METLIFE INC (MET) Stock Analysis
METLIFE INC (MET) Stock Analysis
Analysis from 10-Q filed 2025-11-07. Data as of Q4 2025.
Overall Grade: F (Concerning)
METLIFE INC faces challenges in financial performance that warrant careful analysis.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 22.2% | Strong cash generation |
| Debt/Equity | 0.0x | Conservative leverage |
Investment Thesis: Healthy free cash flow margin of 22.2% provides financial flexibility for growth and shareholder returns.
Explore METLIFE INC: Earnings History | Filing Intelligence | ROIC Analysis
Profitability: METLIFE INC earns N/A ROIC
METLIFE INC's trailing-twelve-month ROIC of N/A (sector median: 7.3%). Source: 10-Q filed 2025-11-07.
| Metric | MET | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 7.3% |
| Return on Equity (ROE) | 11.3% | Adequate | Moderate equity returns |
Cash Flow: METLIFE INC generates $17.1B FCF at 22.2% margin, positive NaN/8 quarters
METLIFE INC generated $17.1B in free cash flow (TTM), a 22.2% FCF margin, a margin that ranks Top 50% in Financials. Operating cash flow exceeds net income by 5.4x, indicating high earnings quality. FCF was positive in N/A of the last 8 quarters. Source: 10-Q filed 2025-11-07.
| Metric | MET | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 22.2% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $17.1B | Good | Positive cash generation |
| OCF/Net Income | 5.4x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: METLIFE INC at 0.0x leverage
METLIFE INC's debt-to-equity ratio of 0.0x reflects conservative leverage. Net cash position of $25.3B provides financial flexibility. Source: 10-Q filed 2025-11-07.
| Metric | MET | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.0x | Excellent | Conservative capital structure |
| Net Cash Position | $25.3B | Excellent | Net cash positive |
Valuation: METLIFE INC trades at 16.7x earnings
METLIFE INC trades at a P/E of 16.7x. Free cash flow yield of 32.4% offers attractive cash returns relative to price.
| Metric | MET | Rating | Context |
|---|---|---|---|
| P/E Ratio | 16.7x | Adequate | Reasonable valuation |
| EV/Sales | 0.3x | Excellent | Attractive revenue multiple |
| FCF Yield | 32.4% | Excellent | Attractive cash return |
| Dividend Yield | 3.2% | Adequate | Meaningful income |
Capital Allocation: METLIFE INC returns 8.7% shareholder yield
METLIFE INC's total shareholder yield is 8.7% (dividends 3.2% + buybacks 5.5%). Source: 10-Q filed 2025-11-07.
| Metric | MET | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 8.7% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 5.5% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $4.6B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 22.2% | Top 50% | 1.0x above |
| Return on Equity (ROE) | 11.3% | Top 50% | 1.1x above |
| P/E Ratio | 16.7x | N/A | - |
Financial Scorecard
| Metric | MET | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 22.2% | Excellent | Top 50% of sector (median: 21.7%) |
| Debt to Equity Ratio | 1.3% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 16.7x | Adequate | Fair value |
| Free Cash Flow Yield | 32.4% | Excellent | High cash return |
Frequently Asked Questions
Q: What is METLIFE INC's Return on Invested Capital (ROIC)?
METLIFE INC (MET) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. This compares below the sector median of 7.3%. An ROIC below 8% suggests the company may be destroying shareholder value.
Q: What is METLIFE INC's Free Cash Flow Margin?
METLIFE INC (MET) has a free cash flow margin of 22.2%, generating $17.1 billion in free cash flow over the trailing twelve months. A FCF margin above 20% indicates excellent cash conversion and a high-quality business model.
Q: Is METLIFE INC stock overvalued or undervalued?
METLIFE INC (MET) trades at a P/E ratio of 16.7x, which is above the sector median of N/A. The EV/Sales multiple is 0.3x. Free cash flow yield is 32.4%, which represents an attractive cash return to investors.
Q: Does METLIFE INC pay a dividend?
METLIFE INC (MET) currently pays a dividend yield of 3.2%. Including share buybacks, the total shareholder yield is 8.7%. This yield is moderate, suggesting a balance between income and growth reinvestment.
Q: What is METLIFE INC's revenue and earnings growth?
METLIFE INC (MET) grew revenue by 8.6% year-over-year. Earnings per share decreased by 21.1% compared to the prior year. Modest growth indicates a mature business with stable demand.
Q: Is METLIFE INC buying back stock?
METLIFE INC (MET) repurchased $2.9 billion of stock over the trailing twelve months. This represents a buyback yield of 5.5%.
Q: How does METLIFE INC compare to competitors in Financials?
Compared to other companies in Financials, METLIFE INC (MET) shows: ROIC of N/A is below the sector median of 7.3% (NaNx median). FCF margin of 22.2% exceeds the sector median of 21.7% (Top 49% of sector). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with METLIFE INC?
METLIFE INC (MET) shows no major financial warning signs based on current metrics. However, investors should always monitor: 1) Margin compression trends, 2) Cash flow consistency, 3) Debt levels relative to cash generation, and 4) Changes in competitive positioning.
Data Source: Data sourced from 10-Q filed 2025-11-07. TTM metrics as of Q4 2025.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.