Is Metlife Inc (MET) undervalued or overvalued?

Our model estimates a fair value of about $58 against a price of $100.76 (Overvalued, -43% to fair value). It blends a 10-year DCF, sector multiples and earnings-power value and is a model estimate, not advice.

What is the X-Ray Score for MET?

Metlife Inc has an X-Ray Score of 51 out of 100, built from valuation, growth, profitability, financial health and dividend lenses ranked against Financials peers.

Where does the data for MET come from?

Financial statements come from SEC EDGAR filings, prices from exchange price feeds, and industry betas and equity risk premium from Damodaran Online (NYU Stern).

Metlife Inc (MET)

Financials · Life & Health Insurance · US stock · S&P 500 component

$100.76 ▲ +0.49 (0.49%)

At close 16 Oct 2026 · USD · Volume 3,362,600

Compare with PFH Historical data Research report SEC filings

Fair valueOvervalued

$58 −42.7% to fair value

$29fair band $40–$75$87

Day's range

$100.64 – $102.43

52-week range

$66.41 – $102.43

About Metlife Inc

MetLife is a major provider of life insurance, annuities, employee benefits and retirement products to individuals and institutions in the United States and abroad. Customers pay premiums and deposits, which the company invests in a large portfolio of bonds and other assets. It earns income from premiums, fees and investment returns, less the cost of paying benefits and claims, and interest rates and market conditions affect its results.

Over the last twelve months Metlife Inc reported revenue of $79.4 billion, which expanded at 3.9% a year across three years. Its operating margin is 8.3% and its return on invested capital is 845%. The company pays a dividend with a yield of 2.3%. The X-Ray Score is 52 out of 100, a summary of these measures.

Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.

Price chart

Historical data & CSV

52-wk range $66.41 – $102.43Volume 3,362,600Daily, split-adjusted

Vitals

Market cap$65.2B

52-week range$66.41 – $102.43

Volume (last day)3,362,600

P/E (TTM)19.5

EBIT / EV yield17.0%

Free-cash-flow yield–

Dividend yield2.3%

Revenue (TTM)$79.4B

Net income (TTM)$3.4B

Operating margin8.3%

Return on capital844.7%

Debt incl. leases$460M

Cash & securities$27.3B

Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.

Fair value estimate

$58

Overvalued −42.7% to fair value

Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.

Price $101

Undervalued < $40Fair $40 – $75Overvalued > $75

Excess-return (bank)

$47

A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.

What this means

Average business, priced high

Our models put fair value below today's price, so a lot of good news may already be in the price. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.

Before you invest · decision checklist

I understand how this company makes money Business quality is average or better ✓ 66 The price is not above fair value $58 fair value Debt looks manageable -4.1× EBITDA Revenue has been growing 3.9% a year Profits are backed by cash There are no red flags none raised I know what share of my savings this would be

Ticked boxes are filled in from our data; the rest are yours to answer.

The five-lens scan

Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.

Valuation Weak

49/100

Expensive against its sector on earnings and cash flow.

See the numbers →

EBIT / EV yield17.0%

Fair value vs price0.6×

Growth Weak

29/100

Growing slower than most of its sector.

See the numbers →

Revenue growth (3y)3.9%

EPS growth (3y)-9.2%

Growth consistency70%

Profitability Fair

66/100

Returns on capital are typical for its sector.

See the numbers →

Return on invested capital844.7%

Operating margin8.3%

Financial health Fair

65/100

Balance sheet is in typical shape for its sector.

See the numbers →

Piotroski F-Score6 / 9

Net debt / EBITDA-4.1×

Interest coverNo interest cost

Dividends Weak

30/100

Dividend is modest or less certain than peers.

See the numbers →

Dividend yield2.3%

Dividend growth-1.9%

Quarterly results: last 6 quarters

+15.6%

Mar '25

-2.7%

Jun '25

-5.9%

Sep '25

+27.6%

Dec '25

+2.7%

Mar '26

+10.5%

Jun '26

Revenue against the same quarter a year earlier. Latest quarter revenue $19.2B, diluted EPS $1.09.

Compare with peers

PFH Prudential Financial I...55 GL Globe Life Inc.53 AFL Aflac Inc38 PFG Principal Financial Gr...34

Other Life & Health Insurance companies by X-Ray Score.

Fundamentals checklist

● 4 Good · ● 2 Average · ● 5 Bad

Cash quality

Earnings backed by cashAverage

Risk models

Piotroski F-ScoreAverage

Growth

EPS growth (3y)Bad

Revenue growth (3y)Bad

Growth consistencyBad

Balance sheet

Net debt / EBITDAGood

Interest coverGood

Valuation

Fair value vs priceBad

EBIT / EV yieldGood

Profitability

Return on invested capitalGood

Operating marginBad

Each check is graded against the company's sector, not a fixed number. Checklist score 51/100.

Financials

	FY21	FY22	FY23	FY24	FY25
Revenue	$68.7B	$68.8B	$66.9B	$71.0B	$77.1B
Operating income	$9.2B	$6.0B	$5.7B	$6.0B	$6.1B
Net income	$6.4B	$2.4B	$1.4B	$4.2B	$3.2B
Operating cash flow	$12.3B	$13.0B	$13.7B	$14.6B	$17.1B
Operating margin	13.3%	8.7%	8.6%	8.4%	8.0%
Free cash flow	–	–	–	–	–
Diluted EPS	$7.65	$6.30	$1.81	$5.94	$4.71

Fiscal years, from SEC filings.

Technical summary

Daily

Strongly bullish

12 bullish · 1 neutral · 3 bearish

Weekly

Strongly bullish

11 bullish · 1 neutral · 0 bearish

Monthly

Strongly bullish

7 bullish · 0 neutral · 1 bearish

Moving averages (daily)

SMA 10	98.82	Bullish
EMA 10	99.04	Bullish
SMA 20	97.34	Bullish
EMA 20	98.04	Bullish
SMA 50	96.87	Bullish
EMA 50	96.28	Bullish
SMA 100	92.96	Bullish
EMA 100	92.66	Bullish
SMA 200	83.95	Bullish
EMA 200	87.41	Bullish

Oscillators (daily)

RSI (14)	63.27	Neutral
MACD (12, 26)	1.08	Bullish
Momentum (12)	7.01	Bullish
Stochastic %K (14)	83.66	Bearish
Williams %R (14)	-16.34	Bearish
CCI (20)	162.3	Bearish

Pivot points (classic, last session)

98.33

99.49

100.1

Pivot

101.3

101.9

103.1

103.7

Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.

Dividends

Paid, last 12 months

2.32 USD

Yield on today's price

2.30%

Frequency

Quarterly

Next ex-dividend date

3 Nov 2026

Ex-dividend date	Amount per share
3 Nov 2026 (upcoming)	0.5925
4 Aug 2026	0.5930
12 May 2026	0.5930
3 Feb 2026	0.5680
4 Nov 2025	0.5680
5 Aug 2025	0.5680
6 May 2025	0.5680
4 Feb 2025	0.5450
5 Nov 2024	0.5450
6 Aug 2024	0.5450
6 May 2024	0.5450
5 Feb 2024	0.5200