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MET 
MetLife Inc (MET)
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Upturn Advisory Summary
12/29/2025: MET (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $93.47
1 Year Target Price $93.47
| 7 | Strong Buy |
| 5 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.61% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 53.40B USD | Price to earnings Ratio 15.12 | 1Y Target Price 93.47 |
Price to earnings Ratio 15.12 | 1Y Target Price 93.47 | ||
Volume (30-day avg) 16 | Beta 0.76 | 52 Weeks Range 63.77 - 85.60 | Updated Date 12/29/2025 |
52 Weeks Range 63.77 - 85.60 | Updated Date 12/29/2025 | ||
Dividends yield (FY) 2.75% | Basic EPS (TTM) 5.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.34% | Operating Margin (TTM) 7.01% |
Management Effectiveness
Return on Assets (TTM) 0.44% | Return on Equity (TTM) 12.8% |
Valuation
Trailing PE 15.12 | Forward PE 8 | Enterprise Value 69646999976 | Price to Sales(TTM) 0.74 |
Enterprise Value 69646999976 | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 0.98 | Enterprise Value to EBITDA - | Shares Outstanding 658891656 | Shares Floating 550326078 |
Shares Outstanding 658891656 | Shares Floating 550326078 | ||
Percent Insiders 16.43 | Percent Institutions 76.85 |
Upturn AI SWOT
MetLife Inc
Company Overview
History and Background
MetLife, Inc. was founded in 1868 as the Metropolitan Life Insurance Company. It began as a life insurance provider for German immigrants and has since evolved into a global leader in insurance, annuities, and employee benefit programs. Key milestones include its transition to a publicly traded company in 2000 and significant international expansion.
Core Business Areas
- Retirement and Income Solutions: Offers a broad range of retirement savings products and services, including defined contribution plans, defined benefit plans, and individual retirement products. This segment aims to help individuals and organizations secure their financial futures.
- Group Benefits: Provides employee benefits solutions, including life, accidental death and dismemberment (AD&D), disability, dental, vision, and accident insurance, as well as voluntary benefits and absence management solutions, primarily for employers.
- Asia: Focuses on providing life insurance, accident and health insurance, and retirement savings products to customers in key Asian markets.
- Latin America: Offers life insurance, accident and health insurance, and savings products in select Latin American countries.
- Europe, Middle East and Africa (EMEA): Provides insurance and retirement products and services in various European countries, as well as in the Middle East and Africa.
Leadership and Structure
MetLife Inc. is led by its Board of Directors and executive management team, headed by the Chief Executive Officer. The company is structured into various business segments and geographic regions to manage its diverse product offerings and global operations.
Top Products and Market Share
Key Offerings
- Group Life Insurance: MetLife is a major provider of group life insurance to employers, offering term life coverage to employees. Competitors include Prudential Financial, Lincoln National Corporation, and principal Financial Group. Market share data for specific products is proprietary but MetLife is consistently a top-tier provider.
- Annuities: Offers a variety of annuity products, including fixed and variable annuities, designed for retirement income planning. Major competitors include Prudential Financial, Jackson Financial, and Athene Holding Ltd. MetLife is a significant player in the US annuity market.
- Dental Insurance: Provides dental insurance plans to employers and individuals, often bundled with other group benefits. Competitors include Delta Dental, Cigna, and Humana. MetLife holds a substantial market share in the group dental insurance space.
- Disability Insurance: Offers both short-term and long-term disability insurance to help protect individuals' income during periods of incapacitation. Competitors include The Standard Companies, Unum, and Prudential Financial. MetLife is a leading provider of group disability insurance.
Market Dynamics
Industry Overview
The insurance industry, particularly life, health, and retirement services, is a mature but essential sector. It is characterized by a focus on risk management, long-term financial planning, and regulatory oversight. Key trends include digitalization, a growing demand for personalized products, and an increasing emphasis on financial wellness for employees.
Positioning
MetLife is a well-established, globally diversified insurance provider with a strong brand reputation and a broad product portfolio. Its competitive advantages include its extensive distribution network, robust financial strength, and ability to serve both institutional and individual customers. The company's global presence allows it to tap into diverse growth opportunities.
Total Addressable Market (TAM)
The TAM for the global insurance market is vast and continually growing, driven by increasing populations, rising incomes, and greater awareness of financial security needs. MetLife is well-positioned to capture a significant portion of this TAM through its diversified offerings across various geographies and customer segments.
Upturn SWOT Analysis
Strengths
- Global diversification across multiple geographies and product lines.
- Strong brand recognition and established customer base.
- Significant financial strength and investment capabilities.
- Extensive distribution network and strategic partnerships.
- Diversified revenue streams reducing reliance on any single product or market.
Weaknesses
- Exposure to interest rate sensitivity, impacting profitability.
- Challenges in adapting quickly to rapidly evolving digital customer expectations.
- Intense competition across all its business segments.
- Regulatory complexities and compliance burdens.
Opportunities
- Expansion in emerging markets with growing middle classes.
- Leveraging technology and data analytics for personalized products and improved customer experience.
- Growth in the retirement solutions market due to aging populations.
- Development of innovative health and wellness solutions.
- Strategic acquisitions to expand market reach or acquire new capabilities.
Threats
- Adverse economic conditions and market volatility.
- Changes in interest rates and inflation.
- Increased regulatory scrutiny and potential for new legislation.
- Cybersecurity risks and data breaches.
- Shifts in consumer preferences towards digital-first solutions and alternative financial providers.
Competitors and Market Share
Key Competitors
- Prudential Financial (PRU)
- Lincoln National Corporation (LNC)
- Principal Financial Group (PFG)
- Jackson Financial Inc. (JXN)
- Athene Holding Ltd. (ATH)
Competitive Landscape
MetLife holds a strong position due to its diversified product portfolio and global reach. However, it faces intense competition from established players and newer, more agile fintech companies. Its advantages lie in its financial stability and broad customer base, while potential disadvantages could stem from slower digital adoption compared to some competitors.
Growth Trajectory and Initiatives
Historical Growth: MetLife has demonstrated consistent historical growth through a combination of organic expansion, strategic acquisitions, and diversification into new markets and product lines.
Future Projections: Analyst projections for MetLife's future growth typically focus on its ability to capitalize on market trends such as an aging global population, increasing demand for retirement solutions, and the adoption of digital technologies. Growth is expected to be driven by both its established markets and continued expansion in emerging regions.
Recent Initiatives: Recent initiatives likely include investments in digital transformation, enhancements to customer experience platforms, expansion of its retirement solutions offerings, and potential strategic partnerships or acquisitions to bolster its competitive position.
Summary
MetLife Inc. is a robust global insurer with diversified revenue streams and a strong brand. Its established presence and financial strength are significant assets. However, it must navigate intense competition, evolving digital demands, and interest rate sensitivity. Continued focus on digital transformation and strategic growth in emerging markets will be crucial for sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- MetLife Inc. Investor Relations
- Financial News and Analysis Websites
- Industry Reports
Disclaimers:
This information is provided for informational purposes only and does not constitute financial advice. Market share data is estimated and can vary based on reporting methodology. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MetLife Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2000-04-05 | CEO, President & Director Mr. Michel Abbas Khalaf | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 45000 | Website https://www.metlife.com |
Full time employees 45000 | Website https://www.metlife.com | ||
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. MetLife, Inc. was incorporated in 1999 and is based in New York, New York.
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