above the 50-day MA of 78.44, and above the 200-day MA of 78.89, indicating a bullish trend. The MACD of 0.48 indicates Negative momentum. The RSI at 59.87 is Neutral, neither overbought nor oversold. The STOCH value of 76.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MET.

Metlife Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GL	77 Outperform	$11.71B	11.55	19.66%	0.71%	4.02%	13.01%
UNM	73 Outperform	$13.33B	9.37	13.42%	2.20%	1.69%	22.65%
MET	73 Outperform	$54.28B	13.83	15.61%	2.73%	6.17%	59.22%
AFL	71 Outperform	$59.56B	25.18	8.96%	2.01%	-17.57%	-53.18%
LNC	71 Outperform	$7.71B	7.10	39.61%	4.43%	11.33%	-38.17%
PRU	69 Neutral	$36.75B	23.10	5.33%	5.12%	-1.80%	-42.18%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Metlife Corporate Events

MetLife Advises Against Potemkin’s Mini-Tender Offer

On September 15, 2025, MetLife, Inc. announced that it received an unsolicited mini-tender offer from Potemkin Limited to purchase up to 10,000 shares of its common stock at a price significantly below the market value. MetLife does not endorse this offer and advises shareholders against tendering their shares, as the offer price is 34.42% lower than the market price on September 12, 2025. The company highlights that mini-tender offers like Potemkin’s avoid many disclosure requirements and do not provide the same investor protections as larger offers. Shareholders who have already tendered their shares can withdraw them before the offer expires on October 7, 2025.

The most recent analyst rating on (MET) stock is a Buy with a $89.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Announces Redemption of Preferred Stock Series G

On September 2, 2025, MetLife announced its decision to redeem all outstanding shares of its 3.850% fixed rate reset non-cumulative preferred stock, Series G, with a liquidation preference of $1,000 per share. The redemption will occur on September 15, 2025, and will not include accrued dividends, which will be paid separately. This strategic move may impact MetLife’s financial operations and stakeholder interests by altering its capital structure.

The most recent analyst rating on (MET) stock is a Buy with a $90.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.