Metlife (MET) AI Stock Analysis

• Market Cap: $54.14B
• Dividend Yield: 2.83%
• Average Volume (3M): 2.78M
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.87
• Revenue Growth: 8.77%
• EPS Growth: 110.90%
• Country: US
• Employees: 45,000
• Sector: Financial
• Sector Strength: 82
• Industry: Insurance - Life
• EPS (TTM): 1.96
• Shares Outstanding: 671,297,850
• 10 Day Avg. Volume: 3,330,862
• 30 Day Avg. Volume: 2,783,031
• PEG Ratio: 3.99
• Price to Book (P/B): 1.97
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.22
• Enterprise Value/Market Cap: 0.87
• Enterprise Value/Revenue: 0.17
• Enterprise Value/Gross Profit: 2.47
• Enterprise Value/Ebitda: 2.53
• 1Y Price Target: $94.55
• Price Target Upside: 17.23% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 12

• Rating: 79 Outperform
• Price Target: $93.00 ▲(15.31%Upside)

Metlife's overall stock score is driven by strong financial performance, supported by robust cash flow and profitability. Technical indicators and valuation metrics further enhance the company's investment appeal. The positive sentiment from the latest earnings call, marked by strategic growth and shareholder returns, contributes significantly to the high score.

Positive Factors

Capital Management

Robust repurchases of $1.4 billion exceeded estimates, showing strong capital management.

Investment Income

Higher private equity returns led to an outperformance in net investment income, which exceeded forecasts.

Reinsurance Transaction

The transaction to reinsure $10 billion of US retail variable annuity and rider reserves is viewed positively by investors.

Negative Factors

Earnings Performance

The adjusted EPS of $2.09 for 4Q24 missed the forecast, with underperformance in Group Benefits, Retirement and Income Solutions, and Latin America.

FX Impacts

The international earnings growth outlook was weaker than expected, primarily due to FX impacts in Asia and LatAm.

Investment Sensitivity

MET has a higher sensitivity to 'variable' private equity/real estate investment returns compared to peers, which could impact EPS with changes in VII returns.

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 makes money primarily through the sale of insurance policies and financial products. Its revenue streams include premiums from policyholders for life, disability, dental, and other insurance products, as well as income from investments made with the collected premiums. The company also earns fees from managing retirement plans and providing employee benefit programs. MetLife's earnings are bolstered by its global presence, enabling it to leverage diverse markets. Key partnerships with corporations and financial institutions help expand its distribution and reach, further contributing to its revenue.

Metlife Financial Statement Overview

Summary

MetLife's financial statements collectively portray strong profitability, stable financial health, and excellent cash flow generation. The income statement highlights efficient revenue management and moderate growth, while the balance sheet indicates prudent leverage and strong returns on equity. The cash flow analysis underscores robust cash generation, supporting operational and strategic goals. Minor concerns include declining EBITDA margins and stockholders' equity.

Income Statement

Metlife's TTM (Trailing-Twelve-Months) financial performance shows strong gross profit and net income, with a gross profit margin of 100% due to revenue equaling gross profit. The net profit margin is a healthy 6.15%, indicating efficient management of expenses relative to revenue. Revenue growth from the previous year is 4.74%, showing positive momentum in revenue generation. The EBIT margin is 6.95%, but a declining trend in EBITDA margin from the previous annual report suggests potential cost pressures. Overall, the income statement reflects solid profitability and moderate growth.

Balance Sheet

The balance sheet demonstrates a robust equity position, with a debt-to-equity ratio of 0.55, indicating moderate leverage. Return on equity (ROE) is 16.39%, reflecting strong profitability relative to shareholder investments. The equity ratio stands at 4.00%, highlighting a substantial asset base supported by equity. However, the decrease in stockholders' equity over the past few years may signal potential challenges in maintaining equity levels. Overall, the balance sheet indicates financial stability with manageable leverage.

Cash Flow

Cash flow analysis reveals significant strengths, with a free cash flow growth rate of 13.25% from the previous year, indicating strong cash generation capabilities. The operating cash flow to net income ratio is 3.79, suggesting robust cash flow efficiency. The free cash flow to net income ratio is 3.67, further emphasizing the company's ability to convert earnings into cash. These metrics reflect strong cash flow management and capacity to fund operations and growth initiatives.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	72.40B	69.90B	66.41B	67.82B	63.65B	67.84B
Gross Profit	19.00B	18.96B	15.99B	67.82B	63.65B	67.84B
EBITDA	6.96B	7.37B	3.92B	7.97B	9.74B	8.46B
Net Income	4.50B	4.43B	1.58B	5.28B	6.86B	5.41B
Balance Sheet
Total Assets	688.32B	677.46B	687.58B	663.07B	759.71B	795.15B
Cash, Cash Equivalents and Short-Term Investments	313.06B	100.57B	302.05B	301.91B	367.50B	378.51B
Total Debt	15.08B	18.71B	18.83B	17.98B	17.43B	18.15B
Total Liabilities	660.56B	649.75B	657.33B	632.95B	691.96B	720.33B
Stockholders Equity	27.49B	27.45B	30.02B	29.88B	67.48B	74.56B
Cash Flow
Free Cash Flow	16.53B	14.60B	13.72B	13.04B	12.35B	11.64B
Operating Cash Flow	17.05B	14.60B	13.72B	13.04B	12.35B	11.64B
Investing Cash Flow	-12.19B	-11.49B	-10.25B	-2.62B	-11.19B	-18.57B
Financing Cash Flow	-2.65B	-3.13B	-2.94B	-9.95B	-1.38B	10.73B

