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Stock Ratings / Financials / MET / forecast
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MetLife Inc. (MET) 12-Month Stock Forecast & Price Target Cone

$100.94 +0.92% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $101.35

MetLife Inc. (MET) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 2% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →
ROARABLE B- • BUY Cap $63.56B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MET Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MET stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, MetLife Inc. (NYSE: MET) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $100.94 (+0.92% 1D, market cap $63.56B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, MET ranks #75 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MET compare to MFC and SLF in the Financials sector?
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Within the Financials sector (Life Insurance), MET carries a Roarable B- (71/100 RQD), trailing P/E of 20.2x, gross margin of —, and ROIC of 1.6%. By comparison, MFC (Manulife Financial Corporation) holds a C grade (62/100 RQD, P/E 32.8x, ROIC 9.9%, cap $74.48B) and SLF (Sun Life Financial Inc.) posts a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $45.06B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MET?
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Per MET's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001099219), MetLife Inc. generated $2.44B in revenue (+8.5% YoY), $3.17B in net income, and $16.98B in free cash flow against $745.17B in total assets and $322.31B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $101.35 (+0.41%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 697.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510071
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B-
Cash (13)Whales (16)SEC (15)Macro (13)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+5.8% Base Target
$126 Bull$107 Base$83 Bear
📬 FREE MET RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MET)Realized 20D OHLCV Swing Band: ±4%
Deterministic 5-Pillar Attribution (71/100 Composite)
🔍 WHY MET SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (23% of score)

20D Institutional Volume Accumulation (±4% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (52.3) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$99.72+2.5% Next Q
Q2 (-2Q)
66
Grade B-$102.18-2.5% Next Q
Q3 (-1Q)
68
Grade B-$99.64+1.3% Next Q
Current
71
Grade B-$100.94+6.8% Hist 90D α
Trajectory: C+ (63) → B- (71)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MET Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, MET faces multiple-compression risk if 20.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($97.98) or 200D SMA ($86.05) invalidates the momentum regime and cuts Target Base ($106.84) toward Bear Floor ($82.77).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MET• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MET Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 71%NO 29%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your MET Position Size: $10,000

Shares at $100.94: 99.1 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $82.77
$8,200
$-1,800 (-18.0%)
12M Consensus BaseTarget $106.84
$10,585
+$585 (+5.8%)
12M Bull Case BreakoutTarget $126.07
$12,490
+$2,490 (+24.9%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (34 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 23● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskOUTPERFORM$11174%A
Goldman SachsSector Coverage LeadBUY$11969%B
JP MorganUS Large-Cap ResearchHOLD$9558%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MET Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
MET // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.85%📐 HORIZONTAL RANGE
2026-11-03O $100.8H $100.9L $100.0C $100.9VOL 4.03M
RES: $104.8SUP: $91.25SMA50: $97.98SMA200: $86.05
$105.8$96.98$88.20$79.41$70.62RES $104.8SUP $91.25$100.92026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MET Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MET Butterfly Map → + Track MET →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
13.8%/yr Implied 5Y Growth

vs. +8.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on MET today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MET. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MET today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MET)

Financials Rank #75 of 1096 ⚔️ MFC vs MET Full Matrix →

1. Head-to-Head Financials Peer Comparison (MET vs. MFC, SLF, PRU, PUK)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, MetLife Inc. (MET) ranks #75 by composite RQD confidence (71/100, grade B-) and #56 by equity capitalization ($63.56B). Within this direct 5-issuer industry benchmark cohort, PRU leads on earnings valuation at 11.3x trailing P/E, while PRU leads on capital efficiency and profitability with 10.9% ROIC and — gross margin. MET currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MET ACTIVE
MetLife Inc.
B- 71/100 20.2x — 1.6% +0.92% $63.56B Benchmark Subject
MFC
Manulife Financial Corporation
C 62/100 32.8x — 9.9% +0.29% $74.48B /mfc-vs-met →
SLF
Sun Life Financial Inc.
C 64/100 32.8x — 9.9% -0.35% $45.06B /slf-vs-met →
PRU
Prudential Financial Inc.
C+ 67/100 11.3x — 10.9% +1.59% $40.18B /pru-vs-met →
PUK
Prudential Public Limited Company
D 50/100 32.8x — 9.9% +1.42% $30.87B /puk-vs-met →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001099219

In its most recent audited fiscal period (FY2025, filed 2025-12-31), MetLife Inc. (MET) reported GAAP revenue of $2.44B (+8.5% vs. FY2024 revenue of $2.25B , and +9.3% cumulative change since FY2023) , GAAP net income of $3.17B, operating cash flow of $17.09B, and free cash flow of $16.98B (+17.1% YoY). On the balance sheet, MET closed FY2025 with $745.17B in total assets against $322.31B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.44B $3.17B $17.09B $16.98B $745.17B $322.31B
FY2024 (FY) 2024-12-31 $2.25B $4.23B $14.60B $14.50B $677.46B $292.39B
FY2023 (FY) 2023-12-31 $2.23B $1.38B $13.72B $13.62B $35.24B $8.25B

3. MET Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MET stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, MetLife Inc. (NYSE: MET) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $100.94 (+0.92% 1D, market cap $63.56B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, MET ranks #75 in composite RQD confidence.

How does MET compare to MFC and SLF in the Financials sector?

Within the Financials sector (Life Insurance), MET carries a Roarable B- (71/100 RQD), trailing P/E of 20.2x, gross margin of —, and ROIC of 1.6%. By comparison, MFC (Manulife Financial Corporation) holds a C grade (62/100 RQD, P/E 32.8x, ROIC 9.9%, cap $74.48B) and SLF (Sun Life Financial Inc.) posts a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $45.06B). Among the 5-stock peer group, PRU leads on earnings multiple (11.3x) while PRU leads on capital efficiency (10.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MET?

