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Upturn AI Summary - About
MetLife Inc(MET)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MET
10/12/2026: MET (2-star) has a low Upturn Star Rating. Not recommended to BUY.
MetLife Inc is a global provider of insurance, annuities, and employee benefit programs. The company has a leading position in the U.S. group benefits market and a diversified international footprint that provides a solid foundation for its recurring revenue streams. Its primary growth opportunity lies in expanding its pension risk transfer and workplace benefits business. Risks include sensitivity to interest rate fluctuations, regulatory oversight, and potential margin pressure from intense competition in the insurance sector. MetLife may suit dividend-oriented and value-conscious investors looking for a stable, long-term financial holding, though investors should monitor interest rate trends and ongoing digital transformation success.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | MetLife is a mature company prioritizing stability and dividends over rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and responds slowly to short-term market trends. |
| Value investor | Strong fit | The stock often trades at a reasonable valuation relative to book value, appealing to value-oriented investors. |
| Dividend investor | Strong fit | MetLife provides a reliable dividend yield and has a history of consistent capital returns. |
| Low-risk investor | Strong fit | As a large-cap, established insurer, it generally offers a stable profile suitable for risk-averse portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Insurance stocks often fluctuate based on interest rate expectations and equity market performance. |
| Valuation risk | Low | The company generally maintains valuation multiples consistent with industry averages. |
| Competition risk (Insurance) | Medium / high | Intense pricing competition in the group benefits and annuity segments can compress margins. |
| Business quality | Strong | MetLife possesses a resilient business model and strong market position in several segments. |
| Dividend income | Strong | The company has a sustained track record of returning capital to shareholders via dividends. |
| Execution risk | Medium | Integrating acquisitions and managing digital transformation requires effective operational execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -8.77% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 62.49B USD | Price to earnings Ratio 18.84 | 1Y Target Price 107.19 |
Price to earnings Ratio 18.84 | 1Y Target Price 107.19 | ||
Volume (30-day avg) 3.1M shares | Beta 0.78 | 52 Weeks Range 66.41 - 100.93 | Updated Date 10/11/2026 |
52 Weeks Range 66.41 - 100.93 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 2.33% | Basic EPS (TTM) 5.22 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Group Benefits | Life, dental, disability, and vision insurance for employer groups. | This is a stable, recurring revenue stream driven by corporate workplace contracts. |
| Retirement and Income | Annuities and pension risk transfers for institutions and individuals. | This segment benefits when interest rates are stable or rising, aiding profitability. |
| Investment Income | Returns on the company's massive portfolio of invested premiums. | The company acts like an asset manager, turning held premiums into profit through long-term investments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 18.84 | Forward PE 10.54 | Enterprise Value 81.88B | Price to Sales(TTM) 0.79 |
Enterprise Value 81.88B | Price to Sales(TTM) 0.79 | ||
Enterprise Value to Revenue 1.05 | Enterprise Value to EBITDA - | Shares Outstanding 635.48M | Shares Floating 531.20M |
Shares Outstanding 635.48M | Shares Floating 531.20M | ||
Percent Insiders 16.35 | Percent Institutions 78.35 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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