MET
MetLifeNYSEFinancialsInsurance - LifeSnapshot 2026-05-08
As of May 8, 2026, MET has a composite score of 11.5 and a signal label of "mild_favorable." This change reflects a significant increase in the company momentum score, which rose by 64.6 points to 11.8, and an improvement in the composite insight score, which increased by 17.4 points to 11.5. The valuation score also improved by 13.0 points, reaching 82.0, with its label changing from "fair" to "inexpensive." The analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)0.05
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Joint read: strong + robust historically delivered 80%+ NI-grew rate over T+1y in IT 2024–26 (small N).
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $2.49 → $2.51 (+0.8% / 30d). 2 raised, 7 cut, 8 covering analysts.
0 upgrades, 0 downgrades / 30d, 6 maintained. 67% of analysts rate Buy.
5 PT revisions / 30d. Avg target 25.3% above current price.
0 positive, 1 negative / 30d. See F4 management tile for the event list.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Deliver double-digit EPS growthgrowthmixed65% progressprovisional
2/4: “We are maintaining our near-term annual targets for double-digit adjusted earnings per share growth.”
Why this status
Stated in 2 of last 2 quarters. Adjusted EPS grew 21% to $2.34 in 2025-Q4. Management has reiterated the target for double-digit growth, and the trajectory shows delivering on this priority.
- 2.Maintain free cash flow ratiocapital allocationmixed30% progressprovisional
2/4: “We expect to maintain the two-year average annual ratio of free cash flow to adjusted earnings at 65% to 75%.”
Why this status
Newly stated in 2026-Q1. Management aims to maintain a free cash flow to adjusted earnings ratio of 65% to 75%. However, cash from operating activities was negative $4.195 billion in 2025-Q4, indicating limited progress towards this target.
- 3.Achieve variable investment income targetgrowthmixed65% progress
4/7: “The Company estimates that its variable investment income will be approximately $475 million to $525 million (pre-tax).”
Why this status
Newly stated in 2026-Q1. Management has set a target for variable investment income between $475 million and $525 million pre-tax. The financials do not provide specific data on this target, so progress is unclear.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 22%; 252d 23%.
Drawdown — Max 1y −17%. Bad day move −3%.
Beta to sector ETF (XLF) — 1.22 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 61/100, drawdown 65/100, beta 78/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- score change · company_momentum_scoreseverity 100
Company momentum rose by 64.6 points (from -52.8 to 11.8).
- score change · composite_insight_scoreseverity 35
Composite insight rose by 17.4 points (from -5.9 to 11.5).
- score change · valuation_scoreseverity 26
Valuation rose by 13.0 points (from 69.0 to 82.0).
- label change · signal_labelseverity 20
Signal changed from 'mixed' to 'mild_favorable'.
- label change · valuation_labelseverity 20
Valuation label changed from 'fair' to 'inexpensive'.
As of 2026-05-08, MET's company momentum score rose by 64.6 points, moving from -52.8 to 11.8. The composite insight score increased by 17.4 points, changing from -5.9 to 11.5. The valuation score improved by 13.0 points, rising from 69.0 to 82.0. Additionally, the signal label changed from 'mixed' to 'mild_favorable', and the valuation label changed from 'fair' to 'inexpensive'.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Deliver double-digit EPS growth
GrowthMaintain double-digit adjusted earnings per share growth, excluding total notable items.
MixedStated in 2 of last 2 quarters. Adjusted EPS grew 21% to $2.34 in 2025-Q4. Management has reiterated the target for double-digit growth, and the trajectory shows delivering on this priority.
Adjusted EPS up 21% to $2.3465%CEO/CFO:“We are maintaining our near-term annual targets for double-digit adjusted earnings per share growth.”Multiple sourcesSource dated 2026-02-04Stated 2 of last 8 quartersFirst seen 2026-02-04provisionalShow history (2)
- 2026-Q1Multiple sources
“We remain confident in delivering against the ambitious financial targets.”
- 2025-Q4Multiple sources
“Adjusted earnings per share, excluding total notable items, up 21% to $2.34.”
- #2
Maintain free cash flow ratio
Capital allocationMaintain the two-year average annual ratio of free cash flow to adjusted earnings at 65% to 75%.
MixedNewly stated in 2026-Q1. Management aims to maintain a free cash flow to adjusted earnings ratio of 65% to 75%. However, cash from operating activities was negative $4.195 billion in 2025-Q4, indicating limited progress towards this target.
30%CEO/CFO:“We expect to maintain the two-year average annual ratio of free cash flow to adjusted earnings at 65% to 75%.”Multiple sourcesSource dated 2026-02-04Stated 1 of last 8 quartersFirst seen 2026-02-04provisionalShow history (1)
- 2026-Q1Multiple sources
“We expect to maintain the two-year average annual ratio of free cash flow to adjusted earnings.”
- #3
Achieve variable investment income target
GrowthEstimate variable investment income to be approximately $475 million to $525 million pre-tax for the quarter.
MixedNewly stated in 2026-Q1. Management has set a target for variable investment income between $475 million and $525 million pre-tax. The financials do not provide specific data on this target, so progress is unclear.
65%CEO/CFO:“The Company estimates that its variable investment income will be approximately $475 million to $525 million (pre-tax).”Multiple sourcesSource dated 2026-04-07Stated 1 of last 8 quartersFirst seen 2026-04-07Show history (1)
- 2026-Q1Multiple sources
“The Company estimates that its variable investment income will be approximately $475 million to $525 million.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks cheaper than most peers in the same business.
Cheaper than its own typical valuation.
P/E over the last 5 years
65 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
MET MetLife | +12 | inexpensive | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-05-06)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-05-06)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-062d agoItem 2.02
Results of Operations and Financial Condition. On May 6, 2025, MetLife, Inc. issued (i) a news release announcing its results for the quarter ended March 31, 2026 (the “Earnings Release”), a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, (ii) a Quarterly Financial Supplement for the quarter ended March 31, 2026 (the “Quarterly Financial Supplement”), a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference and (iii)…
earnings preannouncementnegativescore 75
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.