MetLife Inc (MET) fair value: what the stock is really worth
We calculate from audited financials what MetLife Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range $44.85 – $99.95 · fair‑value band $41.23 – $87.19 · the $96.64 price screens above the $53.26 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
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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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. 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 $96.64, while our model-based Fair Value estimate is $53.26, implying the stock looks roughly 81.5% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $61.79 per share, and 0 of the 6 models we run sit above the $96.64 price.
Bear case: the Asset-Based group reads lowest at $29.57, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $41.23 (bear) to $87.19 (bull), the price of $96.64 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 63/100 (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 $64.3B · P/E ratio 18.7 · P/S ratio 0.82 · EPS (TTM) $5.17 · Dividend yield 2.3% · Net margin 4.4% · Return on equity 13.0% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 45% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −45%, MET screens richer than that median.
Fair Value models
Bear $41.23Fair Value $53.26Bull $87.19
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($2.08 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.68/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.6%
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−2.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.2%
Dividend (yield on the price)2.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−4% vs 1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 6%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+4.0%
Yearly sales growth analysts expect, extended to five years.
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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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 · 95 stocks
Beats the industry median on 4/15 measures
Overall it trails its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside−30% · Below median
Profitability
Return on equity (TTM)13% · Above median
Return on assets0% · Bottom 25%
Net margin (TTM)5% · Below median
Operating margin (TTM)10% · Below median
Growth and dividend
Revenue growth3% · Below median
Dividend yield (TTM)2.3% · Below median
Balance sheet
Debt / equity0.66× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (TTM)18.7× · Pricier than median
P/B2.10× · Pricier than median
P/S (TTM)0.77× · Cheaper than median
P/FCF3.3× · Pricier than median
EV/EBITDA9.4× · Pricier than median
PEG0.49× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 16
FUTURE (revenue growth)14· sector 43
PAST (return on equity)52· sector 43
HEALTH (low debt)67· sector 84
DIVIDEND (yield)47· sector 56
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "MetLife Inc Fair Value". https://www.fairvalue-calculator.com/stock/MET
Frequently asked questions
Is MetLife Inc (MET) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of $53.26 versus a price of $96.64, about −45% upside (overvalued).
What is the fair value of MET?
Our model-based fair value for MetLife Inc is $53.26 (as of Sep 18, 2026), built from audited fundamentals. The current price: $96.64.
What is the quality score of MET?
MetLife Inc has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for MetLife Inc (MET)?
Our model-based price target is the fair value of $53.26 (as of Sep 18, 2026) from 6 valuation models. Cautious scenario $41.23, optimistic scenario $87.19. It is a calculation from audited fundamentals, not an analyst target.
What is the MetLife Inc stock forecast for 2026?
Our models put fair value at $53.26, about −45% upside versus a price of $96.64 (overvalued). Cautious scenario $41.23, optimistic scenario $87.19. The calculation is refreshed regularly with new filings.
What is the revenue of MetLife Inc (MET)?
MetLife Inc reported trailing-twelve-month revenue of about $77.6B (latest available figure, as of Sep 18, 2026).
Does MetLife Inc pay a dividend?
MetLife Inc currently shows a dividend yield of about 2.35% relative to its recent price (as of Sep 18, 2026).
What growth is priced into MetLife Inc (MET)?
For today's price to be fair in a discounted-cash-flow model, MetLife Inc would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.6 % per year. As of Sep 18, 2026.
What discount rate (WACC) does the fair value of MET use?
Our models discount MetLife Inc at 8.7 %: a base by market capitalisation (large), damped by beta 0.78, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For MetLife Inc that is less than minus 40 % per year a year over ten years, using the same discount rate (8.7 %) and the same formula as our fair value.
How much growth has MetLife Inc (MET) delivered so far?
Over the past 5 years revenue at MetLife Inc grew +2.6 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of MetLife Inc (MET) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into MetLife Inc (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of MetLife Inc (MET)?
The free-cash-flow yield on the price is 28.06 %: that much free cash flow MetLife Inc produces per unit of market value. When it exceeds the discount rate of our models (8.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of MetLife Inc (MET)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MetLife Inc it is $53.26 per share (as of Sep 18, 2026), against a price of $96.64. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is MetLife Inc stock overvalued or undervalued in 2026?
As of Sep 18, 2026, MET trades above its calculated fair value: price $96.64, fair value $53.26, a gap of about −45% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MET?
No. The price is what the market pays today ($96.64); the fair value is what the company's own numbers justify ($53.26). For MetLife Inc the two are $43.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is MetLife Inc worth?
The market values MetLife Inc at about $64.3B (market capitalisation, as of Sep 18, 2026). Per share that is $96.64; our models calculate a fair value of $53.26 per share.
What do the bullish and bearish scenarios say about MET?
Our models span a range for MetLife Inc: cautious scenario $41.23, base $53.26, optimistic $87.19 per share (as of Sep 18, 2026, price $96.64). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MET?
MetLife Inc trades at a price-to-earnings ratio of 18.7 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $53.26 is built from several models across several years. Other multiples: PEG 0.5, P/B 2.1, P/S 0.8, EV/EBITDA 9.4.
What is the PEG ratio of MET?
The PEG ratio of MetLife Inc is 0.49 (P/E divided by earnings growth, as of Sep 18, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of MetLife Inc (MET)?
Balance-sheet figures for MetLife Inc (as of Sep 18, 2026): return on equity 13.0%, debt of 0.66 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is MET from its 52-week high?
MetLife Inc trades at $96.64, about 13% below its 52-week high of $85.29 and 45% above the low of $66.82 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $53.26 is for.
Which stocks are comparable to MetLife Inc?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is MetLife Inc stock attractive at the current price?
The data as of Sep 18, 2026: price $96.64, calculated fair value $53.26 (−45%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MET calculated?
We run MetLife Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $53.26, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. MetLife Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of MetLife Inc (MET)?
The closing price on Sep 21, 2026 was $96.64. Our model-based fair value is $53.26, about −45% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MetLife Inc right now?
The price sits above even our optimistic bull case ($87.19). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($41.23 to $87.19) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of MetLife Inc (MET) come from?
Earnings per share at MetLife Inc grew +1.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.3 %, EBIT margin −4.7 %, tax rate +0.5 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of MetLife Inc
How large is the market capitalisation of MetLife Inc (MET)?
The market capitalisation of MetLife Inc is $64.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of MetLife Inc (MET)?
The price-to-sales ratio of MetLife Inc is 0.82 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of MetLife Inc (MET)?
Earnings per share at MetLife Inc are $5.17 (price ÷ EPS = P/E 18.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of MetLife Inc (MET)?
The dividend yield of MetLife Inc is 2.3% (payout 43.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of MetLife Inc (MET)?
The net margin of MetLife Inc is 4.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of MetLife Inc (MET)?
The return on equity (ROE) of MetLife Inc is 13.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of MetLife Inc (MET)?
On an EBIT basis the return on assets of MetLife Inc is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of MetLife Inc (MET)?
The operating margin of MetLife Inc is 9.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at MetLife Inc (MET)?
Revenue at MetLife Inc is growing +2.7% versus a year earlier (3y avg +4.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at MetLife Inc (MET)?
Earnings per share at MetLife Inc are growing +35.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does MetLife Inc (MET) hold?
MetLife Inc holds more cash than debt, $1.8B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 18, 2026