CluenexMetlife MET
Metlife scores average on business quality (4.6 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Metlife does
MetLife provides insurance, annuities, and employee benefit programs to corporate and retail clients, collecting premiums and fees. The company is leaning into higher-yield environments, utilizing its $22.0B cash position to back its underwriting scale.
- What it does best
MetLife excels at massive institutional benefit underwriting, generating $15.6B in operating cash flow. Its scale in group insurance creates sticky employer relationships that smaller peers struggle to match.
- The main risk
With an operating margin of 7.4% sitting in the bottom quartile of its sector, underwriting profitability remains vulnerable to volatile claims and shifting macroeconomic yields.
Quality, check by check
Scored against its own industry, from company filings.
Operating margin rests at 7.4%, trailing peers like AFL's 33.5% and pointing to modest margin expansion as scale builds.
Enterprise client lock-in anchors its moat, though its operating margin ranking in the bottom quartile of its sector highlights structural limits.
Revenue grew at 8.4% over the latest period to $79.3B, improving compared to prior annual stagnation.
Debt-to-equity sits at 0.7 with interest coverage at 5.4x, keeping debt costs manageable while cash flow remains solid.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on MET
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Metlife scores average on the Cluenex quality check (4.6 of 10), measured against its own industry. Profitability is weak, moat weak, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Nov 4, 2026, after the close.
See MET today
- Today's verdict on MET, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Metlife (MET)”, https://cluenex.com/stocks/met/, data as of Oct 10, 2026.