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MetLife Inc.

METFinancials

Generated Jul 5, 2026, 08:10 PM UTC

analytical score -13

MET (MetLife Inc.) analytical snapshot. Revenue declined +2.7% YoY to $66.91B. 5-year revenue CAGR -0.8%; 10y CAGR -1.0%. Net margin at 2.36% (contracting ▼). Market cap $57.95B at $90.06 per share. Trailing P/E 49.76, P/S 0.87, P/B 2.12. EV/Operating income ≈ 9.46 (EV $54.14B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -13 (data confidence 74%). Descriptive analytics from public filings — not investment advice.

Market cap
$57.95B
643.44M shares
Price
$90.06
NYQ
P/E (ttm)
49.76
Revenue (FY)
$66.91B
YoY -2.7%
Net margin
2.36%
▼ 5.61pp
Free cash flow
—
Risk level
Elevated

Free SEC analysis

— computed from SEC filings, free to read
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score -40Deteriorating
60% conf

Revenue declined +2.7% YoY to $66.91B. 5-year revenue CAGR -0.8%; 10y CAGR -1.0%. Net margin at 2.36% (contracting ▼).

  • Revenue declined +2.7% YoY to $66.91B.
  • 5-year revenue CAGR -0.8%; 10y CAGR -1.0%.
  • Net margin at 2.36% (contracting ▼).
  • Return on equity 5.75%, ROA 0.23%, ROIC 20.85%.
  • Gross margin 0.00%, operating margin 8.55%.
  • Net income down ▼ +70.1% YoY.
  • Debt/equity 0.69, current ratio —, net debt -$3.81B.
  • Asset turnover 0.09 — capital efficiency.
Revenue (FY)
$66.91B
YoY -2.7%
Net margin
2.36%
▼ 5.61pp
ROE
5.75%
ROA 0.23%
ROIC
20.85%
EPS (diluted)
$1.81
FY2025
Free cash flow
—
Debt / equity
0.69
Cash $22.69B
Current ratio
—
Equity $27.32B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2016$73.32B—0.000.008.61—9.28
2017$61.34B-16.3%0.000.008.76—7.44
2018$60.79B-0.9%0.000.001.40—1.45
2019$62.31B+2.5%0.000.006.44—7.60
2020$67.94B+9.0%0.000.007.54—7.75
2021$69.62B+2.5%0.000.008.47—7.91
2022$67.84B-2.6%0.000.007.97—8.01
2023$68.70B+1.3%0.000.009.98—22.94
2024$68.77B+0.1%0.008.697.68—17.60
2025$66.91B-2.7%0.008.552.36—5.75
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Mar 31, 2025$18.57B+15.6%—5.09%
Jun 30, 2025$35.91B+6.0%+93.4%4.66%
Jun 30, 2025$17.34B-48.8%-51.7%9.65%
Sep 30, 2025$53.27B+1.8%+207.2%4.82%
Sep 30, 2025$17.36B-66.8%-67.4%14.80%
Mar 31, 2026$19.07B+2.7%+9.9%6.21%
Revenue (annual, SEC 10-K)
2016: 73,316
2017: 61,343
2018: 60,787
2019: 62,308
2020: 67,941
2021: 69,620
2022: 67,842
2023: 68,696
2024: 68,770
2025: 66,905
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
0.02.55.07.510.0201620182020202220242025
GrossOperatingNet
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 5Stable
80% conf

Latest annual report (10-K) filed Feb 19, 2026. Latest quarterly report (10-Q) filed May 7, 2026. 13 recent 8-K material-event filings in the index.

  • Latest annual report (10-K) filed Feb 19, 2026.
  • Latest quarterly report (10-Q) filed May 7, 2026.
  • 13 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
Latest 10-K
Feb 19, 2026
Annual report
Latest 10-Q
May 7, 2026
8-K (recent)
13
Insider net
—
0B/0S
13F filers
—
Activist 13D
0
Recent 8-K material events
DateFormDescription
Jun 29, 20268-K8-K
Jun 22, 20268-K8-K
May 15, 20268-K8-K
May 6, 20268-K8-K
Apr 7, 20268-K8-K
Mar 5, 20268-K8-K
Feb 26, 20268-K8-K
Feb 24, 20268-K8-K
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -27Deteriorating
62% conf

