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MetLife

MET
60
Insurance - Life · Financial Services
Also trades as: 0K0X.L
Price
$94.34
+0.88 (+0.94%)
Market Cap
$60.70B
Winston Score
60
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Quality
Good
Growth
Mixed
Cash Flow
Exceptional
Stability
Good
Valuation
Strong
Dividends
Good
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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)

Winston Score History

The full picture

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.

Politician Trades

27 trades / 12mo

13 Congressional buys and 14 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

+11.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+3.8% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

16.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$643.5B cash & investments

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

Growth + cash flow

MetLife is a rare growth stock that's already generating positive cash flow while growing at 12%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

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

Profit per sale
Gross Margin
100.0%
Premium pricing power — 100.0% gross margin
Profit after running costs
Operating Margin
3.7%
Thin — 3.7% operating margin
Return on the money invested
ROCE
9.5%
Below par — 9.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+9.3%
Steady sales growth (+9.3% YoY)
Profit growth
EPS YoY
-12.0%
Earnings shrinking (-12.0% YoY)

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

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
461%
Turns 461% of profit into real cash
Spare cash per sale
FCF Margin
21.0%
Converts sales into free cash efficiently (21.0%)

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

What it owes vs what it owns
Debt / Equity
0.74
Moderate — manageable debt (0.74)
Covers its interest
Interest Cover
5.68x
Adequate interest coverage (5.7x)

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

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Valuation

Price vs profit
P/E Ratio (TTM)
18.0x
Fair value — P/E 18.0

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

Cheaper or dearer next year
P/E vs Forward
+9.3
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (18.0 → 8.8)

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Dividends

Dividend
Dividend Yield
2.39%
Moderate income — 2.39% yield

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

Dividend record
Dividend Growth
+4.3%
Dividend growing modestly (4.3% YoY)

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