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MET logoMetLife, Inc.(MET)Earnings, Financials & Key Ratios

MET•NYSE•Insurance & Managed Care
$80.16
$52.27B mkt cap·16.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryDiversified global life and asset managers
AboutMetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, individual disability, pet insurance, accidental death and dismemberment, vision, and accident and health coverages, as well as prepaid legal plans; administrative services-only arrangements to employers; and general and separate account, and synthetic guaranteed interest contracts, as well as private floating rate funding agreements. It also provides pension risk transfers, institutional income annuities, structured settlements, and capital markets investment products; and other products and services, such as life insurance products and funding agreements for funding postretirement benefits, as well as company, bank, or trust-owned life insurance used to finance nonqualified benefit programs for executives. In addition, it provides fixed, indexed-linked, and variable annuities; and pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity reinsurance solutions; credit insurance products; and protection against long-term health care services. MetLife, Inc. was founded in 1863 and is headquartered in New York, New York.Show more
  • Revenue$77.08B+10.2%
  • Combined Ratio93.95%+2.2%
  • Net Income$3.38B-23.7%
  • Return on Equity11.93%-21.9%
  • Medical Cost Ratio63.64%-12.6%
  • Operating Margin6.05%-24.8%
  • Net Margin4.38%-30.7%
  • ROA0.47%-26.8%
  • Equity / Assets3.88%-5.1%
  • Book Value per Share43.49+11.6%
  • Tangible BV/Share-2.71-133.2%
  • Debt/Equity0.70+3.3%
Analysis→Technical→

MET Key Insights

MetLife, Inc. (MET) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 94.0% combined ratio
  • ✓Strong Piotroski F-Score: 8/9
  • ✓13 consecutive years of dividend growth
  • ✓Healthy dividend yield of 2.8%
  • ✓Share count reduced 6.5% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

MET Price & Volume

MetLife, Inc. (MET) stock price & volume — 10-year historical chart

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MET Growth Metrics

MetLife, Inc. (MET) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years2.31%
5 Years2.57%
3 Years4.29%
TTM8.56%

Profit CAGR

10 Years-4.53%
5 Years-8.97%
3 Years-13.85%
TTM-23.66%

EPS CAGR

10 Years0.49%
5 Years-3.31%
3 Years-8.67%
TTM-21.27%

Return on Capital

10 Years0.96%
5 Years1.19%
3 Years0.96%
Last Year1.05%

MET Recent Earnings

MetLife, Inc. (MET) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 1/12 qtrs (8%)
Q1 2026Latest
Feb 4, 2026
EPS
$2.58
Est $2.34
+10.3%
Revenue
$23.8B
Est $27.2B
-12.5%
Q4 2025
Nov 5, 2025
EPS
$2.34
Est $2.31
+1.3%
Revenue
$16.9B
Est $18.6B
-9.4%
Q3 2025
Aug 6, 2025
EPS
$2.02
Est $2.15
-6.0%
Revenue
$17.3B
Est $18.5B
-6.4%
Q2 2025
Apr 30, 2025
EPS
$1.96
Est $2.00
-2.0%
Revenue
$18.3B
Est $18.4B
-0.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 4, 2026
$2.58vs $2.34+10.3%
$23.8Bvs $27.2B-12.5%
Q4 2025Nov 5, 2025
$2.34vs $2.31+1.3%
$16.9Bvs $18.6B-9.4%
Q3 2025Aug 6, 2025
$2.02vs $2.15-6.0%
$17.3Bvs $18.5B-6.4%
Q2 2025Apr 30, 2025
$1.96vs $2.00-2.0%
$18.3Bvs $18.4B-0.5%
Based on last 12 quarters of dataView full earnings history →

MET Peer Comparison

MetLife, Inc. (MET) competitors in Diversified global life and asset managers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
PRU logoPRUPrudential Financial, Inc.Direct Competitor34.86B100.169.80-14.01%5.62%10.26%0.65
LNC logoLNCLincoln National CorporationDirect Competitor6.41B37.622.0453.61%11.43%20.18%0.77
UNM logoUNMUnum GroupDirect Competitor12.96B80.2718.752.07%5.87%7.07%0.35
PFG logoPFGPrincipal Financial Group, Inc.Direct Competitor22B101.5519.34-3.11%7.58%9.89%0.34
EQH logoEQHEquitable Holdings, Inc.Direct Competitor12.31B43.72-9.05-6.21%-12.55%-49.32%3.67
GNW logoGNWGenworth Financial, Inc.Direct Competitor3.55B9.1716.98-10.86%3.62%2.54%0.15
AFL logoAFLAflac IncorporatedProduct Competitor58.42B113.4016.60-8.84%21%13.05%0.29
GL logoGLGlobe Life Inc.Product Competitor12.11B154.3910.983.82%19.36%20.64%0.44

Compare MET vs Peers

MetLife, Inc. (MET) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRU

Most directly comparable listed peer for MET.

