MetLife, Inc.
MetLife, Inc. Fundamental Analysis
MetLife, Inc. (MET-PE) shows moderate financial fundamentals with a PE ratio of 15.52, profit margin of 4.44%, and ROE of 12.01%. The company generates $241.4B in annual revenue with moderate year-over-year growth of 6.10%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MET-PE's fundamental strength across five key dimensions:
Efficiency Score
WeakMET-PE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentMET-PE trades at attractive valuation levels.
Growth Score
ModerateMET-PE shows steady but slowing expansion.
Financial Health Score
ModerateMET-PE shows balanced financial health with some risks.
Profitability Score
WeakMET-PE struggles to sustain strong margins.
Key Financial Metrics
Is MET-PE Expensive or Cheap?
P/E Ratio
MET-PE trades at 15.52 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, MET-PE's PEG of -1.34 indicates potential undervaluation.
Price to Book
The market values MetLife, Inc. at 1.85 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.56 times EBITDA. This is generally considered low.
How Well Does MET-PE Make Money?
Net Profit Margin
For every $100 in sales, MetLife, Inc. keeps $4.44 as profit after all expenses.
Operating Margin
Core operations generate 6.12 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.01 in profit for every $100 of shareholder equity.
ROA
MetLife, Inc. generates $0.46 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
MetLife, Inc. produces operating cash flow of $31.76B, showing steady but balanced cash generation.
Free Cash Flow
MetLife, Inc. generates strong free cash flow of $31.76B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $15.06 in free cash annually.
FCF Yield
MET-PE converts 19.29% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.52
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.34
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.85
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.68
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.68
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How MET-PE Stacks Against Its Sector Peers
| Metric | MET-PE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.52 | 18.86 | Better (Cheaper) |
| ROE | 12.01% | 847.00% | Weak |
| Net Margin | 4.44% | 4202.00% | Weak |
| Debt/Equity | 0.68 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 0.46% | -21543.00% (disorted) | Weak |
MET-PE outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews MetLife, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
35.41%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-0.35%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
44.17%
Industry Style: Value, Dividend, Cyclical
High Growth