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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
10/26/2026: MET (2-star) has a low Upturn Star Rating. Not recommended to BUY.
MetLife is a leading global provider of insurance, annuities, and employee benefit programs, serving both individual and institutional clients. The company benefits from a strong market position in the U.S. group benefits space and a diversified international footprint, which provides stability and recurring revenue. Its primary investment story centers on capturing corporate pension risk transfer opportunities and modernizing its business through digital transformation. However, the company faces risks from fluctuating interest rates, regulatory changes, and competitive pressures in its core markets. It is generally well-suited for income-focused dividend investors and those seeking lower volatility, provided they monitor the evolving regulatory and macroeconomic landscape.
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 insurance company focusing on steady, incremental growth rather than aggressive expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on positive market sentiment and sustained earnings momentum. |
| Value investor | Strong fit | The stock often trades at valuations that appeal to value investors looking for steady, established insurance franchises. |
| Dividend investor | Strong fit | MetLife provides a consistent and reliable dividend yield suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a major, well-capitalized insurance provider, it offers lower volatility compared to high-growth sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Financial markets and interest rate changes can impact stock price stability. |
| Valuation risk | Low | The stock typically trades at reasonable multiples, mitigating extreme overvaluation risks. |
| Competition risk (Insurance Industry) | Medium / high | Intense competition in life insurance and benefits requires constant differentiation. |
| Business quality | Strong | MetLife has a well-entrenched market position and a long-standing operating history. |
| Dividend income | Low | The dividend is generally considered stable and well-supported by earnings. |
| Execution risk | Medium | Managing complex global operations and legacy blocks requires disciplined management. |
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 -6.86% | 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 10/26/2026 |
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 62.80B USD | Price to earnings Ratio 18.93 | 1Y Target Price 107.62 |
Price to earnings Ratio 18.93 | 1Y Target Price 107.62 | ||
Volume (30-day avg) 3.3M shares | Beta 0.78 | 52 Weeks Range 66.41 - 103.65 | Updated Date 10/25/2026 |
52 Weeks Range 66.41 - 103.65 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 2.22% | Basic EPS (TTM) 5.22 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Group Benefits | Premiums from life, dental, and disability insurance sold to employers. | This is a primary cash-cow segment based on recurring corporate contracts. |
| Retirement and Income Solutions | Pension risk transfers and annuity products. | This segment benefits from long-term interest rate trends and corporate liability management. |
| Geography (International) | Insurance operations in Asia, Latin America, and EMEA. | International segments offer higher growth potential but come with currency and geopolitical risks. |
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 18.93 | 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 531.23M |
Shares Outstanding 635.48M | Shares Floating 531.23M | ||
Percent Insiders 16.35 | Percent Institutions 78.42 |
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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