Market Price

48.93 

0.27 0.6%

as of Dec 05 '19

52 Week Range:

37.76 51.16


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

MetLife, Inc. engages in the insurance, annuities, employee benefits, and asset management businesses. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa; and MetLife Holdings. The company offers life, dental, group short- and long-term disability, individual disability, accidental death and dismemberment, vision, and accident and health coverages, as well as prepaid legal plans; administrative services-only arrangements to employers; and stable value products, including general and separate account guaranteed interest contracts, and private floating rate funding agreements. It also provides pension risk transfers, institutional income annuities, tort settlements, and capital markets investment products; and other products and services, such as life insurance products and funding agreements for funding postretirement benefits, as well as company, bank, or trust-owned life insurance used to finance nonqualified benefit programs for executives. In addition, the company offers automobile, homeowners', and personal excess liability, as well as small business owners' property, liability, and business interruption insurance products. Further, it provides fixed annuities and pension products; medical and credit insurance products; variable, universal, term, endowment, and whole life insurance products; variable, and fixed and indexed-linked annuities; and protection against costs of long-term health care services. The company serves individuals, corporations and their employees, and other institutions and their members through independent agents, property and casualty specialists, sales forces, sales teams and relationship managers, and sponsoring organizations and affinity groups, as well as through career and independent agencies, bancassurance, direct marketing and e-commerce, brokers, and other third-party distribution channels. MetLife, Inc. was founded in 1868 and is headquartered in New York, New York.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 29.91
40.45
49.32
57.04
59.04
54.30
62.55
64.21
71.46
54.35
53.85
growth rate 35.2% 21.9% 15.7% 3.5% -8.0% 15.2% 2.7% 11.3% -23.9% -0.9%
Earnings BIT 5,090.00
-4,330.00
3,960.00
10,030.00
1,440.00
4,050.00
10,058.00
6,796.00
5,629.00
4,797.00
7,464.00
growth rate -100.0% 100.0% 153.3% -85.6% 181.3% 148.4% -32.4% -17.2% -14.8% 55.6%
Avg.PE 7.68
-9.90
14.86
4.97
30.49
18.52
9.72
8.78
87.17
13.67
9.14
growth rate -100.0% 100.0% -66.6% 513.5% -39.3% -47.5% -9.7% 892.8% -84.3% -33.1%
ROA 0.58
-0.46
0.42
0.88
0.15
0.38
0.69
0.58
0.08
0.48
0.71
growth rate -100.0% 100.0% 109.5% -83.0% 153.3% 81.6% -15.9% -86.2% 500.0% 47.9%
ROE 10.47
-8.33
6.53
12.38
1.93
5.15
9.26
7.36
1.03
6.20
8.94
growth rate -100.0% 100.0% 89.6% -84.4% 166.8% 79.8% -20.5% -86.0% 501.9% 44.2%
ROIC 7.72
-3.99
4.93
8.65
2.88
5.07
8.06
growth rate -100.0% 100.0% 75.5% -66.7% 76.0% 59.0%
Leverage 21.14
16.28
15.03
13.37
12.98
14.38
12.52
12.92
13.35
12.27
13.04
growth rate -23.0% -7.7% -11.0% -2.9% 10.8% -12.9% 3.2% 3.3% -8.1% 6.3%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 22,481.00
21,634.00
21,859.00
23,039.00
23,583.00
16,437.00
19,935.00
21,095.00
growth rate -3.8% 1.0% 5.4% 2.4% -30.3% 21.3% 5.8%
Acct.Payable 193.00
401.00
186.00
14,875.00
13,891.00
18,784.00
19,897.00
18,893.00
growth rate 107.8% -53.6% 7,897.3% -6.6% 35.2% 5.9% -5.1%
