MetLife Inc. (MET) — RQD Stock Rating Cockpit

$100.02 -0.80% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $100.12

MetLife Inc. (MET) earns a Roarable Rating of B (Buy) with 72/100 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.

ROARABLE B • BUY Cap $64.08B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 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 2026-11-02, MetLife Inc. (NYSE: MET) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $100.02 (-0.80% 1D, market cap $64.08B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 17/20, 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 #72 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 (72/100 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 (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $75.52B) and SLF (Sun Life Financial Inc.) posts a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $45.56B). 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: $100.12 (+0.10%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 697.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510072
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 (17)SEC (15)Macro (13)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+6.3% Base Target
$125 Bull$106 Base$82 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 (72/100 Composite)
🔍 WHY MET SCORES 72/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (24% 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 (55.6) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
80
Grade A-$100.65+0.5% Next Q
Q2 (-2Q)
77
Grade B+$101.18-1.2% Next Q
Q3 (-1Q)
75
Grade B+$99.98+0% Next Q
Current
72
Grade B$100.02+7% Hist 90D α
Trajectory: A- (80) → B (72)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 72/100 (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 ($97.90) or 200D SMA ($85.92) invalidates the momentum regime and cuts Target Base ($106.32) toward Bear Floor ($82.02).

🎲 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”
RSI-14 MOMENTUMBULLISH MOMENTUM
55.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE90% OF RANGE
L: $67$100.02H: $104
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on MET

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (65)

1.6% ROIC with 42.0% gross margin and 22.00% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (73)

31/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like MET
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
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
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MET // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +26.69%📐 HORIZONTAL RANGE
2026-11-02O $99.64H $100.8L $99.64C $100.0VOL 2.96M
RES: $104.7SUP: $91.29SMA50: $97.90SMA200: $85.92
$105.8$96.98$88.20$79.41$70.62RES $104.7SUP $91.29$100.02026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

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 #72 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 #72 by composite RQD confidence (72/100, grade B) and #58 by equity capitalization ($64.08B). 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 72/100 (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 72/100 20.2x — 1.6% -0.80% $64.08B Benchmark Subject
MFC
Manulife Financial Corporation
C 64/100 32.8x — 9.9% -1.37% $75.52B /mfc-vs-met →
SLF
Sun Life Financial Inc.
C 64/100 32.8x — 9.9% -1.10% $45.56B /slf-vs-met →
PRU
Prudential Financial Inc.
C+ 69/100 11.3x — 10.9% -0.36% $40.32B /pru-vs-met →
PUK
Prudential Public Limited Company
D 50/100 32.8x — 9.9% +1.27% $30.48B /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 2026-11-02, MetLife Inc. (NYSE: MET) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $100.02 (-0.80% 1D, market cap $64.08B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 17/20, 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 #72 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 (72/100 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 (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $75.52B) and SLF (Sun Life Financial Inc.) posts a C grade (64/100 RQD, P/E 32.8x, ROIC 9.9%, cap $45.56B). 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 $100.02 (-0.80% on volume of 4,034,360 shares), positioning the stock +2.17% above its 50-day simple moving average ($97.90) and +16.41% above its 200-day simple moving average ($85.92). Across its 52-week range of $67.33 to $103.65, MET sits at the 90.0% percentile with a 14-day RSI of 55.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($96.02 to $104.02).

MET Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell MET stock right now?

MetLife Inc. (MET) currently earns a Roarable Rating of B (Buy — BUY) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 2% return on capital) with steady institutional support.

What is MET's 12-month price target and RQD AI Jury consensus?

MET's 12-month base price target is $106.32 (range $82.02 to $125.46), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 72/100 (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

Roarable Rating Brief: What This Means to a Prospective Investor

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

  • Fundamental cash engine: 13 / 20. Per the Roarable RQD rating, 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. Per the Roarable RQD rating, this pillar is the strongest and reflects institutional accumulation and options positioning.
  • Insider conviction: 14 / 20. Per the Roarable RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow, scoring moderately well.
  • Macro regime fit: 13 / 20. Per the Roarable RQD rating, this reflects a beta of 1.16 and sector sensitivity, indicating above-market price sensitivity.
  • Forensic balance sheet: 15 / 20. Per the Roarable RQD rating, 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.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
100.83$64.08B20.218.8554.992.36%1.16$67.33 - $103.651.6%

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts feed, six items relate to MET:

  • A market-wire item referencing a stock price, news, and quote page (1h ago).
  • A market-wire item announcing a fourth quarter 2026 common stock dividend declaration (3h ago).
  • A ChartMill item describing technical strength and a constructive breakout setup (6h ago).
  • A Fortune company profile item (9h ago).
  • A MarketBeat item on a 2026 stock forecast and price target (12h ago).
  • A Seeking Alpha item on momentum into Q3 earnings and a technical breakout (15h ago).

All six items carry a YELLOW light designation and a "MARKET WIRE" impact label. The dividend declaration is the only item with a specific corporate action named in its headline. Per the Butterfly Supply-Chain Graph, no proprietary signals are present.

Open Questions

  • What is the composition of revenue and the reason reported revenue ($2436.0M in FY 2025) is far below operating income ($6137.0M), given the gross margin of 0%?
  • What drove the increase in reported debt from $8246.5M in FY 2023 to $322310.2M in FY 2025, and how does that align with the Debt/Equity of 0.5?
  • Why is EPS reported as N/A across all periods while EPS (TTM) is 4.99?
  • What is the source and basis of the 55x EV/EBITDA multiple, and how does it reconcile with the 20.2x trailing P/E?
  • 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 $100.02?

🐂 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.
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $118.98 (+18.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is MET (B • RQD 72/100) a Buy at $100.83?

Welcome to the MET (MetLife Inc.) Roar Pit. Current RQD Composite is 72/100 (Roarable Buy — Good Risk/Reward) in Life Insurance. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $82.68 (-18.0%)
Spot @ $100.83

Pump the brakes on MET — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on MET, but look at what you are paying: 20.2x trailing P/E with tightening sector spreads. Unless MetLife Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $116.96 (+16.0%)
Spot @ $100.83

MET cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on MET, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $100.83 (52-wk range $67.33 - $103.65), any beat on forward guidance forces shorts and underweight funds to chase.

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