Scale Benchmark

vs MS

Larger-name benchmark to compare MET against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRU, LNC, UNM, PFG

MET Income Statement

MetLife, Inc. (MET) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Revenue62.31B67.94B69.62B67.89B63.37B67.97B67.71B69.94B77.08B
Revenue Growth %2.94%9.04%2.47%-2.49%-6.66%7.26%-0.38%3.29%10.22%
Medical Costs & Claims48.85B52.04B53.43B52.42B46.53B49.03B50.42B50.94B49.06B
Medical Cost Ratio %78.39%76.6%76.75%77.21%73.43%72.14%74.47%72.83%63.64%
Gross Profit
13.46B▲ 0%
15.9B▲ 18.1%
16.19B▲ 1.8%
15.47B▼ 4.4%
16.84B▲ 8.8%
18.94B▲ 12.5%
17.29B▼ 8.7%
19B▲ 9.9%
28.02B▲ 47.5%
Gross Margin %21.61%23.4%23.25%22.79%26.57%27.86%25.53%27.17%36.36%
Gross Profit Growth %-3.53%18.11%1.82%-4.45%8.83%12.48%-8.7%9.89%47.5%
Operating Expenses9.93B9.59B9.39B8.54B8.32B12.57B15.13B13.38B23.36B
OpEx / Revenue %15.93%14.12%13.49%12.58%13.13%18.5%22.34%19.13%30.31%
Depreciation & Amortization795M628M630M619M694M673M718M714M0
Combined Ratio %94.32%90.72%90.24%89.8%86.56%90.64%96.81%91.96%93.95%
Operating Income
3.54B▲ 0%
6.31B▲ 78.4%
6.79B▲ 7.7%
6.93B▲ 1.9%
8.52B▲ 23.0%
6.36B▼ 25.3%
2.16B▼ 66.0%
5.62B▲ 160.0%
4.66B▼ 17.1%
Operating Margin %5.68%9.28%9.76%10.2%13.44%9.36%3.19%8.04%6.05%
Operating Income Growth %-17.4%78.37%7.74%1.94%22.97%-25.29%-66.03%160.04%-17.09%
EBITDA4.33B6.93B7.42B7.55B9.21B7.04B2.88B6.34B5.72B
EBITDA Margin %6.95%10.21%10.67%11.12%14.54%10.35%4.25%9.06%7.42%
Interest Expense1.13B1.12B955M913M920M938M1.04B1.04B1.06B
Non-Operating Income-1.13B-1.12B-955M-913M-920M-938M-1.04B-1.04B-1.06B
Pretax Income
3.54B▲ 0%
6.31B▲ 78.4%
6.79B▲ 7.7%
6.93B▲ 1.9%
8.52B▲ 23.0%
6.36B▼ 25.3%
2.16B▼ 66.0%
5.62B▲ 160.0%
4.66B▼ 17.1%
Pretax Margin %5.68%9.28%9.76%10.2%13.44%9.36%3.19%8.04%6.05%
Income Tax-1.47B1.18B886M1.51B1.64B1.06B560M1.18B1.26B
Effective Tax Rate %-41.57%18.69%13.04%21.78%19.28%16.69%25.9%20.95%26.99%
Net Income
4.01B▲ 0%
5.12B▲ 27.8%
5.9B▲ 15.1%
5.41B▼ 8.3%
6.86B▲ 26.8%
5.28B▼ 22.9%
1.58B▼ 70.1%
4.43B▲ 180.5%
3.38B▼ 23.7%
Net Margin %6.44%7.54%8.47%7.96%10.82%7.77%2.33%6.33%4.38%
Net Income Growth %371.76%27.76%15.15%-8.34%26.78%-22.92%-70.14%180.48%-23.66%
EPS (Diluted)
3.74▲ 0%
4.91▲ 31.3%
6.06▲ 23.4%
5.68▼ 6.3%
7.65▲ 34.7%
6.30▼ 17.6%
1.81▼ 71.3%
5.94▲ 228.2%
4.80▼ 19.2%
EPS Growth %458.21%31.28%23.42%-6.27%34.68%-17.65%-71.27%228.18%-19.19%
EPS (Basic)3.744.956.105.727.706.351.825.984.80
Diluted Shares Outstanding1.04B1.01B944.4M913.2M869.4M808.9M762.43M711.1M664.96M

