MET · NYSE · STOCK
MetLife (MET) Stock Analysis
$94.37
52W $67.33 – $100.93
56/100
$60.70B
18.0
0.76
Is MET Bullish or Bearish?
Bullish.
Innellis AI committee rates MetLife Inc. (MET) Buy with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +18.86 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -1.14 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Risk Analyst remains cautious — current ratio of 0.19 is tight -- limited short-term liquidity cushion. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Dividend yield of 3.3% pays you to wait — Value
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- EPS declining -11.0% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.19 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 23, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 75%
of 211 Financial Services peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Dividend yield of 3.3% pays you to wait
Growth Analyst
neutral
56
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 4 consecutive earnings beats -- consistent execution
− EPS declining -11.0% YoY despite any revenue growth
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.19 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 56.1 to 56.1.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
38.2
Neutral
MACD Histogram
-0.706
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.09
Inside Bands
Price vs Moving Averages
EMA 9
$95.65
Below
EMA 21
$95.50
Below
EMA 50
$92.37
Above
EMA 200
$83.82
Above
Fundamental Analysis
Valuation
92
Growth
70
Profitability
25
Financial Health
94
Cash Flow
70
Valuation
P/E Ratio
18.0×
P/B Ratio
2.25×
PEG Ratio
-1.55
Dividend Yield
2.46%
52W High
$100.93
52W Low
$67.33
Quality & Growth
ROE
1189.9%
ROA
45.4%
Gross Margin
2555.2%
Operating Margin
619.0%
Revenue Growth YoY
—
Debt / Equity
0.74
AI Fundamental Assessment
P/E ratio of 18.0 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of -1.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.9%; Return on assets of 0.5%; Net margin of 4.6%; Gross margin of 25.6%; Current ratio of 453.01 (healthy short-term liquidity); Debt-to-equity of 0.74; Free cash flow per share is positive (25.42); Most recent quarter beat estimates by 4.9%; 4 consecutive earnings beats; EPS growth accelerating (-6.2% -> +0.4% QoQ); Average YoY EPS growth of 20.3%; Analyst estimates falling over recent quarters
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