MET
Financial ServicesMetLife, Inc. · Insurance - Life · $54B
What is MetLife, Inc.?
MetLife is one of the world's largest insurance and financial services companies, serving individuals, employers, and institutions across more than 40 countries. Founded in 1863, it is headquartered in New York City.
MetLife generates revenue through insurance premiums, annuity products, and asset management fees across five geographic segments: the U.S., Asia, Latin America, Europe/Middle East/Africa, and MetLife Holdings. The company sells group and individual life insurance, disability coverage, dental and vision plans, pet insurance, and a range of annuity and pension solutions to both retail and institutional clients worldwide.
MetLife traces its origins to 1863 and maintains its global headquarters in New York City, New York.
- Group life, dental, vision, and disability insurance
- Individual and institutional annuities and pension risk transfers
- Asset management and guaranteed interest contracts
- Pet insurance and prepaid legal plans
- Longevity reinsurance and credit insurance solutions
Is MET a Good Stock to Buy?
UQS Score rates MET as Below Average overall, reflecting meaningful headwinds across several key dimensions.
The most constructive signal in MetLife's profile comes from Valuation, which is rated Attractive — suggesting the market may already be pricing in much of the uncertainty. Quality lands at Neutral, meaning the business is not fundamentally broken, just facing real pressures.
Moat, Growth, and Risk all carry Weak ratings, pointing to limited competitive differentiation, subdued expansion prospects, and elevated exposure to macro and underwriting risks.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does MET pay dividends?
Yes — MetLife, Inc. pays a dividend.
MetLife pays a regular dividend, consistent with its long history as a large-cap insurer generating steady cash flows. The dividend reflects management's commitment to returning capital to shareholders even amid a challenging operating environment. Income-oriented investors often view large insurers like MetLife as dividend stalwarts, though the Weak Risk rating warrants attention when assessing payout sustainability.
When does MET report earnings?
MetLife reports earnings on a quarterly cadence, typical for U.S.-listed financial services companies.
MetLife's recent results reflect the mixed environment facing large global insurers — navigating interest rate sensitivity, claims variability, and currency headwinds across its international segments. Growth has been muted relative to sector peers, consistent with the Weak Growth pillar rating.
For the most recent quarter's results and guidance, visit MetLife's official investor relations page at investor.metlife.com.
MET Price History
+37.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in MetLife, Inc.?
Based on MetLife, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
MET Long-term Outlook
MetLife's fundamental outlook is shaped by its Weak Growth and Weak Risk pillar ratings, suggesting limited near-term earnings acceleration and ongoing exposure to underwriting, interest rate, and macro risks. The Attractive Valuation rating indicates the stock may offer a margin of safety for patient investors, but the path to re-rating likely depends on demonstrating more consistent profitability across its global segments.
Growth drivers
- Expansion of group benefits and employer-sponsored insurance in the U.S.
- Growing demand for pension risk transfer solutions from corporate plan sponsors
- Long-term insurance penetration growth across Asia and Latin America
Key risks
- Interest rate sensitivity affecting investment income and reserve adequacy
- Currency and regulatory headwinds across international segments
- Competitive pressure from larger, better-capitalized global insurers
MET vs Peers
MetLife competes globally with other large life insurance and financial services conglomerates, each with distinct geographic and product emphases.
Great-West Lifeco is a Canadian-based insurer with deep roots in group benefits and retirement solutions across North America and Europe.
This share class of Great-West Lifeco reflects the same diversified insurance and wealth management franchise, with a focus on stable, long-duration liabilities.
Manulife differentiates through its strong Asia-Pacific franchise and wealth management operations, giving it a different geographic growth profile than MetLife.
Frequently Asked Questions
What does MetLife do?
MetLife provides insurance, annuities, employee benefits, and asset management services to individuals, employers, and institutions in more than 40 countries. Its products range from group life and dental coverage to pension risk transfers and longevity reinsurance solutions.
Does MET pay dividends?
Yes, MetLife pays a regular dividend. As a large-cap insurer with a long operating history, the company has maintained a consistent capital return program. Investors should review the Weak Risk rating in the UQS profile when evaluating dividend reliability.
When does MET report earnings?
