US · MET
MetLife, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- New York City, NY 10166-0188
- Website
- metlife.com
Price · as of 2025-12-31
$80.23
Market cap 47.49B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $75.38 | -6.05% |
| Intrinsic Value(DCF) | $70.80 | -11.75% |
| Graham-Dodd Method(GD) | $53.66 | -33.12% |
| Graham Formula(GF) | $90.89 | +13.29% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $21.91 | $76.49 | $0.00 | $60.55 | $249.13 |
| 2012 | $22.85 | $67.45 | $0.00 | $43.17 | $3.36 |
| 2013 | $31.87 | $44.68 | $0.00 | $43.88 | $32.44 |
| 2014 | $31.64 | $43.34 | $21.62 | $61.32 | $85.83 |
| 2015 | $28.10 | $40.85 | $18.60 | $53.55 | $0.00 |
| 2016 | $35.51 | $34.53 | $23.79 | $31.93 | $5.27 |
| 2017 | $36.37 | $30.14 | $33.69 | $40.09 | $42.27 |
| 2018 | $34.86 | $31.30 | $26.97 | $43.45 | $89.46 |
| 2019 | $32.09 | $47.26 | $14.64 | $64.47 | $67.19 |
| 2020 | $52.48 | $60.01 | $36.02 | $71.22 | $35.33 |
| 2021 | $56.82 | $36.64 | $52.83 | $78.24 | $15.09 |
| 2022 | $56.85 | $56.64 | $13.63 | $26.00 | $101.85 |
| 2023 | $66.89 | $62.23 | $0.00 | $2.90 | $16.04 |
| 2024 | $79.87 | $60.72 | $0.00 | $21.43 | $71.87 |
| 2025 | $73.24 | $75.38 | $0.02 | $53.66 | $90.89 |
AI valuation
Our deep-learning model estimates MetLife, Inc.'s (MET) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $75.38
- Current price
- $80.23
- AI upside
- -6.05%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$70.80
-11.75% upside
Graham-Dodd
$53.66
-33.12% upside
Graham Formula
$90.89
+13.29% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| MET | MetLife, Inc. | $80.23 | 47.49B | -6% | -12% | -33% | +13% | 14.41 | 1.71 | 0.63 | 8.04 | — | 2.59 | 36.36% | 6.05% | 4.38% | 12.10% | -23.70% | 0.48% | 0.68 | 4.39 | — | — | -0.47 | -1919.00% | 1022.00% | -8121.00% | 5.83% | — | -19.78% | 0.00% | 0.00% | 2.77% | 9.87 | 16.20 | 0.60 | 0.38 |
| AFL | Aflac Incorporated | $112.93 | 59.19B | -22% | -39% | -50% | — | 16.48 | 2.04 | 3.45 | 11.27 | — | 2.94 | 38.93% | 26.61% | 20.91% | 13.12% | -119.49% | 3.12% | 0.29 | 21.10 | — | — | 0.39 | -2908.00% | -884.00% | 3705.00% | 6.17% | — | -118.76% | 1.99% | 32.90% | 7.87% | 13.41 | 16.78 | 3.57 | 1.43 |
| BHFAP | Brighthouse Financial, In… | $16.79 | 2.78B | +524% | -60% | +671% | +2,088% | 2.20 | 0.14 | 0.15 | -2.04 | 8.90 | 0.14 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -10.68% | — | -2.68% | 10.68% | 23.60% | 57.19% | -2.69 | 12.52 | -0.21 | 0.06 |