Cur.Assets 61,190.00
64,835.00
51,260.00
51,034.00
54,754.00
growth rate 6.0% -20.9% -0.4% 7.3%
Total Assets 501,678.00
539,314.00
730,906.00
796,226.00
836,781.00
885,296.00
902,337.00
877,933.00
898,764.00
719,892.00
687,538.00
growth rate 7.5% 35.5% 8.9% 5.1% 5.8% 1.9% -2.7% 2.4% -19.9% -4.5%
Cash 24,207.00
10,112.00
13,046.00
10,461.00
15,738.00
7,585.00
10,808.00
12,752.00
12,651.00
12,701.00
15,821.00
growth rate -58.2% 29.0% -19.8% 50.4% -51.8% 42.5% 18.0% -0.8% 0.4% 24.6%
Cur.Liabilities 59,109.00
59,690.00
53,315.00
52,564.00
49,355.00
growth rate 1.0% -10.7% -1.4% -6.1%
Liabilities 477,944.00
506,193.00
682,281.00
738,602.00
772,207.00
822,856.00
829,678.00
809,437.00
831,062.00
661,022.00
634,580.00
growth rate 5.9% 34.8% 8.3% 4.6% 6.6% 0.8% -2.4% 2.7% -20.5% -4.0%
LT Debt 13,425.00
21,708.00
36,074.00
58,094.00
52,849.00
49,239.00
38,668.00
75,047.00
69,576.00
72,046.00
67,032.00
growth rate 61.7% 66.2% 61.0% -9.0% -6.8% -21.5% 94.1% -7.3% 3.6% -7.0%
Equity 23,734.00
33,121.00
48,625.00
57,519.00
64,453.00
61,553.00
72,052.00
67,949.00
67,531.00
58,676.00
52,741.00
growth rate 39.6% 46.8% 18.3% 12.1% -4.5% 17.1% -5.7% -0.6% -13.1% -10.1%
Common Shares 745.00
818.00
890.00
1,068.00
1,077.00
1,116.00
1,143.00
1,128.00
1,109.00
1,079.00
1,013.00
growth rate 9.8% 8.8% 20.0% 0.8% 3.6% 2.4% -1.3% -1.7% -2.7% -6.1%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 1,170.00
579.00
786.00
1,534.00
1,942.00
growth rate -50.5% 35.8% 95.2% 26.6%
Cash Dividends 717.00
732.00
906.00
909.00
933.00
1,241.00
1,621.00
1,769.00
1,839.00
1,820.00
1,819.00
growth rate 2.1% 23.8% 0.3% 2.6% 33.0% 30.6% 9.1% 4.0% -1.0% -0.1%
Cash From OA 10,702.00
3,803.00
7,985.00
10,273.00
17,160.00
16,131.00
16,376.00
14,052.00
14,774.00
12,283.00
11,738.00
growth rate -64.5% 110.0% 28.7% 67.0% -6.0% 1.5% -14.2% 5.1% -16.9% -4.4%
FCF per Share 14.37
3.94
8.99
11.22
15.94
10.72
14.99
13.18
12.40
14.62
12.09
growth rate -72.6% 128.2% 24.8% 42.1% -32.8% 39.8% -12.1% -5.9% 17.9% -17.3%
Sale Purchase of Stock 145.00
1,000.00
1,000.00
1,000.00
-1,949.00
-372.00
-2,927.00
growth rate 589.7% 0.0% 0.0% -100.0% 0.0% 0.0%
FCF 10,703.00
3,224.00
7,996.00
10,290.00
17,160.00
16,131.00
16,376.00
14,129.00
14,827.00
12,283.00
11,738.00
growth rate -69.9% 148.0% 28.7% 66.8% -6.0% 1.5% -13.7% 4.9% -17.2% -4.4%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 50,984.00
41,057.00
52,247.00
70,241.00
68,150.00
68,199.00
73,265.00
61,257.00
60,732.00
62,266.00
67,915.00
growth rate -19.5% 27.3% 34.4% -3.0% 0.1% 7.4% -16.4% -0.9% 2.5% 9.1%
Op.Income 4,936.00
-4,618.00
3,729.00
6,391.00
1,314.00
3,391.00
10,058.00
6,796.00
5,629.00
4,797.00
7,464.00
growth rate -100.0% 100.0% 71.4% -79.4% 158.1% 196.6% -32.4% -17.2% -14.8% 55.6%
IBT 5,061.00
-4,334.00
3,729.00
9,184.00
1,442.00
4,052.00
8,804.00
5,651.00
4,281.00
3,536.00
6,307.00
growth rate -100.0% 100.0% 146.3% -84.3% 181.0% 117.3% -35.8% -24.2% -17.4% 78.4%
Net Income 3,209.00
-2,246.00
2,667.00
6,391.00
1,314.00
3,391.00
6,309.00
5,373.00
850.00
4,010.00
5,123.00
growth rate -100.0% 100.0% 139.6% -79.4% 158.1% 86.1% -14.8% -84.2% 371.8% 27.8%
EPS 4.14
-2.89
2.86
5.76
1.12
2.91
5.42
4.62
0.67
3.62
4.91
growth rate -100.0% 100.0% 101.4% -80.6% 159.8% 86.3% -14.8% -85.5% 440.3% 35.6%
Gross Profit 21,711.00
10,988.00
21,868.00
34,770.00
30,163.00
30,092.00
25,844.00
20,342.00
17,975.00
17,115.00
19,995.00
growth rate -49.4% 99.0% 59.0% -13.3% -0.2% -14.1% -21.3% -11.6% -4.8% 16.8%