MetLife reports earnings on a quarterly cadence, as is standard for U.S.-listed financial companies. For exact dates and the most recent results, check MetLife's investor relations page directly.
Is MET a good stock to buy?
UQS Score rates MET as Below Average, driven by Weak ratings on Moat, Growth, and Risk. The Attractive Valuation rating offers some offset. Whether MET fits your portfolio depends on your risk tolerance and income objectives — the full pillar breakdown is available to Pro members.
Is MET overvalued?
Based on the UQS Valuation pillar, MET is rated Attractive, suggesting the stock trades at a reasonable price relative to its fundamentals. This does not eliminate risk, but it does indicate the market may have already discounted much of the uncertainty facing the business.
How does MET compare to its competitors?
MetLife competes with global insurers such as Great-West Lifeco and Manulife Financial. Each has different geographic strengths — MetLife's scale and U.S. group benefits franchise are notable, though its UQS Moat rating of Weak suggests limited structural advantages over peers.
What is MET's market cap bracket?
MetLife is classified as a large-cap company, reflecting its significant scale as one of the world's largest insurance and financial services groups. Large-cap status generally implies greater liquidity and institutional coverage.
Who founded MetLife?
MetLife was originally founded in 1863 as the National Union Life and Limb Insurance Company in New York City. It rebranded and evolved over more than 150 years into the global financial services company it is today. Founding details are widely available through public historical records.
Is MET a long-term quality stock?
As a long-term quality indicator, MET's UQS profile presents a mixed picture. The Neutral Quality rating and Attractive Valuation provide some foundation, but Weak Moat and Weak Growth ratings suggest the business may struggle to compound value at above-average rates over time without meaningful strategic improvement.
What is the main competitive advantage of MetLife?
MetLife's primary advantages lie in its global scale, brand recognition built over more than 160 years, and deep relationships with large employers through its group benefits business. However, the UQS Moat pillar rates these advantages as Weak relative to sector peers, indicating they may not be durable enough to drive superior returns.
What sector does MET belong to?
MetLife operates in the Financial Services sector, specifically within the life insurance and diversified insurance sub-industry. This sector is sensitive to interest rate cycles, regulatory changes, and macroeconomic conditions — all factors reflected in MET's Weak Risk rating.
Is MET a growth stock or value stock?
Based on UQS pillar labels, MET leans toward value territory — the Valuation pillar is Attractive while the Growth pillar is Weak. This profile is more consistent with a value or income-oriented holding than a high-growth opportunity.
Unlock Full MET Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS Score and all five pillar scores
- ✓Access complete financial metrics and trend data
- ✓Compare MET side-by-side with sector peers
- ✓See valuation context and risk flag details
- ✓Get the full analyst-grade quality breakdown
- ✓Track score changes as new data is released
Pro Analysis
MET — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 53.9 | 49.7 | 37.0 | 36.7 | 70.2 | 95.8 | +5.4 |
| May 7, 2026 | 48.5 | 48.3 | 37.0 | 35.9 | 36.4 | 96.7 | 0.0 |
| Apr 26, 2026 | 48.5 | 48.3 | 37.0 | 35.9 | 36.4 | 96.6 | 0.0 |
| Apr 19, 2026 | 48.5 | 48.3 | 37.0 | 35.9 | 36.4 | 96.8 | -0.1 |
| Apr 18, 2026 | 48.6 | 48.3 | 37.0 | 35.9 | 36.4 | 97.4 | -0.4 |
| Apr 14, 2026 | 49.0 | 48.3 | 37.0 | 35.9 | 36.4 | 100.0 | 0.0 |
| Apr 10, 2026 | 49.0 | 48.3 | 37.0 | 36.0 | 36.4 | 100.0 | +0.1 |
| Apr 2, 2026 | 48.9 | 48.3 | 37.0 | 35.6 | 36.4 | 100.0 | — |
MET — Pillar Breakdown
Quality
— 49.7/100 (25%)MetLife, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 36.7/100 (20%)MetLife, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 70.2/100 (15%)MetLife, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 95.9/100 (15%)MetLife, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 37/100 (25%)MetLife, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for MET.
Score Composition
Financial Data
More Stock Analysis
How is the MET UQS Score Calculated?
The UQS (Unified Quality Score) for MetLife, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses MetLife, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether MetLife, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.