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MetLife Inc.
METFinancialsGenerated Jul 5, 2026, 08:10 PM UTC
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.
Free SEC analysis
— computed from SEC filings, free to readFundamentals
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.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $73.32B | — | 0.00 | 0.00 | 8.61 | — | 9.28 |
| 2017 | $61.34B | -16.3% | 0.00 | 0.00 | 8.76 | — | 7.44 |
| 2018 | $60.79B | -0.9% | 0.00 | 0.00 | 1.40 | — | 1.45 |
| 2019 | $62.31B | +2.5% | 0.00 | 0.00 | 6.44 | — | 7.60 |
| 2020 | $67.94B | +9.0% | 0.00 | 0.00 | 7.54 | — | 7.75 |
| 2021 | $69.62B | +2.5% | 0.00 | 0.00 | 8.47 | — | 7.91 |
| 2022 | $67.84B | -2.6% | 0.00 | 0.00 | 7.97 | — | 8.01 |
| 2023 | $68.70B | +1.3% | 0.00 | 0.00 | 9.98 | — | 22.94 |
| 2024 | $68.77B | +0.1% | 0.00 | 8.69 | 7.68 | — | 17.60 |
| 2025 | $66.91B | -2.7% | 0.00 | 8.55 | 2.36 | — | 5.75 |
| Quarter end | Revenue | YoY | QoQ | Net 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% |
Filings & Ownership
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.
| Date | Form | Description |
|---|---|---|
| Jun 29, 2026 | 8-K | 8-K |
| Jun 22, 2026 | 8-K | 8-K |
| May 15, 2026 | 8-K | 8-K |
| May 6, 2026 | 8-K | 8-K |
| Apr 7, 2026 | 8-K | 8-K |
| Mar 5, 2026 | 8-K | 8-K |
| Feb 26, 2026 | 8-K | 8-K |
| Feb 24, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
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.
| Metric | Prior year | Latest year | Change | % 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 | — | — |
| Type | Concepts |
|---|---|
| Added | NetIncomeLossIncludingPortionAttributableToNonredeemableNoncontrollingInterest |
| Removed | AccretionAmortizationOfDiscountsAndPremiumsInvestments, AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AssetsDesignatedToClosedBlock, AssetsDesignatedToClosedBlockAccruedInvestmentIncome, AssetsDesignatedToClosedBlockCashAndCashEquivalents, AssetsDesignatedToClosedBlockDeferredTaxAssetNet, AssetsDesignatedToClosedBlockEquitySecuritiesAtFairValue, AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue, AssetsDesignatedToClosedBlockInvestments |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Restatement of financial statements | high | 3 | 0 | NEW |
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- ProValuationMarket cap $57.95B at $90.06 per share.
- ProPrice & TechnicalsPrice $90.06 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. MetLife Inc. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewPrice $90.06 — uptrend (above 200-DMA); 1-month momentum positive..
Peer comparison
Rate-sensitive groupHow MET stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| JPMorgan Chase & Co. JPM | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| NextEra Energy NEE | 0 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET● you | -13 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -35 | Neutral |
| Moody's Corp. MCO | — | Neutral |
| American International Group AIG | — | Neutral |
| Southern Company SO | — | Neutral |
| Equinix Inc. EQIX | — | Neutral |
| Simon Property Group SPG | — | Neutral |
| Truist Financial TFC | — | Neutral |
| Capital One Financial COF | — | Neutral |
| Travelers Cos. TRV | — | Neutral |
| Marsh & McLennan MMC | — | Neutral |
| CME Group Inc. CME | — | Neutral |
| Exelon Corp. EXC | — | Neutral |
| Xcel Energy XEL | — | Neutral |
| Equity Residential EQR | — | Neutral |