Quarterly Statements

Item Name Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Earnings BIT 1,358.00
2,763.00
1,985.00
2,584.00
3,054.00
growth rate 103.5% -28.2% 30.2% 18.2%
Balance Sheet Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Acct.Receivable 21,410.00
21,095.00
21,823.00
21,764.00
21,903.00
growth rate -1.5% 3.5% -0.3% 0.6%
Acct.Payable 18,963.00
18,893.00
17,547.00
20,839.00
22,129.00
growth rate -0.4% -7.1% 18.8% 6.2%
Cur.Assets 52,079.00
54,754.00
54,594.00
58,529.00
62,737.00
growth rate 5.1% -0.3% 7.2% 7.2%
Total Assets 698,451.00
687,538.00
713,188.00
732,167.00
742,812.00
growth rate -1.6% 3.7% 2.7% 1.5%
Cash 12,490.00
15,821.00
14,506.00
18,435.00
19,452.00
growth rate 26.7% -8.3% 27.1% 5.5%
Inventory
growth rate
Cur.Liabilities 50,933.00
49,355.00
53,395.00
54,944.00
55,256.00
growth rate -3.1% 8.2% 2.9% 0.6%
Liabilities 646,642.00
634,580.00
654,450.00
668,121.00
674,193.00
growth rate -1.9% 3.1% 2.1% 0.9%
LT Debt 68,627.00
67,032.00
68,946.00
70,321.00
68,805.00
growth rate -2.3% 2.9% 2.0% -2.2%
Equity 51,625.00
52,741.00
58,509.00
63,811.00
68,368.00
growth rate 2.2% 10.9% 9.1% 7.1%
Common Shares 12.00
12.00
12.00
12.00
12.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Capital Expenditures
growth rate
Cash Dividends 451.00
472.00
437.00
476.00
445.00
growth rate 4.7% -7.4% 8.9% -6.5%
Cash From OA 3,533.00
1,301.00
2,072.00
2,387.00
4,146.00
growth rate -63.2% 59.3% 15.2% 73.7%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Sales 16,284.00
15,667.00
16,302.00
17,497.00
18,678.00
growth rate -3.8% 4.1% 7.3% 6.8%
Op.Income 1,358.00
2,763.00
1,985.00
2,584.00
3,054.00
growth rate 103.5% -28.2% 30.2% 18.2%
IBT 1,079.00
2,471.00
1,744.00
2,297.00
2,791.00
growth rate 129.0% -29.4% 31.7% 21.5%
Net Income 912.00
2,067.00
1,381.00
1,741.00
2,184.00
growth rate 126.6% -33.2% 26.1% 25.5%
EPS
growth rate
Gross Profit 4,543.00
5,871.00
4,969.00
5,687.00
6,234.00
growth rate 29.2% -15.4% 14.5% 9.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (7.96)

YOY Growth Grade:

F (15.80)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 6.62 6.54 8.22
EPS / Growth -7.3% 7.48 15.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 5.61 5.61
Future EPS 8.27 8.27 8.27
Value Price
MOS %
4.09
-91.6%
11.47
-76.6%
11.47
-76.6%
MOS Price 2.04 5.74 5.74
IRT 6.30 6.30 6.30

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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