Metlife Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 80.65
• 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 80.65 is above the 20-day moving average (MA) of 79.39, above the 50-day MA of 78.47, and above the 200-day MA of 80.31, indicating a bullish trend. The MACD of 0.58 indicates Negative momentum. The RSI at 57.97 is Neutral, neither overbought nor oversold. The STOCH value of 73.01 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
MET	79 Outperform	$54.14B	13.13	16.08%	2.83%	8.77%	110.90%
PUK	77 Outperform	$31.79B	14.70	12.82%	2.63%	-14.78%	34.80%
UNM	75 Outperform	$14.17B	9.58	14.68%	2.07%	1.69%	25.54%
GL	74 Outperform	$10.00B	9.86	20.47%	0.90%	5.41%	16.60%
PRU	70 Neutral	$38.61B	17.26	8.04%	4.97%	2.47%	6.88%
AFL	69 Neutral	$56.54B	16.32	14.41%	2.24%	-12.66%	-29.30%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%

Metlife Corporate Events

MetLife Announces $10 Billion Reinsurance Deal with Chariot

On July 1, 2025, MetLife, Inc. announced a significant agreement with Chariot Reinsurance, Ltd. to reinsure approximately $10 billion of structured settlement annuity contracts and group annuity contracts related to pension risk transfers. This strategic move is part of MetLife’s New Frontier strategy to enhance its diversified retirement platform and asset management business. The transaction marks the launch of Chariot Re, co-sponsored by MetLife and General Atlantic, with backing from Chubb and other investors. Chariot Re aims to reshape the life and annuity reinsurance market with its unique platform and experienced leadership team, led by CEO Cynthia Smith. The partnership is expected to drive growth and deliver innovative reinsurance solutions globally, while MetLife maintains its commitment to policyholders.

The most recent analyst rating on (MET) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Releases Preliminary Q2 2025 Investment Income Estimates

MetLife, Inc. disclosed preliminary estimates of its variable investment income for the quarter ended June 30, 2025, ranging between $175 million and $225 million pre-tax. These figures, which include income from private equity, real estate, and other funds, are unaudited and subject to change as the company has not completed its financial closing procedures. Stakeholders are advised to be cautious in relying on these preliminary results, as they are not indicative of future performance and may differ from the final audited figures.

The most recent analyst rating on (MET) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Shareholders Elect Directors and Ratify Auditor

At MetLife, Inc.’s annual meeting of common shareholders on June 17, 2025, shareholders elected eleven directors for terms expiring at the 2026 meeting, ratified Deloitte & Touche LLP as the independent auditor for 2025, and approved executive compensation on an advisory basis. These decisions reflect shareholder support for the company’s leadership and financial oversight, potentially impacting its governance and operational strategies moving forward.

The most recent analyst rating on (MET) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Enters Note Purchase Agreement for Senior Notes

On June 17, 2025, MetLife, Inc. entered into a Note Purchase Agreement for the private placement of ¥87,840,000,000 in yen-denominated senior notes with varying interest rates and maturities. The proceeds from the sale are intended for refinancing existing debt and general corporate purposes, reflecting MetLife’s strategic financial management and positioning within the industry.

The most recent analyst rating on (MET) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Announces Quarterly Dividends for Preferred Stock

On May 15, 2025, MetLife, Inc. announced the declaration of quarterly dividends for its preferred stock series. These dividends, payable on June 16, 2025, include $0.35141735 per share for Series A, $351.5625 per share for Series E, and $296.875 per share for Series F, reflecting MetLife’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (MET) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Metlife stock, see the MET Stock Forecast page.

MetLife Reports Strong Q1 2025 Financial Results

On April 30, 2025, MetLife, Inc. announced its financial results for the first quarter of 2025, reporting a 10% increase in net income to $879 million and a 14% rise in premiums, fees, and other revenues to $13.6 billion. The company also authorized a new $3.0 billion share repurchase program and entered into a reinsurance agreement with Talcott Financial Group. The results reflect strong performance across various segments, including a 29% increase in Group Benefits adjusted earnings and significant sales growth in Asia and Latin America. These developments underscore MetLife’s robust operational performance and strategic initiatives to enhance shareholder value.

MetLife Announces $10 Billion Reinsurance Agreement

On April 30, 2025, MetLife, Inc. announced an agreement with Talcott Resolution Life Insurance Company to reinsure approximately $10 billion of U.S. retail variable annuity and rider reserves. This transaction is expected to reduce MetLife’s enterprise risk associated with capital markets and significantly lower its retail variable annuity tail risk by reducing account values by approximately 40%. The transaction aligns with MetLife’s strategic priorities and is expected to close in the second half of 2025, subject to regulatory approvals.