Metlife Inc

Finance
Life Insurance
www.metlife.com

Earnings Score
Moat Score

Market Cap $52.71B
PE 12
Debt $15.55B
Cash $20.07B
EV $48.19B
FCF -

Earnings

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Sales & Net Margins

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Earnings	$4.23B
EBIT	$6.00B
ROE	15%
ROA	1%
Equity	$27.70B
Growth Stability	30%
PE	12.47
PEG	-0.67
PB	1.9
P/S	0.74
Price/Cash	0.38
Debt/Equity	0.56
Net Margins	6%
Op. Margins	8%
Earnings CAGR	1%
Sales Growth YoY	-2%
Sales Growth QoQ	1%
Sales CAGR	1%
Equity CAGR	-10%
Earnings Stability	0
Earnings Growth YoY	116%
Earnings Growth QoQ	-3%

Earnings CAGR 5Y	-19%
Sales CAGR 5Y	0%
Equity CAGR 5Y	-24%
Earnings CAGR 3Y	-1%
Sales CAGR 3Y	-1%
Equity CAGR 3Y	-11%
Market Cap	$52.71B
Revenue	$70.99B
Dividend Yield	3%
Payout Ratio	36%
Assets	$677.46B
Total Debt	$15.55B
Cash	$20.07B
Shares Outstanding	689.21M
EV	48.19B
Earnings Score	6%
Moat Score	64%
Shares Growth 3y	-6%
Equity Growth QoQ	-11%
Equity Growth YoY	-8%

Assets & ROA

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Stockholders Equity & ROE

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MetLife-once a mutual company before the 2000 demutualization-is the largest life insurer in the U.S. by assets and provides a variety of insurance and financial services products. Outside the United States, MetLife operates in Japan and more than 40 countries in Latin America, Asia-Pacific, Europe, and the Middle East.

SEC Filings

Direct access to Metlife Inc (MET) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Metlife Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Metlife Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 1%

Stability 0%

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Metlife Inc Discounted Cash Flow

Fully customizable DCF calculator online for Metlife Inc.

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	7%	1%	6%	7%	8%	8%	9%	3%	2%	6%	6%
ROA	-	-0%	0%	1%	1%	1%	1%	1%	1%	1%	1%
ROE	-	1%	7%	9%	9%	7%	9%	9%	5%	15%	15%

Bad Net Margins (5.95%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	0.26	0.25	0.27	0.25	0.21	0.2	0.21	0.54	0.52	0.56	0.56
Growth Stability	-	-	-	100%	100%	100%	100%	41%	30%	100%	30%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.56)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (30%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	-9%	-2%	9%	2%	-3%	5%	-2%	-4%	6%	0%
Earnings YoY growth	-	-86%	461%	28%	15%	-9%	22%	-63%	-41%	206%	-19%
Equity YoY growth	-	-1%	-13%	-10%	25%	13%	-9%	-60%	11%	-8%	-24%
FCF YoY growth	-	-	-	-	-	-	-	-	-	-	-