MetLife (MET)
Market Price (10/27/2025): $78.68 | Market Cap: $52.8 BilSector: Financials | Industry: Life & Health Insurance
MetLife (MET)
Market Price (10/27/2025): $78.68Market Cap: $52.8 BilSector: FinancialsIndustry: Life & Health Insurance
Investment Highlights
Why It Matters
Which of these 2 stories sounds closer for this stock?
1. Generates cash flow
The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.
2. Riding a trend
Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.5%, FCF Yield is 29% | Weak multi-year price returns2Y Excs Rtn is -22%, 3Y Excs Rtn is -56% | Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.8% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -176% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21%, CFO LTM is 15 Bil, FCF LTM is 15 Bil | ||
| Low stock price volatilityVol 12M is 29% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.5%, FCF Yield is 29% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -176% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 21%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 21%, CFO LTM is 15 Bil, FCF LTM is 15 Bil |
| Low stock price volatilityVol 12M is 29% |
| Weak multi-year price returns2Y Excs Rtn is -22%, 3Y Excs Rtn is -56% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.8% |
Market Valuation & Key Metrics
MET Stock
Return vs. Risk
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| MET Return | -3% | 37% | 19% | -5% | 28% | -2% | 87% |
| Peers Return | -9% | 33% | 13% | 8% | 27% | 6% | 99% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 15% | 110% |
Monthly Win Rates [3] | |||||||
| MET Win Rate | 67% | 67% | 67% | 58% | 67% | 67% | |
| Peers Win Rate | 53% | 58% | 60% | 62% | 63% | 62% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 67% | |
Max Drawdowns [4] | |||||||
| MET Max Drawdown | -53% | -2% | -6% | -31% | -1% | -16% | |
| Peers Max Drawdown | -50% | -3% | -10% | -20% | -1% | -7% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: TRV, ALL, AIG, PRU, HIG. See MET Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/24/2025 (YTD)
How Low Can It Go
| Event | MET | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -36.2% | -25.4% |
| % Gain to Breakeven | 56.7% | 34.1% |
| Time to Breakeven | 472 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -55.2% | -33.9% |
| % Gain to Breakeven | 123.0% | 51.3% |
| Time to Breakeven | 319 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.4% | -19.8% |
| % Gain to Breakeven | 45.7% | 24.7% |
| Time to Breakeven | 785 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -82.9% | -56.8% |
| % Gain to Breakeven | 485.7% | 131.3% |
| Time to Breakeven | 4437 days | 1480 days |
Compare to TRV, ALL, AIG, PRU, HIG
In The Past
MetLife's stock fell -36.2% during the 2022 Inflation Shock from a high on 11/25/2022. A -36.2% loss requires a 56.7% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth over time.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Latest Trefis Analyses
Trade Ideas
Select past ideas related to MET. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 09302025 | HLNE | Hamilton Lane | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -11.9% | -11.9% | -12.7% |
| 09302025 | CNS | Cohen & Steers | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 8.7% | 8.7% | -1.6% |
| 09262025 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 4.3% | 4.3% | -2.1% |
| 09192025 | FDS | FactSet Research Systems | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.3% | -1.3% | -4.9% |
| 09052025 | IBKR | Interactive Brokers | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | 14.3% | 14.3% | 0.0% |
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 09302025 | HLNE | Hamilton Lane | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -11.9% | -11.9% | -12.7% |
| 09302025 | CNS | Cohen & Steers | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 8.7% | 8.7% | -1.6% |
| 09262025 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 4.3% | 4.3% | -2.1% |
| 09192025 | FDS | FactSet Research Systems | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -1.3% | -1.3% | -4.9% |
| 09052025 | IBKR | Interactive Brokers | Quality | Q | Momentum | UpsideQuality Stocks with Momentum and UpsideBuying quality stocks with strong momentum but still having room to run | 14.3% | 14.3% | 0.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for MetLife
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 113.65 |
| Mkt Cap | 48.2 |
| Rev LTM | 54,514 |
| Op Inc LTM | - |
| FCF LTM | 7,114 |
| FCF 3Y Avg | 6,152 |
| CFO LTM | 7,286 |
| CFO 3Y Avg | 6,279 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.3% |
| Rev Chg 3Y Avg | 7.1% |
| Rev Chg Q | 5.2% |
| QoQ Delta Rev Chg LTM | 1.3% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 16.9% |
| CFO/Rev 3Y Avg | 19.5% |
| FCF/Rev LTM | 16.8% |
| FCF/Rev 3Y Avg | 19.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 48.2 |
| P/S | 1.0 |
| P/EBIT | 7.9 |
| P/E | 11.6 |
| P/CFO | 6.1 |
| Total Yield | 10.9% |
| Dividend Yield | 2.1% |
| FCF Yield 3Y Avg | 16.0% |
| D/E | 0.2 |
| Net D/E | -1.0 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -3.2% |
| 3M Rtn | 0.1% |
| 6M Rtn | 3.4% |
| 12M Rtn | 4.9% |
| 3Y Rtn | 57.8% |
| 1M Excs Rtn | -4.6% |
| 3M Excs Rtn | -4.7% |
| 6M Excs Rtn | -19.5% |
| 12M Excs Rtn | -12.6% |
| 3Y Excs Rtn | -27.0% |
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 8/6/2025 | -2.8% | 1.9% | 4.7% |
| 4/30/2025 | 0.5% | 2.6% | 5.0% |
| 2/5/2025 | -1.6% | -2.7% | -3.2% |
| 10/30/2024 | -5.7% | 0.8% | 6.8% |
| 7/31/2024 | -1.4% | -9.8% | 0.7% |
| 5/1/2024 | -2.3% | 0.5% | 1.5% |
| 1/31/2024 | -5.7% | -2.6% | 1.4% |
| 11/1/2023 | 0.1% | -0.2% | 7.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 14 | 17 |
| # Negative | 13 | 10 | 7 |
| Median Positive | 2.1% | 2.5% | 4.7% |
| Median Negative | -2.1% | -2.6% | -8.3% |
| Max Positive | 6.1% | 16.7% | 25.3% |
| Max Negative | -7.8% | -10.9% | -24.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 6302025 | 8072025 | 10-Q 6/30/2025 |
| 3312025 | 5012025 | 10-Q 3/31/2025 |
| 12312024 | 2212025 | 10-K 12/31/2024 |
| 9302024 | 11012024 | 10-Q 9/30/2024 |
| 6302024 | 8012024 | 10-Q 6/30/2024 |
| 3312024 | 5022024 | 10-Q 3/31/2024 |
| 12312023 | 2162024 | 10-K 12/31/2023 |
| 9302023 | 11022023 | 10-Q 9/30/2023 |
| 6302023 | 8042023 | 10-Q 6/30/2023 |
| 3312023 | 5042023 | 10-Q 3/31/2023 |
| 12312022 | 2232023 | 10-K 12/31/2022 |
| 9302022 | 11032022 | 10-Q 9/30/2022 |
| 6302022 | 8042022 | 10-Q 6/30/2022 |
| 3312022 | 5052022 | 10-Q 3/31/2022 |
| 12312021 | 2182022 | 10-K 12/31/2021 |
| 9302021 | 11092021 | 10-Q 9/30/2021 |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | PAPPAS BILL | EVP, Global Tech. & Ops. | 5132025 | Sell | 80.49 | 26,000 | 2,092,683 | 5,372,078 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Life & Health Insurance Resources |
| Insurance Business America |
| A.M. Best |
| National Underwriter |
| Insurance News |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |