Metlife (MET) AI Stock Analysis

• Market Cap: $50.25B
• Dividend Yield: 2.95%
• Average Volume (3M): 3.48M
• Price to Earnings (P/E): 14.4
• Beta (1Y): 0.91
• Revenue Growth: 0.82%
• EPS Growth: 7.18%
• Country: US
• Employees: 45,000
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 2.34
• Shares Outstanding: 658,891,660
• 10 Day Avg. Volume: 2,804,690
• 30 Day Avg. Volume: 3,484,117
• PEG Ratio: 0.06
• Price to Book (P/B): 2.06
• Price to Sales (P/S): 0.81
• P/FCF Ratio: 3.73
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 1.07
• Enterprise Value/Gross Profit: 4.43
• Enterprise Value/Ebitda: 12.64
• 1Y Price Target: $92.80
• Price Target Upside: 21.67% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $86.00 ▲(12.76% Upside)

MetLife's overall stock score reflects a stable financial foundation and strong earnings growth, particularly in the PRT and Asia segments. While technical indicators are mixed and valuation is fair, the company's efficient expense management and strategic initiatives support a positive outlook. However, challenges in revenue growth and profitability need to be addressed to sustain long-term performance.

Positive Factors

Earnings Growth

The significant increase in earnings per share reflects strong operational performance and effective cost management, indicating robust business fundamentals.

Pension Risk Transfer (PRT) Transactions

Record PRT transactions highlight MetLife's strong market position in pension risk management, enhancing long-term revenue streams and competitive advantage.

Asia Market Growth

Strong growth in Asia underscores MetLife's successful expansion strategy in high-growth markets, supporting sustained revenue and earnings growth.

Negative Factors

Revenue Growth Challenges

Declining revenue growth poses a challenge to sustaining long-term performance, necessitating strategic initiatives to boost top-line growth.

Profitability Decline

A decline in profit margins indicates pressure on profitability, which could affect cash generation and investment capacity if not addressed.

Impact of Mexican Tax Law

The Mexican tax law change introduces additional costs, impacting earnings and requiring adjustments to maintain profitability in affected regions.

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 a strong balance sheet and consistent cash flow generation. However, the company faces challenges in revenue and profit growth, as indicated by declining margins and negative growth rates in the TTM period. While the debt levels are manageable, careful attention is needed to sustain profitability and improve growth trajectories in the competitive insurance industry.

Income Statement

Metlife's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate by 1.96%, and a decrease in net profit margin to 5.39% from 6.33% in the previous year. The gross profit margin also decreased to 19.83% from 27.17%. However, the company maintains a reasonable EBIT margin of 8.40%. Overall, the company faces challenges in revenue growth and profitability, but maintains stable operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio of 0.70 in the TTM period. The return on equity is 13.77%, indicating effective use of equity to generate profits. The equity ratio stands at a healthy level, suggesting a solid capital structure. However, the slight increase in debt levels over the years could pose a risk if not managed carefully.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 3.82% in the TTM period, indicating potential challenges in cash generation. The operating cash flow to net income ratio is not available for the TTM, but the free cash flow to net income ratio remains strong at 1.0, suggesting that the company generates sufficient cash relative to its net income. Overall, cash flow management appears stable, but growth concerns persist.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	70.76B	69.94B	67.71B	67.97B	63.37B	67.89B
Gross Profit	17.06B	19.00B	17.29B	18.94B	16.84B	15.47B
EBITDA	5.98B	7.37B	3.92B	7.97B	10.13B	8.46B
Net Income	3.84B	4.43B	1.58B	5.28B	6.86B	5.41B
Balance Sheet
Total Assets	719.73B	677.46B	687.58B	663.07B	759.71B	795.15B
Cash, Cash Equivalents and Short-Term Investments	114.77B	100.57B	302.05B	301.91B	367.50B	378.51B
Total Debt	19.83B	18.71B	18.83B	17.98B	17.43B	18.15B
Total Liabilities	690.53B	649.75B	657.33B	632.95B	691.96B	720.33B
Stockholders Equity	28.94B	27.45B	30.02B	29.88B	67.48B	74.56B
Cash Flow
Free Cash Flow	15.14B	15.12B	14.26B	11.37B	12.83B	11.51B
Operating Cash Flow	15.14B	15.12B	14.26B	11.37B	12.83B	11.51B
Investing Cash Flow	-16.68B	-11.49B	-10.25B	-2.62B	-11.19B	-18.57B
Financing Cash Flow	642.00M	-3.13B	-2.94B	-9.95B	-1.38B	10.73B