MET Balance Sheet

MetLife, Inc. (MET) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Total Assets719.89B687.54B740.46B795.15B759.71B663.07B687.58B677.46B745.17B
Asset Growth %-19.9%-4.49%7.7%7.38%-4.46%-12.72%3.7%-1.47%9.99%
Total Investment Assets444.07B436.21B473.8B508.52B494.82B427.95B440.38B435.38B466.11B
Long-Term Investments338.77B322.87B353.83B382.58B147.37B134.83B144.19B346.67B362.81B
Short-Term Investments313.8B302.2B331.67B358.71B347.45B293.13B296.19B88.71B103.31B
Total Current Assets0000388.01B335.49B350.62B143.04B179.59B
Cash & Equivalents12.7B15.82B16.6B19.8B20.05B20.2B20.64B20.07B22.03B
Receivables18.42B19.64B20.44B17.87B20.52B22.17B33.78B34.26B54.25B
Other Current Assets-344.93B-337.67B-368.71B-396.38B00000
Goodwill & Intangibles9.59B9.42B9.31B10.11B25.6B28.95B29.39B28.53B30.72B
Goodwill9.59B9.42B9.31B10.11B9.54B9.3B9.24B8.9B9.61B
Intangible Assets000016.06B19.65B20.15B19.63B21.11B
PP&E (Net)000001.93B1.99B1.85B1.7B
Other Assets-348.36B-332.29B-363.14B-392.69B198.54B159.44B158.79B154.38B167.77B
Total Liabilities661.02B634.58B674.08B720.33B691.96B632.95B657.33B649.75B716.25B
Total Debt19.31B16.24B16.85B18.15B17.43B17.98B18.83B18.71B20.18B
Net Debt6.61B423M253M-1.65B-2.62B-2.21B-1.81B-1.35B-1.85B
Long-Term Debt18.83B15.98B16.62B17.76B17.09B17.75B18.68B18.24B18.62B
Short-Term Debt477M268M235M393M341M175M119M465M1.56B
Total Current Liabilities0000263.18B251.08B257.57B258.07B276.14B
Accounts Payable000000000
Deferred Revenue000000000
Other Current Liabilities-1.47B-1.39B-1.28B-1.11B230.92B229.97B239.93B240.48B257.46B
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Liabilities-25.6B-21.39B-25.71B-28.76B402B363.11B380.12B373.3B420.95B
Total Equity
58.87B▲ 0%
52.96B▼ 10.0%
66.38B▲ 25.3%
74.82B▲ 12.7%
67.75B▼ 9.4%
30.13B▼ 55.5%
30.25B▲ 0.4%
27.7B▼ 8.4%
28.92B▲ 4.4%
Equity Growth %-13.05%-10.04%25.35%12.71%-9.45%-55.53%0.42%-8.43%4.4%
Shareholders Equity58.68B52.74B66.14B74.56B67.48B29.88B30.02B27.45B28.4B
Minority Interest194M217M238M259M267M244M238M258M523M
Retained Earnings26.53B28.93B33.08B36.49B41.2B40.33B40.15B42.63B44.29B
Common Stock12M12M12M12M12M12M12M12M12M
Accumulated OCI7.43B1.72B13.05B18.07B10.92B-22.62B-19.24B-21.19B-18.08B
Return on Equity (ROE)6.34%9.16%9.89%7.66%9.62%10.8%5.23%15.27%11.93%
Return on Assets (ROA)0.5%0.73%0.83%0.7%0.88%0.74%0.23%0.65%0.47%
Equity / Assets8.18%7.7%8.96%9.41%8.92%4.54%4.4%4.09%3.88%
Debt / Equity0.33x0.31x0.25x0.24x0.26x0.60x0.62x0.68x0.70x
Book Value per Share56.4152.2370.2981.9377.9337.2439.6838.9643.49
Tangible BV per Share47.2242.9460.4370.8648.491.451.14-1.16-2.71