Per MET's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001099219), MetLife Inc. generated $2.44B in revenue (+8.5% YoY), $3.17B in net income, and $16.98B in free cash flow against $745.17B in total assets and $322.31B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MET trading relative to its 50-day, 200-day, and 52-week technical levels?

MET last traded at $100.94 (+0.92% on volume of 2,908,414 shares), positioning the stock +3.02% above its 50-day simple moving average ($97.98) and +17.30% above its 200-day simple moving average ($86.05). Across its 52-week range of $67.33 to $103.65, MET sits at the 92.5% percentile with a 14-day RSI of 52.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($96.90 to $104.98).

Direct Sub-Reports: MET RQD Cockpit MET 12M Forecast MET Earnings & Move MET Dividends & DRIP MET Insiders & 13F MET Whale Options MET Profit Sankey MET News & Why
ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

MET — MetLife Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:10:41Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

MET scores 72 out of 100 (grade B, verdict "Roarable Buy — Good Risk/Reward"). The five pillars are:

  • Fundamental cash engine: 13 / 20. this pillar reflects ROIC of 1.6% and an FCF yield of 22%. The combination suggests strong cash generation relative to market value, but very low return on invested capital, which tempers how efficiently that capital is deployed.
  • Whale 13F flow: 17 / 20. this pillar is the strongest and reflects institutional accumulation and options positioning.
  • Insider conviction: 14 / 20. this reflects SEC Form 4 and Congressional PTR cluster flow, scoring moderately well.
  • Macro regime fit: 13 / 20. this reflects a beta of 1.16 and sector sensitivity, indicating above-market price sensitivity.
  • Forensic balance sheet: 15 / 20. this reflects an Altman Z-Score of 2.5, Piotroski F-Score of 7/9, and Debt/Equity of 0.5.

For a prospective investor evaluating the stock today, the rating points to mixed but generally constructive conditions. Institutional positioning and balance-sheet metrics are the main supports. The valuation tradeoff is visible in the market data: trailing P/E of 20.2 versus forward P/E of 18.8 implies expected earnings improvement per the market data, while EV/EBITDA of 55 and ROIC of 1.6% are elevated and weak respectively. Price at 100.83 sits near the top of its 52-week range of $67.33 – $103.65. This is an analytical framing of the scores, not a recommendation.

2. Business Model, Unit Margins & SEC Financial Trajectory

MetLife Inc. Is a NYSE-listed issuer in the Financials sector, operating in the Life Insurance industry. Per the market data, reported margins include an operating margin of 75% and a net margin of 68%. Revenue, customer base, and product lines are —

Net income moved from $1.38B in FY 2023 to $4.23B in FY 2024 and $3.17B in FY 2025, and FCF rose in each period shown. Per the market data, ROIC is 1.6%, and the gross margin is 0%. The Altman Z-Score is 2.5, the Piotroski F-Score is 7/9, and Debt/Equity is 0.5. Reported debt grew substantially across the three periods, and the FY 2023 cash figure is —

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case: Institutional accumulation and options positioning score 17 of 20 in the RQD rating, the strongest pillar, alongside a 22% FCF yield. With Fundamental Cash Engine at 13/20 (ROIC 1.6%, FCF yield 22.00%) and Institutional Whale Flow at 16/20, sustained execution supports upside toward the top of the $67.33 – $103.65 52-week range.
  • 🐻 Primary Bear Case: ROIC of 1.6% and an EV/EBITDA of 55 indicate weak capital efficiency and elevated valuation relative to earnings power. Investors must weigh 20.2x trailing P/E and 55.0x EV/EBITDA against 75.0% operating margins and a 1.16 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations beyond the Financials / Life Insurance classification, and second-order bottlenecks are —

  • Key Question #1: What drove the increase in reported debt from $8.25B in FY 2023 to $322.31B in FY 2025, and how does that align with the Debt/Equity of 0.5?
  • Key Question #2: Why is EPS reported as N/A across all periods while EPS (TTM) is 4.99?
  • Key Question #3: Who are the institutional holders and insiders behind the Whale 13F and insider conviction scores?

MET Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for MetLife Inc. (MET) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MET Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MET Bull vs. Bear Conversation Board — What's Your Call at $100.94?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MET 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MET:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA Institutional Buy-Side 🐂 BULLISH 🎯 Target: $125.02 (+25.0%)
📌 Pinned Debate

Institutional accumulation and options positioning score 17 of 20 in the RQD rating, the strongest pillar, alongside a 22% FCF yield.

Don't sleep on MET's setup in Financials. Institutional accumulation and options positioning score 17 of 20 in the RQD rating, the strongest pillar, alongside a 22% FCF yield.. Beta of 1.16 means it moves fast when momentum turns, and the 5-pillar RQD gauge (71/100) backs up the fundamental quality.

EarningsSniper 🐂 BULL

Both sides have a point here — MET's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

ME MeanReversion_88 Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $77.02 (-23.0%)
Spot @ $100.02

ROIC of 1.6% and an EV/EBITDA of 55 indicate weak capital efficiency and elevated valuation relative to earnings power.

I respect the product at MetLife Inc., but the stock at $100.02 is a different story. ROIC of 1.6% and an EV/EBITDA of 55 indicate weak capital efficiency and elevated valuation relative to earnings power.. FCF yield is 22.0% and RQD sits at 71/100 (B-) — why pay up here when you can wait for next quarter's numbers?

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