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MetLife Inc.

METFinancials

Generated Aug 19, 2026, 06:47 PM UTC

analytical score 7

MET (MetLife Inc.) analytical snapshot. Revenue grew +8.6% YoY to $77.08B. 5-year revenue CAGR +1.6%; 10y CAGR +2.2%. Net margin at 4.38% (expanding ▲). Market cap $60.61B at $95.38 per share. Trailing P/E 20.25, P/S 0.79, P/B 2.21. EV/Operating income ≈ 9.81 (EV $60.19B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 7 (data confidence 74%). Descriptive analytics from public filings — not investment advice.

Market cap
$60.61B
635.48M shares
Price
$95.38
NYQ
P/E (ttm)
20.25
Revenue (FY)
$77.08B
YoY +8.6%
Net margin
4.38%
▲ 0.75pp
Free cash flow
—
Risk level
Elevated

Free SEC analysis

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

Filings & Ownership

Regulatory Analyst
score 30Improving
80% conf

Latest annual report (10-K) filed Feb 19, 2026. Latest quarterly report (10-Q) filed Aug 6, 2026. 15 recent 8-K material-event filings in the index.

  • Latest annual report (10-K) filed Feb 19, 2026.
  • Latest quarterly report (10-Q) filed Aug 6, 2026.
  • 15 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
  • ~10,000+ recent 13F-HR filings reference MetLife Inc.; broad institutional reporting.
  • Recent filers include METLIFE INC (MET, MET-PA, MET-PE, MET-PF), METLIFE INC (MET, MET-PA, MET-PE, MET-PF), METLIFE INC (MET, MET-PA, MET-PE, MET-PF).
  • 7 recent 13D activist/beneficial-ownership filings — potential catalyst.
  • 13 recent 13G passive institutional ownership notices.
Latest 10-K
Feb 19, 2026
Annual report
Latest 10-Q
Aug 6, 2026
8-K (recent)
15
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
7
Recent 13F institutional filers (SEC EDGAR full-text)
FilerFormFiled
METLIFE INC (MET, MET-PA, MET-PE, MET-PF)13F-HRMar 23, 2023
METLIFE INC (MET, MET-PA, MET-PE, MET-PF)13F-HRMar 23, 2023
METLIFE INC (MET, MET-PA, MET-PE, MET-PF)13F-HRMar 23, 2023
METLIFE INC (MET, MET-PA, MET-PE, MET-PF)13F-HRMar 23, 2023
METLIFE INC (MET, MET-PA, MET-PE, MET-PF)13F-HRMar 23, 2023
Recent 8-K material events
DateFormDescription
Aug 17, 20268-K8-K
Aug 5, 20268-K8-K
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
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -31Deteriorating
62% conf

2 risk signal(s), 1 positive signal(s), 1 watch item(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.

  • Material weakness in internal controls: The term "material weakness" "internal control" appears in 5 recent filing(s) (vs 4 in the prior period). This risk language is ongoing.
  • NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" 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 5 filing(s).
  • Operating cash flow exceeds net income: OCF is 5.06x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
  • NEW: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
  • 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.
  • 3 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 2 new risk-language term(s) detected in filing text: Restatement of financial statements, Off-balance sheet arrangements.
  • Ongoing high-severity risk language: Material weakness in internal controls.
Revenue
$77.08B
+8.6% YoY
Operating income
$6.14B
+2.4% YoY
Net income
$3.38B
-23.7% YoY
Operating cash flow
$17.09B
+17.1% YoY
Total assets
$745.17B
+10.0% YoY
Total liabilities
$716.25B
+10.2% YoY
Long-term debt
$23.69B
-14.1% YoY
Cash & equivalents
$22.03B
+9.8% YoY
Filing quality score
76/100
3 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$70.99B$77.08B$6.10B+8.6%
Operating income$6.00B$6.14B$141.0M+2.4%
Net income$4.43B$3.38B$-1.05B-23.7%
Operating cash flow$14.60B$17.09B$2.49B+17.1%
Total assets$677.46B$745.17B$67.71B+10.0%
Total liabilities$649.75B$716.25B$66.49B+10.2%
Long-term debt$27.59B$23.69B$-3.89B-14.1%
Cash & equivalents$20.07B$22.03B$1.96B+9.8%
Stockholders equity$27.45B$28.40B$953.0M+3.5%
Accounts receivable$238.0M$272.0M$34.0M+14.3%
Interest expense$738.0M$724.0M$-14.0M-1.9%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
AddedCollateralSecuritiesRepledgedDeliveredOrUsed, FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged, NetIncomeLossIncludingPortionAttributableToNonredeemableNoncontrollingInterest
RemovedAccretionAmortizationOfDiscountsAndPremiumsInvestments, AllocatedShareBasedCompensationExpense, AmortizationOfIntangibleAssets, AssetsDesignatedToClosedBlock, AssetsDesignatedToClosedBlockAccruedInvestmentIncome, AssetsDesignatedToClosedBlockCashAndCashEquivalents, AssetsDesignatedToClosedBlockDeferredTaxAssetNet, AssetsDesignatedToClosedBlockEquitySecuritiesAtFairValue, AssetsDesignatedToClosedBlockFixedMaturityAvailableForSaleAtFairValue, AssetsDesignatedToClosedBlockInvestments
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Material weakness in internal controlshigh54Ongoing
Restatement of financial statementshigh50NEW
Impairment chargemedium54Ongoing
Restructuringmedium58Ongoing
Off-balance sheet arrangementsmedium50NEW
Related party transactionslow50NEW
Filing signal breakdown
Red flags: 2
Positive: 1
Watch: 1
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score 20Improving
60% conf

Revenue grew +8.6% YoY to $77.08B. 5-year revenue CAGR +1.6%; 10y CAGR +2.2%. Net margin at 4.38% (expanding ▲).