MET Cash Flow Statement

MetLife, Inc. (MET) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations12.72B9.53B13.93B11.51B12.83B11.37B14.26B15.12B18.11B
Operating CF Growth %-13.26%-25.1%46.18%-17.36%11.46%-11.34%25.38%6%19.77%
Operating CF / Revenue %20.41%14.02%20%16.95%20.24%16.73%21.06%21.61%23.49%
Net Income5B5.12B5.9B5.41B6.55B5.28B1.58B4.43B3.38B
Depreciation & Amortization00000000753M
Stock-Based Compensation000000000
Deferred Taxes000000000
Other Non-Cash Items1.68B-1.59B462M1.38B3.64B4.19B10.5B8.84B7.14B
Working Capital Changes6.04B5.99B7.56B4.72B2.63B1.9B2.18B1.85B6.84B
Cash from Investing-16.88B-5.63B-17.59B-18.57B-11.19B-2.62B-10.25B-11.49B-15.61B
Capital Expenditures00004.36B0-1.17B00
Acquisitions-1.28B0-1.08B-1.68B3.27B-709M-755M-358M-738M
Purchase of Investments-115.47B-108.16B-91.79B-93.58B-109.32B-104.64B-84.27B-82.14B-105.69B
Sale/Maturity of Investments101.52B110.13B80.01B79.06B110.79B108.43B76.1B69.94B92.87B
Other Investing-1.65B-7.61B-4.73B-2.36B-20.29B-5.7B-143M1.07B-2.04B
Cash from Financing-906M-2.8B4.57B10.73B-1.38B-9.95B-2.94B-3.13B163M
Dividends Paid-1.82B-1.82B-1.82B-1.86B-1.84B-1.78B-1.76B-1.73B-1.7B
Share Repurchases-2.93B-3.99B-2.29B-2.15B-4.8B-3.33B-3.1B-3.21B-3.88B
Stock Issued01.27B01.96B00000
Debt Issuance (Net)-1000K-1000K1000K1000K-1000K1000K1000K-1000K-1000K
Other Financing4.21B3.64B8.27B11.9B5.9B-5.72B1.05B2.79B6.32B
Net Change in Cash
50M▲ 0%
3.12B▲ 6140.0%
777M▼ 75.1%
3.2B▲ 311.5%
252M▼ 92.1%
148M▼ 41.3%
444M▲ 200.0%
-571M▼ 228.6%
1.96B▲ 444.0%
Exchange Rate Effect5.11B2.03B-130M-471M-13M1.34B-630M-1.06B-697M
Cash at Beginning12.65B12.7B15.82B16.6B19.8B20.05B20.2B20.64B20.07B
Cash at End12.7B15.82B16.6B19.8B20.05B20.2B20.64B20.07B22.03B
Free Cash Flow
12.72B▲ 0%
9.53B▼ 25.1%
13.93B▲ 46.2%
11.51B▼ 17.4%
12.83B▲ 11.5%
11.37B▼ 11.3%
14.26B▲ 25.4%
15.12B▲ 6.0%
18.11B▲ 19.8%
FCF Growth %-13.26%-25.1%46.18%-17.36%11.46%-11.34%25.38%6%19.77%
FCF Margin %20.41%14.02%20%16.95%20.24%16.73%21.06%21.61%23.49%
FCF per Share12.199.414.7412.614.7514.0618.721.2627.23

MET Key Ratios

MetLife, Inc. (MET) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Combined Ratio92.93%94.32%90.72%90.24%89.8%86.56%90.64%96.81%91.96%93.95%
Medical Cost Ratio76.94%78.39%76.6%76.75%77.21%73.43%72.14%74.47%72.83%63.64%
Return on Equity (ROE)1.25%6.34%9.16%9.89%7.66%9.62%10.8%5.23%15.27%11.93%
Return on Assets (ROA)0.1%0.5%0.73%0.83%0.7%0.88%0.74%0.23%0.65%0.47%
Equity / Assets7.53%8.18%7.7%8.96%9.41%8.92%4.54%4.4%4.09%3.88%
Book Value / Share61.856.4152.2370.2981.9377.9337.2439.6838.9643.49
Debt / Equity0.29x0.33x0.31x0.25x0.24x0.26x0.60x0.62x0.68x0.70x
Revenue Growth-1.33%2.94%9.04%2.47%-2.49%-6.66%7.26%-0.38%3.29%10.22%

MET SEC Filings & Documents

MetLife, Inc. (MET) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 6, 2026·SEC

Material company update

Apr 7, 2026·SEC

Material company update

Mar 5, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 19, 2026·SEC

FY 2025

Feb 21, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 1, 2025·SEC

MET Frequently Asked Questions

MetLife, Inc. (MET) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

MetLife, Inc. (MET) grew revenue by 10.2% over the past year. This is steady growth.

Yes, MetLife, Inc. (MET) is profitable, generating $3.38B in net income for fiscal year 2025 (4.4% net margin).

Dividend & Returns

Yes, MetLife, Inc. (MET) pays a dividend with a yield of 2.83%. This makes it attractive for income-focused investors.

MetLife, Inc. (MET) has a return on equity (ROE) of 11.9%. This is reasonable for most industries.

Industry Metrics

MetLife, Inc. (MET) has a combined ratio of 94.0%. A ratio below 100% indicates underwriting profitability.

Explore More MET

MetLife, Inc. (MET) financial analysis — history, returns, DCA and operating performance tools

Full MET Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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