MetLife Inc (MET) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of MetLife Inc stock $48.73, price $99.75, that is 51.1% below the price, quality 60 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
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MetLife Inc
MET · USOur calculation puts a fair price 51% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $44.57 – $103.57 · fair‑value band $41.89 – $63.63 · the $99.75 price screens above the $48.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates in six segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings.
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The company offers life, dental, group short-and long-term disability, paid family and medical leave, individual disability, accidental death and dismemberment, accident and health, vision, and pet insurance, 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 offers fixed, indexed-linked, and variable annuities; pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity and funded reinsurance solutions; credit insurance products; accident & health products covering hospitalization, cancer, critical illness, income protection, and scheduled medical reimbursement plans; and protection against long-term health care services.
The company was incorporated in 1999 and is based in New York, New York.
Stock analysis
MetLife Inc (MET) currently trades at $99.75, while our model-based Fair Value estimate is $48.73, 51% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $69.12 per share, and 0 of the 4 models we run sit above the $99.75 price.
Bear case: the Dividend Discount group reads lowest at $36.86, and 4 of the 4 models stay below the price. Data coverage for this calculation is high.
Scenario range: $41.89 (bear) to $63.63 (bull), the price of $99.75 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
MetLife Inc reported revenue of $77.1B in FY2025 versus $63.4B in FY2021, a compound +5.0%/yr. Reported net income was $3.4B in FY2025, compounding −16.2%/yr from FY2021.
Key figures
Market cap $65.4B Large · P/E ratio 19.1 · P/S ratio 0.82 · EPS (TTM) $5.22 · Dividend yield 2.3% · Net margin 4.6% · Return on equity 13.1% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −51%, MET screens richer than that median.
Fair Value models
All 4 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director sold shares worth $1.7M and none bought.
- SaleMarlene DebelEVP & Chief Risk Officer21,312 shares at $81.59$1.7MJun 1, 2026
Plus 43 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Recent news
- Can MetLife Deliver a Q3 Earnings Beat on Strong Segment Growth?
- Seeking Clues to MetLife (MET) Q3 Earnings? A Peek Into Wall Street Projections for Key Metrics
- MetLife CEO and CFO to Speak at the J.P. Morgan Financials Conference
- MetLife (MET) Stock Could Be 42% Undervalued Despite Policy Settlement News
Compare MetLife Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| China Pacific Insurance (Group) Co 601601 | ¥31.90 | ¥48.28 | +51% | vs MET |
| Ping An Insurance (Group) Company 601318 | ¥54.35 | ¥66.91 | +23% | vs MET |
| China Life Insurance Company 601628 | ¥35.85 | ¥40.47 | +13% | vs MET |
| Life Insurance Corporation LICI | ₹408.00 | ₹299.42 | −27% | vs MET |
| Cathay Financial Holding 2882 | 112.00 TWD | 71.53 TWD | −36% | vs MET |
| Manulife Financial Corporation MFC | $43.99 | $27.02 | −39% | vs MET |
| Aflac Incorporated AFL | $126.24 | $67.30 | −47% | vs MET |
| AIA Group 1299 | HK$78.85 | HK$41.63 | −47% | vs MET |
| Great-West Lifeco Inc GWO | C$90.09 | C$41.76 | −54% | vs MET |
| Power Corporation POW | C$91.75 | C$33.01 | −64% | vs MET |
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Key figures of MetLife Inc
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