Metlife Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 76.27
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 76.27 is below the 20-day moving average (MA) of 76.73, below the 50-day MA of 78.56, and below the 200-day MA of 77.70, indicating a bearish trend. The MACD of -0.71 indicates Negative momentum. The RSI at 46.10 is Neutral, neither overbought nor oversold. The STOCH value of 69.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MET.

Metlife Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AFL	77 Outperform	$57.04B	14.19	15.58%	2.06%	2.31%	15.46%
PRU	76 Outperform	$37.88B	14.83	8.36%	4.99%	-19.35%	-35.23%
UNM	72 Outperform	$12.58B	14.65	8.35%	2.37%	1.80%	-44.44%
GL	71 Outperform	$10.44B	9.50	22.28%	0.79%	3.73%	17.47%
LNC	70 Outperform	$7.78B	3.68	21.66%	4.39%	35.76%	636.97%
MET	69 Neutral	$50.25B	14.36	12.84%	2.95%	0.82%	7.18%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Metlife Corporate Events

MetLife Reports Strong Q3 2025 Earnings Growth

MetLife, Inc. is a leading global financial services company, providing insurance, annuities, employee benefits, and asset management services, with operations in over 40 markets worldwide. In its third quarter of 2025 earnings report, MetLife showcased robust financial performance, driven by strong variable investment income and strategic growth initiatives. The company reported a 21% increase in adjusted earnings per share, excluding notable items, highlighting the effectiveness of its diversified business model and disciplined execution of its New Frontier strategy.

MetLife’s Earnings Call Highlights Strong Growth and Strategic Focus

MetLife’s recent earnings call conveyed a generally positive sentiment, highlighting significant growth in earnings and strong performances in key segments like PRT and Asia. Despite facing challenges such as the impact of the Mexican tax law change and reduced earnings from reinsurance transactions, the positive aspects of the results were predominant.

MetLife Reports Strong Q3 2025 Financial Results

MetLife, Inc. announced its third-quarter 2025 financial results, reporting a net income of $818 million, or $1.22 per share, and adjusted earnings of $1.6 billion, marking a 15% increase from the previous year. The company experienced growth in variable investment income and volume, with adjusted earnings per share rising 21% to $2.34. MetLife also reported a 16% increase in net investment income and returned $875 million to shareholders through share repurchases and dividends. The company secured $12 billion in pension risk transfer mandates and expanded its operations in Asia and Latin America, reflecting strategic growth initiatives.

The most recent analyst rating on (MET) stock is a Buy with a $86.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Eliminates Series G Preferred Stock

On October 14, 2025, MetLife, Inc. filed a Certificate of Elimination with the Delaware Secretary of State to eliminate its 3.850% Fixed Rate Reset Non-Cumulative Preferred Stock, Series G, which had been previously redeemed or reacquired. This action returned the shares to the status of authorized but unissued preferred stock, impacting the company’s capital structure by removing the specific designation of the Series G shares.

The most recent analyst rating on (MET) stock is a Buy with a $104.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Announces Preliminary Q3 2025 Investment Income

MetLife, Inc. has disclosed preliminary information regarding its variable investment income for the quarter ended September 30, 2025, ahead of its official earnings release scheduled for November 5, 2025. The company estimates that it will meet its quarterly target of $425 million in variable investment income, which includes private equity, real estate, and other funds, as well as prepayment fees. However, these results are unaudited and subject to change, and stakeholders are advised to exercise caution as the actual results could differ materially from these preliminary figures.

The most recent analyst rating on (MET) stock is a Hold with a $84.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

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.