MetLife Inc (MET)
Fair ValueFundamental
46
Price
$92.36
Market Cap
$60.89B
Part 1 · What the company is worth
Overview
MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates in six segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, paid family and medical leave, individual disability, accidental death and dismemberment, accident and health, vision, and pet insurance, 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 offers fixed, indexed-linked, and variable annuities; pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity and funded reinsurance solutions; credit insurance products; accident & health products covering hospitalization, cancer, critical illness, income protection, and scheduled medical reimbursement plans; and protection against long-term health care services. The company was incorporated in 1999 and is based in New York, New York.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on September 19, 2026 with claude-haiku-4-5 — shared with all users
Prudential bids against MetLife for the same large-employer group life and disability contracts and for the same pension risk transfer and institutional retirement mandates in the United States, often splitting the biggest deals between the two.
Unum sells the same workplace benefits package — group disability, group life and voluntary coverages — to the same US employers and brokers that MetLife's Group Benefits segment serves.
The Hartford's Employee Benefits arm competes head-on with MetLife for group life, disability and absence-management programmes at US employers of every size.
Aflac competes with MetLife in the same two markets that matter most to it: voluntary supplemental benefits sold at the US workplace, and life and health policies sold to Japanese households.
Principal chases the same small and mid-sized employers for group benefits and workplace retirement plans, and competes with MetLife Investment Management for institutional asset mandates.
Lincoln's Group Protection unit and its individual life and annuity lines target the same US employers and retail savers that MetLife pursues.
Balance Sheet & Liquidity
Revenue
$2.68B
Trailing 12 months (through 6/30/2026)
Net Income
$3.63B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$28.40B
Total Liabilities
$716.25B
Current Ratio
0.19
Interest Coverage
8.48
Debt/EBITDA
2.43
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$78.06
Current Price
$92.36
Margin of Safety
-18.3%
Fair Value Range
$56.93 - $99.20
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
18.00
ROE
11.9%
P/B Ratio
2.18
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.9%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (11)
- Price CAGR 7.30%
- P/B Ratio 2.18
- Operating Margin 245.0%
- Interest Coverage
- Debt/EBITDA
- Low reliance on intangibles
- ROE 12.9%
- Analyst Consensus 71% Buy
- Earnings Surprise avg 5.2%
- Earnings Quality (OCF/NI) 4.29
- Share Dilution -3.7%
Failed (9)
- EPS shows upward trend
- EPS CAGR -0.84%
- Debt/Equity ratio
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Unknown)
- Revenue Growth 5Y 2.6%
- Net Margin Trend 135.3% vs 184.4%
- Piotroski F-Score 4/9
Unavailable (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Michel Abbas Khalaf | CEO, President & Director | - |
| Mr. Bill Pappas | Executive VP and Head of Global Technology & Operations | 55 |
| Ms. Marlene Beverly Debel | Executive VP, Chief Risk Officer & Head of Insurance Investments | 58 |
| Mr. Ramy Tadros | Regional President of U.S. Business & Head of MetLife Holdings | 49 |
| Mr. John Arthur Hall | Senior VP, Head of Investor Relations & Executive VP and Treasurer | - |
| Ms. Monica M. Curtis | Executive VP, Chief Legal Officer & Head of Government Relations | 42 |
| Ms. Jane Slusark | Chief Communications Officer | - |
| Mr. Michael Roberts | Executive VP & Chief Marketing Officer | - |
| Ms. Shurawl Sibblies | Executive VP & Chief Human Resources Officer | 53 |
| Mr. Randy Stram | Senior Vice President of Group Benefits | - |
Audit Risk
4
Board Risk
3
Compensation Risk
1
Shareholder Rights Risk
9
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-19
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-06
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-24
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for MET, sourced from Markets Gazette.
- 8/5/2026POSITIVEMetLife’s Earnings Beat Wall Street Expectations
MetLife Inc. reported second-quarter earnings that exceeded Wall Street's projections, driven by robust underwriting performance and significant volume growth. The company's success is attributed in part to its strategic five-year plan, initiated in late 2024, which appears to be yielding positive results. This earnings beat suggests effective operational management and strategic execution, potentially signaling a favorable outlook for the insurance giant. Investors will be watching for continued momentum and the long-term impact of the company's strategic initiatives.
- 5/28/2026NEUTRALMetLife Clashes With Ares Over Struggling Football Investment
MetLife Inc. is reportedly in a dispute with Ares Management regarding the restructuring of Eagle Football, a holding company with stakes in several football clubs, notably Olympique Lyonnais. The disagreement centers on the financial strategy and future direction of the football investment group. While the specific details of the clash are not fully disclosed, such disputes can introduce uncertainty for investors in the involved entities. The outcome could impact the valuation and operational stability of the football assets.
- 5/6/2026POSITIVEMetLife’s Improved PE Returns Lift Earnings Above Expectations
MetLife Inc. reported first-quarter earnings that exceeded Wall Street consensus, primarily driven by enhanced returns from its private equity investments. The insurer's ability to leverage its private equity portfolio for higher gains signals effective asset management and a robust strategy in alternative investments. This performance suggests a positive outlook for MetLife's financial health and could be interpreted by investors as a sign of strong operational execution and potential for future growth, especially in its alternative asset classes.
- 2/24/2026NEUTRALPolymarket users favor Meteora in bets over ZachXBT crypto takedown
Polymarket users have wagered over $7 million on the outcome of the investigation by prominent crypto sleuth ZachXBT, with an announcement expected on Thursday. The betting patterns indicate a preference for Meteora, suggesting many investors believe the DeFi protocol will navigate the inquiry without severe repercussions. This speculative activity underscores the high tension and uncertainty surrounding crypto projects under scrutiny, as the market attempts to anticipate the impact of potential 'takedowns'. The impending announcement will be crucial in determining the future direction of the MET token, introducing potential volatility.
via Markets Gazette