Metlife (MET) AI Stock Analysis

• Market Cap: $53.60B
• Dividend Yield: 2.78%
• Average Volume (3M): 3.70M
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.90
• 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: 4,318,408
• 30 Day Avg. Volume: 3,703,313
• 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: 1.41
• Enterprise Value/Revenue: 1.07
• Enterprise Value/Gross Profit: 4.43
• Enterprise Value/Ebitda: 12.64
• 1Y Price Target: $93.42
• Price Target Upside: 15.46% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 12
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $86.00 ▲(6.29% Upside)

MetLife's overall stock score of 71 reflects a stable financial position with strong earnings growth and strategic initiatives highlighted in the earnings call. The valuation is fair, and recent corporate events are supportive. However, technical indicators suggest caution, and challenges in revenue and profit growth remain areas to watch.

Positive Factors

Strong Earnings Growth

The significant increase in earnings per share indicates robust financial performance, enhancing MetLife's ability to reinvest in growth and return value to shareholders.

Strategic Capital Deployment

Returning capital to shareholders through dividends and buybacks reflects strong cash generation and a commitment to shareholder value, supporting long-term investor confidence.

Asia Market Expansion

The substantial growth in Asia underscores MetLife's successful market expansion strategy, providing a strong foundation for future revenue growth in a key region.

Negative Factors

Declining Revenue Growth

A declining revenue growth rate suggests challenges in maintaining market share or pricing power, which could impact long-term profitability and competitive positioning.

Impact of Reinsurance Transactions

The earnings reduction from reinsurance transactions indicates potential challenges in managing legacy liabilities, impacting future earnings stability.

Higher Corporate and Other Losses

Increased corporate losses can strain overall profitability and may indicate inefficiencies or increased costs that need addressing for sustainable growth.

Metlife Business Overview & Revenue Model

Company Description

MetLife, Inc. (NYSE: MET) is a leading global provider of insurance, annuities, and employee benefits, serving approximately 90 million customers in over 40 countries. Founded in 1868, the company operates through various segments, including U.S. Life Insurance, U.S. Group Benefits, U.S. Retirement and Income Solutions, and International Markets. MetLife's core products and services include life insurance, dental insurance, disability income insurance, annuities, and retirement planning solutions, focusing on helping individuals and businesses manage risk and secure financial stability.

How the Company Makes Money

MetLife generates revenue primarily through premiums collected from its insurance policies, which include life, health, and property insurance. The company also earns income from investment returns on its extensive portfolio of assets, which is comprised of bonds, equities, and real estate. Additionally, MetLife generates revenue from fees associated with its retirement and income solutions, such as annuities and pension plans. Key revenue streams include U.S. Life Insurance and Group Benefits, which provide substantial contributions to the overall earnings. Strategic partnerships with employers for group benefits and collaborations with financial advisors for retirement solutions also enhance its revenue potential. Furthermore, the company benefits from economies of scale and a diversified product offering, allowing it to mitigate risks and capitalize on various market opportunities.

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: Positive
• Last Price: 80.91
• 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 80.91 is above the 20-day moving average (MA) of 79.42, above the 50-day MA of 78.43, and above the 200-day MA of 77.67, indicating a bullish trend. The MACD of 1.16 indicates Negative momentum. The RSI at 57.60 is Neutral, neither overbought nor oversold. The STOCH value of 51.37 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
PRU	77 Outperform	$40.19B	15.65	8.36%	4.73%	-19.35%	-35.23%
MET	71 Outperform	$53.60B	15.23	12.84%	2.78%	0.82%	7.18%
LNC	71 Outperform	$8.76B	4.11	21.66%	3.93%	35.76%	636.97%
AFL	68 Neutral	$57.68B	14.43	15.58%	2.10%	2.31%	15.46%
GL	68 Neutral	$11.35B	10.31	22.28%	0.74%	3.73%	17.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNM	64 Neutral	$13.17B	15.46	8.35%	2.22%	1.80%	-44.44%

Metlife Corporate Events

MetLife Completes $10 Billion Risk Transfer Deal

On December 1, 2025, MetLife, Inc. announced the completion of a $10 billion variable annuity risk transfer transaction with Talcott Resolution Life Insurance Company. This transaction is part of MetLife’s strategy to reduce portfolio risk and accelerate the run-off of its legacy business blocks, resulting in expected annual adjusted earnings loss of approximately $100 million, partially offset by $45 million in hedge cost savings. MetLife Investment Management will manage around $6 billion of assets under investment management agreements with Talcott.

MetLife Announces Quarterly Dividends for Preferred Stock

On November 17, 2025, MetLife, Inc. announced the declaration of quarterly dividends for its preferred stock series. The dividends, payable on December 15, 2025, include $0.33489390 per share for Series A, $351.5625 per share for Series E, and $296.875 per share for Series F, with respective depositary shares receiving $0.3515625 and $0.296875. This announcement reflects MetLife’s ongoing commitment to providing returns to its shareholders and maintaining its strong market position.

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.

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.

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.

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.