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Earnings transcript
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MET
MetLife, Inc.
$70.72
-0.45
(-0.63%)
| Exchange: | NYSE |
| Market Cap: | 46.597B |
| Shares Outstanding: | 745M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Life | |||||
| CEO: | Michel Abbas Khalaf | |||||
| Full Time Employees: | 45000 | |||||
| Address: |
| |||||
| Website: | https://www.metlife.com |
MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, individual disability, pet insurance, accidental death and dismemberment, vision, and accident and health coverages, 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 provides fixed, indexed-linked, and variable annuities; and pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity reinsurance solutions; credit insurance products; and protection against long-term health care services. MetLife, Inc. was founded in 1863 and is headquartered in New York, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 67,709,000 | 69,939,000 | 77,084,000 |
| Gross Profit | 17,289,000 | 18,999,000 | 28,024,000 |
| EBITDA | 3,925,000 | 7,373,000 | 5,722,000 |
| Operating Income | 2,162,000 | 5,622,000 | 4,661,000 |
| Net Income | 1,578,000 | 4,426,000 | 3,379,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 687,584,000 | 677,457,000 | 745,166,000 |
| Total Liabilities | 657,331,000 | 649,754,000 | 716,245,000 |
| Total Stockholders Equity | 30,015,000 | 27,445,000 | 28,398,000 |
| Total Debt | 18,828,000 | 18,715,000 | 19,329,000 |
| Cash and Cash Equivalents | 20,639,000 | 20,068,000 | 22,032,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 14,260,000 | 15,116,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 14,260,000 | 15,116,000 | 0 |
| Net Income | 1,578,000 | 4,426,000 | 3,379,000 |
| Net Change in Cash | 444,000 | -571,000 | -20,068,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 89,494,716.653 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 94,334,226.821 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 92,087,614.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 9,215,379.958 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 9,713,710.213 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 9,482,373.796 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 8,453,904.233 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 9,053,409.517 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 8,775,105.063 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 6,334,998.547 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 6,677,569.494 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 6,518,540.147 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 13.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 13.620 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 12.710 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates MET intrinsic value between $202.78 – $312.78 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about MET valuation
Is MET (MET) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for MET (MET) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is MET a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MET trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is MET’s P/E ratio?
You can see MET’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for MET?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is MET a good long-term investment?
Whether MET fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
MET
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-0.63
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