  • Revenue grew +8.6% YoY to $77.08B.
  • 5-year revenue CAGR +1.6%; 10y CAGR +2.2%.
  • Net margin at 4.38% (expanding ▲).
  • Return on equity 11.90%, ROA 0.45%, ROIC 21.61%.
  • Gross margin 0.00%, operating margin 7.96%.
  • Net income down ▼ +23.7% YoY.
  • Debt/equity 0.69, current ratio —, net debt -$422.0M.
  • Asset turnover 0.10 — capital efficiency.
Revenue (FY)
$77.08B
YoY +8.6%
Net margin
4.38%
▲ 0.75pp
ROE
11.90%
ROA 0.45%
ROIC
21.61%
EPS (diluted)
$4.71
FY2025
Free cash flow
—
Debt / equity
0.69
Cash $19.30B
Current ratio
—
Equity $27.44B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2024$70.99B+6.1%0.008.456.24—16.13
2025$77.08B+8.6%0.007.964.38—11.90
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Sep 30, 2024$18.44B+16.2%—7.28%
Mar 31, 2025$18.57B+15.6%+0.7%5.09%
Jun 30, 2025$17.34B-2.7%-6.6%4.20%
Sep 30, 2025$17.36B-5.9%+0.1%5.16%
Mar 31, 2026$19.07B+2.7%+9.9%6.21%
Jun 30, 2026$19.15B+10.5%+0.4%3.84%
Sources:SEC EDGAR — Company Facts (XBRL)
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— score, signals & key metrics shown; full reasoning locked

Valuation

Valuation Analyst
score 0Stable
83% conf

Market cap $60.61B at $95.38 per share. Trailing P/E 20.25, P/S 0.79, P/B 2.21. EV/Operating income ≈ 9.81 (EV $60.19B).

  • Market cap $60.61B at $95.38 per share.
Market cap
$60.61B
635.48M shares
P/E (ttm)
20.25
P/S
0.79
P/B
2.21
EV
$60.19B
Intrinsic (DCF)
—
ProFull breakdown & reasoning locked

Price & Technicals

Technical Analyst
score 45Improving
85% conf

Price $95.38 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 42.83.

  • Price $95.38 — uptrend (above 200-DMA); 1-month momentum positive.
Price
$95.38
NYQ
RSI(14)
42.83
50-DMA
$91.73
200-DMA
$80.74
Volatility (ann.)
23.67%
52w range
$67.33–$100.93
-5.5% from high
ProFull breakdown & reasoning locked

Macro & Rates

Macro Analyst
score 30Improving
80% conf

Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.72%.

  • Market regime: Risk-on · Supportive.
GDP growth
1.50%
CPI (YoY)
+3.3%
Fed funds
3.63%
10Y yield
4.72%
10Y−2Y
0.52pp
Unemployment
4.10%
ProFull breakdown & reasoning locked

Risk Scorecard

Risk Analyst
score -24Deteriorating
83% conf

Composite risk Elevated. Leverage debt/equity 0.69 (moderate). Earnings stability: net-margin stdev 3.71pp over 19y.

  • Composite risk: Elevated.
Risk level
Elevated
Debt / equity
0.69
Current ratio
—
Margin stdev
3.71pp
Cash / assets
2.54%
Liab / assets
96.32%
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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
15.84
Fed funds
3.63%
CPI YoY
+3.3%

Analytical read

deterministic preview

Revenue grew **+8.6%** YoY to $77.08B..

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

Rate-sensitive group

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

CompanyScoreMacro
Allstate Corp. ALL30Neutral
Visa Inc. V24Neutral
CME Group Inc. CME22Neutral
Capital One Financial COF21Neutral
Charles Schwab Corp. SCHW19Neutral
Digital Realty Trust DLR11Neutral
Mastercard Inc. MA11Neutral
Travelers Cos. TRV10Neutral
American Express Co. AXP10Neutral
U.S. Bancorp USB9Neutral
Simon Property Group SPG9Neutral
Welltower Inc. WELL9Neutral
Chubb Ltd. CB8Neutral
MetLife Inc. MET● you7Neutral
JPMorgan Chase & Co. JPM7Neutral
Dominion Energy D4Neutral
Bank of America Corp. BAC3Neutral
Truist Financial TFC2Neutral
Moody's Corp. MCO2Neutral
PNC Financial Services PNC2Neutral
Citigroup Inc. C1Neutral
BlackRock Inc. BLK1Neutral
American Electric Power AEP0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
American Tower Corp. AMT0Neutral
Wells Fargo & Co. WFC0Neutral
American Water Works AWK-2Neutral
Equinix Inc. EQIX-4Neutral
Goldman Sachs Group GS-4Neutral
Prologis Inc. PLD-5Neutral
Public Storage PSA-5Neutral
Realty Income Corp. O-6Neutral
Southern Company SO-7Neutral
Morgan Stanley MS-8Neutral
Xcel Energy XEL-8Neutral
Equity Residential EQR-10Neutral
NextEra Energy NEE-13Neutral
Duke Energy Corp. DUK-16Neutral
Exelon Corp. EXC-17Neutral
S&P Global SPGI-19Neutral
American International Group AIG-20Neutral
Crown Castle Inc. CCI-21Neutral