MetLife

MET US Financials Life & Health Insurance
S&P 500
$97.14
+0.37%
Delayed · cached 15 min

Fair value analysis

MET
MetLife
FinancialsLife & Health Insurance
$97.14
Close used for this calculation
$79.66Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
55/100
Profitability14/25
Returns10/25
Balance Sheet18/25
Efficiency13/25
Growth4/25
Good
Quality radar
55Prof.14/25Ret.10/25Eff.13/25B.Sht18/25Growth4/25

Consensus fair value

$79.66
Above FV
▼ -18.0% against the close used
Model range $5.98 – $94.20
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$5.98Fair value$79.66Bull$94.20
FairClose
52-week traded range
52W low $67.7052W high $99.95

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

MetLife closed at $97.14, 21.9% above the consensus fair value of $79.66 drawn from 9 valuation models.

Financial DNA score 55/100 — Good. P/E of 20.6x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$88.28
-9.1%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8%, r=10%, tg=3%, n=10yr
Graham Number
$67.05
-31.0%
√(22.5 × EPS × BVPS)
EPS=4.71, BVPS=42.42 · outside Graham range (P/E 20.6, P/B 2.3) — asset-light, treat as a rough floor
P/E Fair Value
$94.20
-3.0%
EPS × 20x (sector P/E)
EPS=4.71, Sector P/E=20x
Peter Lynch (PEG)
$5.98
-93.8%
EPS × Growth% (PEG = 1 is fair)
EPS=4.71, g=1.3%
EV/EBITDA
$87.17
-10.3%
(EBITDA × 10x − Net Debt) ÷ Shares
EBITDA=6.25B
Dividend Discount (DDM)
$28.61
-70.5%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=2.24, r=10%, g=2%
Book Value (P/B)
$56.42
-41.9%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=42.42, ROE=12.3%, g=3%, r=10%
Reverse DCF
$97.14
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 7.6% | Historical: -1.3%
Margin of Safety
$62.38
-35.8%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=83.18, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.