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Earnings transcript
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MET
MetLife, Inc.
$85.57
1.19
(1.41%)
| Exchange: | NYSE |
| Market Cap: | 55.059B |
| Shares Outstanding: | 745M |
Delayed data
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. operates as a leading global financial services entity, delivering an extensive array of services encompassing insurance, annuities, employee benefits, and asset management. The company manages its operations through five primary divisions: the U.S., Asia, Latin America, Europe, the Middle East and Africa (EMEA), and MetLife Holdings. Its broad insurance offerings include life, dental, group short-term and long-term disability, individual disability, pet, accidental death and dismemberment, vision, and accident and health coverages, as well as prepaid legal plans. MetLife also supports employers with administrative services-only (ASO) arrangements. Furthermore, it provides sophisticated financial instruments such as general and separate account contracts, synthetic guaranteed interest contracts, and private floating rate funding agreements. The company facilitates pension risk transfers, offers institutional income annuities, structures settlements, and delivers capital markets investment products. Specialized life insurance products and funding agreements are also available for post-retirement benefits, alongside company, bank, or trust-owned life insurance used to finance non-qualified executive benefit programs. In addition, MetLife offers a variety of annuity options including fixed, indexed-linked, and variable, alongside pension and regular savings products. Its life insurance portfolio features whole life, term life, endowments, universal and variable life, and group life policies. The company also provides longevity reinsurance solutions, credit insurance products, and protection for long-term healthcare services. MetLife, Inc. was founded in 1863 and is headquartered in New York City.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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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) | 90,014,582.216 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 94,786,717.690 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 92,885,689.475 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 9,268,911.148 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 9,760,303.749 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 9,564,552.559 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 8,616,200.289 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 9,215,758.769 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 8,976,919.513 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 6,371,797.899 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 6,709,599.642 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 6,575,032.917 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 13.500 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 13.860 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 12.960 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: MetLife reported adjusted earnings of $1.4 billion or $2.00 per share in Q2 2025, reflecting strong operational results. Key metrics such as revenue and net income from recent income statements indicate consistent profitability, supported by robust operating cash flow as seen in cash flow statements.
- Diversified Revenue Streams: Revenue product and geographic segments data highlight MetLife’s balanced portfolio across various product categories and regions, reducing dependency on any single market and enhancing financial stability.
- Strong Market Position: As a leading player in the insurance industry within the financial sector, MetLife benefits from a large market capitalization and a significant employee base, as noted in the company profile, positioning it well against competitors.
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At what price to buy it? -
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.
[intrinsic_calculator]
Common questions about MET valuation
Is MetLife, Inc. (MET) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for MetLife, Inc. (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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Daily snapshot
1.41
Trading Metrics:
| Open: | — | Previous Close: | — | |
| Day Low: | — | Day High: | — | |
| Year Low: | Year High: | |||
| Price Avg 50: | Price Avg 200: | 77.94 | ||
| Volume: | 3.706M | Average Volume: | 3.544M |
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Login — it's freeMET full analysis
Welcome to MARKETSNAP’s SWOT analysis for MetLife, the financial giant we all know well in the insurance and employee benefits space. Today, we’re diving deep into what makes MetLife tick, breaking down its strengths, weaknesses, opportunities, and threats, all while keeping an eye on what this means for you as a long-term investor. So, grab a coffee, let’s unpack this together, and see if MetLife deserves a spot in your portfolio. Before we get into the nitty-gritty, let’s set the…
