MetLife
MET NYSE· Life & Health Insurance
Last close · Oct 26, 2026
$100.04
KIRA · Stoqly’s AI analyst, in plain words
- MetLife had $77.1B of revenue in fiscal 2025, up 8.6% on the year before. Over five years, revenue changed +2.6% a year on average.
- Its operating margin was 8.0%, down 0.5 pts: of every 100 in sales, about 8 is left after running the business.
- MetLife made $3.4B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 24.2% a year.
- MetLife returned $4.4B to shareholders in fiscal 2025. The diluted share count fell 5.3%.
- MetLife has $10.8B more cash than debt.
Market cap
$64.7B
P/E
19.2x
Revenue
$77.1B
Net income
$3.4B
Free cash flow
—
Operating margin
8.0%
MetLife in 30 seconds · fiscal 2025
Are sales growing?
+8.6%
Yes. Sales grew 8.6% last year.
Does it make a profit?
4.4%
A little. It keeps 4.4% of every sale as profit.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How is the share priced?
19.2x
One share costs 19.2 times its yearly profit per share. Typical for its sector: 13.7x.
What MetLife does
MetLife is a financial services company that provides insurance, annuities, employee benefits and asset management. It operates in the United States, Asia, Latin America, Europe and the Middle East. It is also a large institutional investor: it invests the money it holds for policies mainly in fixed income securities and mortgage loans, plus real estate and other investments. MetLife reports six segments: Group Benefits, Retirement and Income Solutions, Asia, Latin America, Europe/Middle East/Africa and MetLife Investment Management, its institutional asset management business. It also reports other results under Corporate & Other. In late 2025 it reorganized: asset management became its own segment and MetLife Holdings stopped being one. It earns money from premiums and fees on its insurance and annuity products and from returns on the money it invests.
Biggest risks, in its own words
- Not meeting its cash needs or facing a higher cost of capital when credit markets are strained.
- Losing business if its financial strength or credit ratings are cut.
- Not finding affordable reinsurance to protect it from losses.
- Changes in laws or regulation that reduce its profit or limit its growth.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 19, 2026
- Legal name
- MetLife, Inc.
- CIK
- 0001099219
MetLife · MET
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $68.7B | $68.8B | $66.9B | $71.0B | $77.1B |
| Revenue growth | 1.3% | 0.1% | −2.7% | 6.1% | 8.6% |
| Operating margin | — | 8.7% | 8.6% | 8.5% | 8.0% |
| Net income | $6.9B | $5.3B | $1.6B | $4.4B | $3.4B |
| Net margin | 10.0% | 7.7% | 2.4% | 6.2% | 4.4% |
| Diluted EPS | $7.65 | $6.30 | $1.81 | $5.94 | $4.71 |
| Cash | |||||
| Cash from operations | $12.3B | $13.0B | $13.7B | $14.6B | $17.1B |
| Dividends paid | $1.6B | $1.6B | $1.6B | $1.5B | $1.5B |
| Share buybacks | $4.3B | $3.3B | $3.1B | $3.2B | $2.9B |
| Share count change | −4.8% | −7.0% | −5.8% | −6.7% | −5.3% |
| Debt and strength | |||||
| Cash and short-term investments | $27.2B | $25.1B | $26.7B | $25.2B | $25.6B |
| Debt incl. finance leases | $14.3B | $14.8B | $15.7B | $15.6B | $14.8B |
| Shareholders' equity | $67.5B | $29.9B | $30.0B | $27.4B | $28.4B |
| Net debt / EBITDA | −1.4x | −1.7x | −1.9x | −1.6x | −1.7x |
| Interest coverage | 14.2x | 9.1x | 7.7x | 8.1x | 8.5x |
| Returns and quality | |||||
| Return on equity | 9.7% | 10.9% | — | — | — |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.7M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
MetLife · MET
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Op. margin | FCF margin | ROIC | P/E | F-score |
|---|---|---|---|---|---|---|---|
| MetLife MET | $64.7B | 8.6% | 8.0% | — | — | 19.2x | — |
| Prudential Financial PRU | $40.3B | −13.7% | — | — | — | 10.5x | — |
| Aflac AFL | $61.1B | −9.3% | — | — | 13.0% | 13.0x | — |
| Principal Financial Group PFG | $24.3B | −3.1% | — | — | — | 15.8x | — |
| Unum UNM | $14.4B | 1.5% | — | 4.3% | 7.6% | 21.0x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $100.04 a share, the company is worth $64.7B: 19.2 times its earnings of the last four quarters.
MetLife grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 3 of 4.
Source: SEC EDGAR XBRL filings (CIK 0001099219). Data updated October 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.