2 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

  • Leverage is building — debt rising while equity contracts: Long-term debt grew +108.7% while stockholders equity declined -8.6%. The debt-to-equity ratio is deteriorating, increasing financial risk and interest burden. This may constrain future borrowing capacity.
  • NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 3 filing(s).
  • Operating cash flow exceeds net income: OCF is 8.70x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
  • Endogenous analysis: 2 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
  • 1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 1 new risk-language term(s) detected in filing text: Restatement of financial statements.
Revenue
$66.91B
-2.7% YoY
Operating income
$5.72B
-4.3% YoY
Net income
$1.58B
-70.1% YoY
Operating cash flow
$13.72B
+5.2% YoY
Total assets
$677.46B
-1.5% YoY
Total liabilities
$649.75B
-1.2% YoY
Long-term debt
$27.59B
+108.7% YoY
Cash & equivalents
$20.07B
-2.8% YoY
Filing quality score
72/100
1 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$68.77B$66.91B$-1.86B-2.7%
Operating income$5.98B$5.72B$-255.0M-4.3%
Net income$5.28B$1.58B$-3.71B-70.1%
Operating cash flow$13.04B$13.72B$677.0M+5.2%
Total assets$687.58B$677.46B$-10.13B-1.5%
Total liabilities$657.33B$649.75B$-7.58B-1.2%
Long-term debt$13.22B$27.59B$14.37B+108.7%
Cash & equivalents$20.64B$20.07B$-571.0M-2.8%
Stockholders equity$30.02B$27.45B$-2.57B-8.6%
Accounts receivable$243.0M$238.0M$-5.0M-2.1%
Interest expense—$1.05B——
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
AddedNetIncomeLossIncludingPortionAttributableToNonredeemableNoncontrollingInterest
RemovedAccretionAmortizationOfDiscountsAndPremiumsInvestments, AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AssetsDesignatedToClosedBlock, AssetsDesignatedToClosedBlockAccruedInvestmentIncome, AssetsDesignatedToClosedBlockCashAndCashEquivalents, AssetsDesignatedToClosedBlockDeferredTaxAssetNet, AssetsDesignatedToClosedBlockEquitySecuritiesAtFairValue, AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue, AssetsDesignatedToClosedBlockInvestments
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Restatement of financial statementshigh30NEW
Filing signal breakdown
Red flags: 2
Positive: 1
Watch: 0
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Unlock the rest

  • Valuation
    Market cap $57.95B at $90.06 per share.
    Pro
  • Price & Technicals
    Price $90.06 — uptrend (above 200-DMA); 1-month momentum positive.
    Pro
  • Macro & Rates
    Market regime: Risk-on · Supportive.
    Pro
  • Risk Scorecard
    Composite risk: Elevated.
    Pro

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3 sections free · 4 Pro sections locked · composite -13

Macro exposure

Rate-sensitive · High sensitivity
Neutral

Macro regime: Risk-on · Supportive. MetLife Inc. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%

Analytical read

deterministic preview

Price $90.06 — uptrend (above 200-DMA); 1-month momentum positive..

Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Open analytical workspace

Peer comparison

Rate-sensitive group

How MET stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

CompanyScoreMacro
Capital One Financial COF23Neutral
Chubb Ltd. CB23Neutral
U.S. Bancorp USB17Neutral
JPMorgan Chase & Co. JPM16Neutral
Prologis Inc. PLD14Neutral
Simon Property Group SPG13Neutral
American Express Co. AXP11Neutral
Bank of America Corp. BAC11Neutral
Visa Inc. V8Neutral
Mastercard Inc. MA8Neutral
Public Storage PSA8Neutral
Dominion Energy D6Neutral
Charles Schwab Corp. SCHW6Neutral
CME Group Inc. CME6Neutral
PNC Financial Services PNC4Neutral
Realty Income Corp. O4Neutral
Travelers Cos. TRV2Neutral
Duke Energy Corp. DUK0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Equity Residential EQR0Neutral
Wells Fargo & Co. WFC-1Neutral
Welltower Inc. WELL-1Neutral
Exelon Corp. EXC-3Neutral
NextEra Energy NEE-4Neutral
Xcel Energy XEL-5Neutral
American International Group AIG-5Neutral
Truist Financial TFC-5Neutral
Digital Realty Trust DLR-6Neutral
Allstate Corp. ALL-7Neutral
S&P Global SPGI-8Neutral
American Water Works AWK-9Neutral
Goldman Sachs Group GS-10Neutral
Citigroup Inc. C-11Neutral
Moody's Corp. MCO-13Neutral
Morgan Stanley MS-13Neutral
MetLife Inc. MET● you-13Neutral
Southern Company SO-15Neutral
BlackRock Inc. BLK-15Neutral
Equinix Inc. EQIX-16Neutral
American Electric Power AEP-18Neutral
Crown Castle Inc. CCI-18Neutral
American Tower Corp. AMT-39Neutral