| CNO | CNO Financial Group, Inc. | $41.81 | 3.99B | +17% | -58% | -8% | -49% | 18.13 | 1.58 | 0.93 | 13.78 | — | 1.58 | 44.79% | 6.54% | 5.11% | 8.93% | 14.01% | 0.60% | 1.54 | 1.27 | — | — | 5.85 | -3717.00% | 94.00% | 765.00% | 16.25% | — | 41.28% | 0.00% | 0.00% | 0.00% | 24.63 | 10.69 | 1.61 | 0.33 |
| GL | Globe Life Inc. | $145.26 | 11.56B | -4% | -15% | -4% | +16% | 10.19 | 1.98 | 1.97 | 8.79 | 57.38 | 2.16 | 33.40% | 24.38% | 19.36% | 20.59% | -193.46% | 3.88% | 0.44 | 10.36 | 4.03 | 4.03 | 1.56 | 1776.00% | 382.00% | -582.00% | 10.60% | 4.58 | -205.63% | 0.00% | 0.00% | 0.79% | 9.57 | 11.16 | 2.33 | 1.06 |
| JXN | Jackson Financial Inc. | $109.48 | 7.44B | +18% | -59% | -12% | -58% | — | 0.79 | 1.17 | -297.35 | — | 0.79 | 85.47% | -1.71% | 0.40% | 0.00% | 0.39% | 0.00% | 0.20 | -1.14 | 0.38 | 0.38 | 262.43 | -10204.00% | 11614.00% | -60.00% | 73.47% | 0.38 | -48.72% | 2.85% | — | 66.05% | -36.52 | 0.72 | 0.62 | 0.03 |
| LNC | Lincoln National Corporat… | $34.30 | 6.52B | +94% | -60% | +50% | +74% | 5.35 | 0.58 | 0.35 | 1.96 | — | 0.65 | 57.34% | 7.35% | 6.46% | 12.28% | -53.22% | 0.29% | 0.57 | 5.89 | — | — | -2.07 | -6828.00% | 124.00% | -9168.00% | -2.65% | — | 7.55% | 6.60% | 35.30% | 66.74% | 2.29 | -18.36 | 0.17 | 0.12 |
| MFC | Manulife Financial Corpor… | $35.54 | 59.59B | +184% | -61% | -72% | — | 14.94 | 1.63 | 1.57 | 12.20 | 184.44 | 2.15 | 25.51% | 13.38% | 10.91% | 10.86% | 13.37% | 0.56% | 0.29 | 4.64 | — | — | -0.03 | 810.00% | -82741.00% | 2108.00% | 38.57% | — | 70.79% | 3.97% | 59.30% | 6.89% | 11.69 | 2.59 | 1.56 | 0.22 |
| PRU | Prudential Financial, Inc… | $98.38 | 34.24B | +31% | -59% | -41% | — | 9.83 | 1.08 | 0.58 | 8.61 | 27.11 | 3.89 | 42.04% | 7.87% | 5.88% | 11.86% | 32.97% | 0.47% | 1.03 | 2.27 | — | — | 2.76 | 3627.00% | -1401.00% | -2624.00% | 17.83% | — | 55.40% | 5.48% | 53.90% | 8.32% | 8.84 | 6.75 | 0.70 | 0.23 |
| PUK | Prudential plc | $30.75 | 40.12B | -17% | -75% | -53% | — | 8.06 | 1.49 | 3.21 | 9.68 | — | 2.04 | 100.00% | 36.28% | 28.07% | 18.34% | 11.82% | 1.82% | 0.27 | 17.27 | 4.25 | 1.07 | 0.78 | -3226.00% | -3201.00% | 34518.00% | 13.43% | 0.83 | 17.16% | 2.11% | 17.00% | 9.26% | 9.61 | 8.09 | 3.49 | 0.38 |
| UNM | Unum Group | $71.73 | 12B | -38% | -60% | -20% | -40% | 16.84 | 1.12 | 0.95 | 12.79 | — | 1.16 | 38.22% | 7.15% | 5.66% | 6.69% | 5.00% | 1.17% | 0.35 | 4.47 | — | — | 2.96 | -5476.00% | 207.00% | -5997.00% | 4.46% | — | 3.76% | 2.46% | 41.50% | 10.58% | 17.34 | 29.14 | 1.24 | 0.71 |
About MetLife, Inc.
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.
- CEO
- Michel Abbas Khalaf
- Employees
- 45K
- Beta
- 0.74
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($70.80 ÷ $80.23) − 1 = -11.75% (DCF, example).