MetLife, Inc. (MET)

FairStock Score: 39/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a durable franchise bought at a sensible price, and MetLife is a real franchise: it sells life, dental, disability, and employee benefits worldwide, with a low beta of 0.76 and a 2.44% dividend yield. But the record is uneven. In the filed fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $724.0M, net income was $736.0M, and diluted EPS was $1.09. For fiscal 2025 ended 2025-12-31, filed revenue was $2.4B, net income was $3.4B, and diluted EPS was $4.71, down from fiscal 2024 filed revenue of $2.2B, net income of $4.4B, and diluted EPS of $5.94. FairStock's computed P/E of 19.16 and P/B of 2.32, based on the $100.04 close on 2026-10-26, are not cheap for a Lynch slow grower whose profit shrank about 9.0% a year over five years. ROE of 13.09% is respectable, but D/E of 1.80 and a Piotroski F-score of 5/9 leave only moderate comfort. ROCE of 0.45% and a 39/100 FairStock score suggest the quality is not exceptional. The insurer-specific measures I would want—combined ratio, reserve development, CET1, and NIM—are not in the data. At $100.04, the market is paying a full price for uncertain earnings progress. I am not comfortable calling this a bargain without clearer evidence of book value and earnings consistency.

In plain English: MetLife is a large insurance company that sells life, dental, disability, and employee benefits around the world. The business looks only average right now: it earns a reasonable return but profits have been uneven, and the stock looks priced around fair-to-full compared with its earnings and accounting value. There is a modest dividend, but nothing here screams bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer