MetLife (MET)

Financials · $64.1B market cap · SEC CIK 0001099219

Next reports on Feb 2, 2027, after the close, with analysts expecting $2.64 in earnings per share.

52-week range $67.33 to $106.72. 4% below its 52-week high and 52% above its low.

The case for MET

• Revenue growing 14.5% year over year.
• Earnings per share up 40.9%.
• Pays a 3.3% dividend while you wait.
• Reasonably priced for its growth: 12.5× earnings, where 5% a year of growth plus a 3.3% dividend would justify about 20×.
• Return on equity of 19%.
• Moves less than the market (beta 0.77).

The case against

• Growth is weak (31/100): revenue +14.5%, EPS +40.9%, +2.6% a year over five years.
• Net margin of 6% is thinner than 92% of Financials companies.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from MetLife's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What MetLife says it does

Index to Business Page Business Overview & Strategy 5 Segments and Corporate & Other 6 Policyholder Liabilities 10 Underwriting and Pricing 11 Reinsurance Activity 12 Regulation 12 Competition 23 Human Capital Resources 24 Information About Our Executive Officers 25 Trademarks 26 Available Information 26 4 Table of Contents Business Overview & Strategy As used in this Form 10-K, “MetLife,” the “Company,” “we,” “our” and “us” refer to MetLife, Inc., a Delaware corporation incorporated in 1999, its subsidiaries and affiliates. MetLife is one of the world’s leading financial services companies, providing insurance, annuities, employee benefits and asset management. We hold leading market positions in the United States (“U.S.”), Asia, Latin America, Europe and the Middle East. We are also one of the largest institutional investors in the U.S. with a general account portfolio invested primarily in fixed income securities (corporate,…

Risk factors MET lists in its 10-K

• We May Face Difficult Economic Conditions
• We May Not Meet Our Liquidity Needs, Access Capital, or May Face Significantly Increased Cost of Capital Due to Adverse Capital and Credit Market Conditions
• We May Be Unable to Access Our Credit Facility, Reducing Our Liquidity and Leading to Downgrades in Our Credit and Financial Strength Ratings
• We May Lose Business Due to a Downgrade or a Potential Downgrade in Our Financial Strength or Credit Ratings
• We May Not Find Available, Affordable or Adequate Reinsurance to Protect Us Against Losses
• Our Statutory Life Insurance Reserve Financings Costs May Increase, and We May Find Limited Market Capacity for New Financings
• Changes in Laws or Regulation, or in Supervisory and Enforcement Policies, May Reduce Our Profitability, Limit Our Growth, or Otherwise Adversely Affect Us
• Governments or Others May Increase our Taxes by Changing or Re-Interpreting Tax Laws, Making Some of Our Products Less Attractive to Consumers
• We May Face Increasing Litigation and Regulatory Investigations
• Our Efforts to Enhance the Sustainability of our Businesses May Not Meet Investors', Regulators' or Customers' Expectations
• We May Not be Able to Pay Dividends or Repurchase Our Stock Due to Legal and Regulatory Restrictions or Cash Buffer Needs
• Our Subsidiaries May be Unable to Pay Dividends, a Major Component of Holding Company Free Cash Flow
• We May Face Defaults, Downgrades, Volatility or Other Events That Adversely Affect the Investments We Hold
• We May Have Difficulty Selling Holdings in Our Investment Portfolio or in Our Securities Lending Program in a Timely Manner to Realize Their Full Value
• We May Have to Pledge Collateral or Make Payments in Derivatives and Reinsurance Transactions
• We May Change Our Securities and Investments Valuation, or Take Allowances and Impairments on Our Investments, or Change Our Methodologies, Estimations, and Assumptions
• Our Actual Claims or Other Results May Differ From Our Estimates, Assumptions, or Models
• We May Face a Variety of Political, Legal, Operational, Economic and Other Risks Globally
• We May Face Competition for Business
• We Face Technological Changes That Present New and Intensified Challenges and May Fail to Foresee or Adapt to These Changes
• We May Face Catastrophes That Affect Liabilities for Policyholder Claims and Reinsurance Availability
• We May Face Direct or Indirect Effects of Climate Change or Responses to It
• We May Need to Fund Deficiencies in Our Closed Block, and May Not Re-Allocate Closed Block Assets
• We May Be Required to Recognize an Impairment of Our Goodwill or Other Long-Lived Assets or to Establish a Valuation Allowance Against Our Deferred Income Tax Assets
• We May Be Required to Impair VODA, VOBA or VOCRA
• We May Face Volatility, Higher Risk Management Costs, and Increased Counterparty Risk Due to Guarantees Within Certain of Our Products
• Our Risk Management Policies and Procedures, or Our Models, May Leave Us Exposed to Unidentified or Unanticipated Risk
• Our Policies and Procedures May Be Insufficient to Protect Us From Operational Risks
• We May Face Changes in Accounting Standards
• Our Associates May Take Excessive Risks
• We May Have Difficulty in or Complications from Marketing and Distributing Our Products
• We May Change Our Pension and Other Postretirement Benefit Plans Assumptions
• We May be Unable to Protect Our Intellectual Property and May Face Infringement Claims
• We May Face Difficulties, Unforeseen Liabilities, Asset Impairments or Rating Actions from Business Acquisitions or Integrating and Managing Growth of Such Businesses, Dispositions of Businesses, or Legal Entity Reorganizations
• We May Face Risks Related to Our Separation from Brighthouse
• MetLife, Inc.’s Board of Directors May Influence the Outcome of Stockholder Votes on Matters Due to the MetLife Policyholder Trust
• State or Federal Laws, or MetLife, Inc.’s Certificate of Incorporation and By-Laws, May Delay, Deter or Prevent Takeovers and Business Combinations

Filings

Other Financials companies