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MetLife

MET
49
Insurance - Life · Financial Services
Price
$94.00
+0.30 (+0.32%)
Market Cap
$60.48B
Winston Score
49
Winston is serious
Mixed quality — meaningful strengths and weaknesses.

Share count falling — buybacks

−23.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 869.4M (2021) → 665.0M (2025)

MetLife is one of the largest life insurance companies in the world. It sells life insurance, dental and vision coverage, disability insurance, and retirement products to individuals and businesses. Many of its customers are employees who get MetLife benefits through their workplace.

MetLife makes money by collecting premiums from policyholders and investing that money to earn returns. It operates in over 40 countries, with major businesses in the United States, Asia, and Latin America. Its large scale and long-standing relationships with employers give it a stable base of customers that is hard for smaller rivals to take away. The biggest risk MetLife faces is a prolonged low-interest-rate environment, which compresses the returns it earns on its investment portfolio and puts pressure on profitability — a challenge common across the life insurance industry.

Winston Score History

Politician Trades

29 trades / 12mo

12 Congressional buys and 17 sells on MET in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+29.1% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-34.6% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

16.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$22.0B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

MetLife grew revenue 29% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin
30.5%
Modest — 30.5% gross margin
Operating Margin
4.7%
Thin — 4.7% operating margin
ROCE
2.3%
Weak — 2.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
+8.6%
Steady sales growth (8.6% YoY)
EPS YoY
-21.2%
Earnings shrinking (-21.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency
2/8 quarters
Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion
536%
Turns 536% of profit into real cash
FCF Margin
23.8%
Converts sales into free cash efficiently (23.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity
0.71
Moderate — manageable debt (0.71)
Interest Cover
4.39x
Adequate interest coverage (4.4x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

P/E Ratio (TTM)
19.9x
Fair value — P/E 19.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
+11.7
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (19.9 → 8.2)

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Dividends

Dividend Yield
2.55%
Moderate income — 2.55% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth
+4.2%
Dividend growing modestly (4.2% YoY)

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