Financials · Life & Health Insurance · US stock · price as of 16 Oct 2026
Key indicators
Price
$100.76
52-week range
$66.41 – $102.43
Market cap
$65.2B
P/E (trailing)
19.5×
Dividend yield
2.3%
Revenue (last 12 months)
$79.4B
Revenue growth (3y a year)
3.9%
Price / book
2.4×
Return on equity
12.5%
Fair value
Blended fair value$57.74 book-value models
Versus priceOvervalued−43% to fair value
Excess-return model (banks, insurers)
$47.13
Price / book vs return on equity
$73.64
Model uncertainty
Medium
X-Ray Score
51/ 100 · Medium confidence · ahead of 51% of sector peers
Valuation49
Growth29
Profitability66
Financial health65
Dividends30
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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%.
StocksXray gives Metlife Inc an X-Ray Score of 51 out of 100 (medium confidence), ahead of 51% of the S&P 500 stocks in its sector. Its strongest lens is profitability (66) and its weakest is growth (29).
Our fair value blend is $57.74. At $100.76 the stock trades 75% above that blend, so the label is "Overvalued" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Metlife Inc (MET)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$54.16
$64.58
$61.03
$77.92
$77.30
$100.76
Market cap
$47.1B
$52.2B
$46.5B
$55.4B
$52.0B
$65.2B
P/E
7.1×
10.3×
33.7×
13.1×
16.4×
19.5×
Price / book
0.7×
1.7×
1.5×
2.0×
1.8×
2.4×
Dividend yield
3.51%
3.07%
3.38%
2.77%
2.91%
2.30%
Fundamentals checklist ● 1 Good · ● 1 Average · ● 5 Bad · each check graded against the sector
Risk models
Piotroski F-Score6 of 9Average
Growth
EPS growth (3y)−9.2%Bad
Revenue growth (3y)3.9%Bad
Growth consistency70%Bad
Valuation
Fair value vs price0.6×Bad
Profitability
Return on invested capital844.7%Good
Operating margin8.3%Bad
XStocksXray
Metlife Inc (MET)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
68,696
68,770
66,905
70,986
77,084
79,403
Net income
6,353
2,354
1,380
4,226
3,173
3,420
Diluted EPS ($)
7.65
6.30
1.81
5.94
4.71
5.17
Net margin
9.2%
3.4%
2.1%
6.0%
4.1%
4.3%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
759,708
663,072
687,584
677,457
745,166
759,372
Cash
20,047
20,195
20,639
20,068
22,032
19,301
Total debt
441
274
119
465
355
460
Equity
67,482
29,881
30,015
27,445
28,398
27,441
Dividend per share ($)
1.90
1.98
2.06
2.16
2.25
–
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value blends three models and carries a typical error of about 40%, so treat it as a range. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.