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Index to Business Page Business Overview & Strategy 5 Segments and Corporate & Other 6 Policyholder Liabilities 10 Underwriting and Pricing 11 Reinsurance Activity 12 Regulation 12 Competition 23 Human Capital Resources 24 Information About Our Executive Officers 25 Trademarks 26 Available Information 26 4 Table of Contents Business Overview & Strategy As used in this Form 10-K, MetLife, the Co…
$93.15
$0.85 (-0.90%)
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Net margin is thin at 4.38%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 8.6% YoY. However, net income declined 24%, rising credit provisions or expenses may be eating into the top line.
At 18x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 24% YoY, profitability momentum has weakened.
18.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$77.59B
▲ +8.6% YoY
Net Income (TTM)
$3.61B
▼ -23.7% YoY
Net Margin
4.66%
P/E
18.0x
Balance Sheet
Total Assets
$743.21B
Equity
$27.32B
Total Debt
$703M
Cash & Equiv.
$27.64B
5Y CAGR: +2.6%
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At a P/E of 18.0, MetLife (MET)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, MetLife scores 60/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.5%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
MetLife scores 60 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 8.2% operating margin and a 17.7% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, MetLife pays a regular dividend of about $2.30 per share per year (typically in quarterly installments), a yield of roughly 2.5% at the current price. That is a payout ratio of about 41.7% of earnings, so the dividend is well covered. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For MET's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh MET's valuation and scores 60/100 on quality (solid). It also yields about 2.5%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.