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MetLife Inc (MET)

合理估值
Financial ServicesInsurance - LifeUnited States

基本面

46

价格

$92.36

市值

$60.89B

第一部分 · 这家公司值多少

概览

MetLife, Inc., a financial services company, provides insurance, annuities, employee benefits, and asset management services worldwide. It operates in six segments: Group Benefits; Retirement and Income Solutions; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short-and long-term disability, paid family and medical leave, individual disability, accidental death and dismemberment, accident and health, vision, and pet insurance, 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 offers fixed, indexed-linked, and variable annuities; pension products; regular savings products; whole and term life, endowments, universal and variable life, and group life products; longevity and funded reinsurance solutions; credit insurance products; accident & health products covering hospitalization, cancer, critical illness, income protection, and scheduled medical reimbursement plans; and protection against long-term health care services. The company was incorporated in 1999 and is based in New York, New York.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 2026年9月19日 with claude-haiku-4-5 — shared with all users

P/E: 10.3Score: 63Market cap: $40.05B

Prudential bids against MetLife for the same large-employer group life and disability contracts and for the same pension risk transfer and institutional retirement mandates in the United States, often splitting the biggest deals between the two.

P/E: 20.4Score: 55Market cap: $14.42B

Unum sells the same workplace benefits package — group disability, group life and voluntary coverages — to the same US employers and brokers that MetLife's Group Benefits segment serves.

P/E: 7.9Score: 83Market cap: $34.14B

The Hartford's Employee Benefits arm competes head-on with MetLife for group life, disability and absence-management programmes at US employers of every size.

P/E: 12.1Score: 65Market cap: $56.93B

Aflac competes with MetLife in the same two markets that matter most to it: voluntary supplemental benefits sold at the US workplace, and life and health policies sold to Japanese households.

P/E: 16.1Score: 59Market cap: $24.66B

Principal chases the same small and mid-sized employers for group benefits and workplace retirement plans, and competes with MetLife Investment Management for institutional asset mandates.

Lincoln National CorporationLNC

Lincoln's Group Protection unit and its individual life and annuity lines target the same US employers and retail savers that MetLife pursues.

资产负债表与流动性

营收

$2.68B

最近12个月(截至2026/6/30)

净利润

$3.63B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$28.40B

负债合计

$716.25B

流动比率

0.19

利息覆盖率

8.48

债务/EBITDA

2.43

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

保险合理估值

公允价值

$78.06

当前价格

$92.36

安全边际

-18.3%

公允价值区间

$56.93 - $99.20

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$105.75
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$46.32
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$79.02
股息折现模型(戈登模型):$53.74
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:买入 (17B / 7H / 0S)
最近财报超预期:+4.93%

估值指标

市盈率(P/E)

18.00

ROE

11.9%

市净率(P/B)

2.18

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

7.9%

ROIC − WACC

-

基本面分析标准

通过(11)

  • Price CAGR 7.30%
  • P/B Ratio 2.18
  • Operating Margin 245.0%
  • Interest Coverage
  • Debt/EBITDA
  • Low reliance on intangibles
  • ROE 12.9%
  • Analyst Consensus 71% Buy
  • Earnings Surprise avg 5.2%
  • Earnings Quality (OCF/NI) 4.29
  • Share Dilution -3.7%

未通过(9)

  • EPS shows upward trend
  • EPS CAGR -0.84%
  • Debt/Equity ratio
  • Return on Tangible Assets
  • Price below Graham Number
  • DCF valuation (Unknown)
  • Revenue Growth 5Y 2.6%
  • Net Margin Trend 135.3% vs 184.4%
  • Piotroski F-Score 4/9

不可用(8)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-评分

4/9

信号混杂:部分领域需关注

score
criteria

盈利质量

4.29

高质量:盈利有现金流支撑

股权稀释

-3.7%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
Mr. Michel Abbas KhalafCEO, President & Director-
Mr. Bill PappasExecutive VP and Head of Global Technology & Operations55
Ms. Marlene Beverly DebelExecutive VP, Chief Risk Officer & Head of Insurance Investments58
Mr. Ramy TadrosRegional President of U.S. Business & Head of MetLife Holdings49
Mr. John Arthur HallSenior VP, Head of Investor Relations & Executive VP and Treasurer-
Ms. Monica M. CurtisExecutive VP, Chief Legal Officer & Head of Government Relations42
Ms. Jane SlusarkChief Communications Officer-
Mr. Michael RobertsExecutive VP & Chief Marketing Officer-
Ms. Shurawl SibbliesExecutive VP & Chief Human Resources Officer53
Mr. Randy StramSenior Vice President of Group Benefits-

审计风险

4

董事会风险

3

薪酬风险

1

股东权利风险

9

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-19

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-06

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-09-24

    查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for MET, sourced from Markets Gazette.

  • 8/5/2026POSITIVE
    MetLife’s Earnings Beat Wall Street Expectations

    MetLife Inc. reported second-quarter earnings that exceeded Wall Street's projections, driven by robust underwriting performance and significant volume growth. The company's success is attributed in part to its strategic five-year plan, initiated in late 2024, which appears to be yielding positive results. This earnings beat suggests effective operational management and strategic execution, potentially signaling a favorable outlook for the insurance giant. Investors will be watching for continued momentum and the long-term impact of the company's strategic initiatives.

  • 5/28/2026NEUTRAL
    MetLife Clashes With Ares Over Struggling Football Investment

    MetLife Inc. is reportedly in a dispute with Ares Management regarding the restructuring of Eagle Football, a holding company with stakes in several football clubs, notably Olympique Lyonnais. The disagreement centers on the financial strategy and future direction of the football investment group. While the specific details of the clash are not fully disclosed, such disputes can introduce uncertainty for investors in the involved entities. The outcome could impact the valuation and operational stability of the football assets.

  • 5/6/2026POSITIVE
    MetLife’s Improved PE Returns Lift Earnings Above Expectations

    MetLife Inc. reported first-quarter earnings that exceeded Wall Street consensus, primarily driven by enhanced returns from its private equity investments. The insurer's ability to leverage its private equity portfolio for higher gains signals effective asset management and a robust strategy in alternative investments. This performance suggests a positive outlook for MetLife's financial health and could be interpreted by investors as a sign of strong operational execution and potential for future growth, especially in its alternative asset classes.

  • 2/24/2026NEUTRAL
    Polymarket users favor Meteora in bets over ZachXBT crypto takedown

    Polymarket users have wagered over $7 million on the outcome of the investigation by prominent crypto sleuth ZachXBT, with an announcement expected on Thursday. The betting patterns indicate a preference for Meteora, suggesting many investors believe the DeFi protocol will navigate the inquiry without severe repercussions. This speculative activity underscores the high tension and uncertainty surrounding crypto projects under scrutiny, as the market attempts to anticipate the impact of potential 'takedowns'. The impending announcement will be crucial in determining the future direction of the MET token, introducing potential volatility.

via Markets Gazette