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What this page is: Delvantic's full research page for MetLife Inc. (MET) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
Our current read (analysis of 2026-08-25): Designation Watch · Gem Score +5 (−100…+100 Quality+Value blend) · Quality 55 · Value -36 · Sentiment 10 (timing only, not weighted) · Composite fair value $102.70 vs $96.80 at analysis
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MetLife Inc.
MET NYSEMetLife Inc. is a global financial services company that provides insurance, annuities, employee benefits, and asset management solutions to individual and institutional customers. Its product range includes life insurance, retirement income products, group benefits, and workplace protection offerings such as dental, disability, and supplemental coverage. The company serves employers, organizations, and consumers through a broad portfolio designed to address protection, savings, and risk-management needs across different life stages. MetLife operates through major business segments spanning Group Benefits, Retirement and Income Solutions, Asia, Latin America, Europe, the Middle East and Africa, and MetLife Holdings, giving it exposure to multiple insurance and benefits markets worldwide. Headquartered in New York, MetLife remains a prominent participant in the global insurance industry through its diversified mix of protection and retirement-related services.
Price Overview
Price History (1 Year)
Revenue & Net Income Trend
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
EPS (Diluted): 4.84
Total Equity: $28.92B
Shares: 697,879,800
Total Debt: $355.00M
Cash: $22.03B
EBITDA: N/A
Total Debt: $355.00M
Cash: $22.03B
Revenue: $75.65B
Revenue: $75.65B
Revenue: $75.65B
Total Equity: $28.92B
Tax Rate: 27.0%
Equity: $28.92B
Total Debt: $355.00M
Cash: $22.03B
Current Liabilities: N/A
Long-Term Debt: $0.00
Total Debt: $355.00M
Total Equity: $28.92B
Shares: 697,879,800
Shares: 697,879,800
CapEx: $0.00
Shares: 697,879,800
Stock Price: $97.07
Net Income: $3.38B
Industry Benchmarks
Income Statement (Annual)
Last updated: Aug 11, 2026 12:45pm (14d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $63.7B | $67.8B | $66.4B | $69.9B | $75.7B |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $6.4B | $6.5B | $6.8B | $6.8B | $7.2B |
| Operating Income | — | — | — | — | — |
| Net Income | $6.9B | $5.3B | $1.6B | $4.4B | $3.4B |
| EBITDA | — | — | — | — | — |
| EPS | $7.70 | $3.02 | $1.81 | $6.13 | $4.84 |
| EPS (Diluted) | $7.70 | $2.91 | $1.81 | $6.13 | $4.84 |
Balance Sheet (Annual)
Last updated: Aug 11, 2026 12:45pm (14d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $20.0B | $20.2B | $20.6B | $20.1B | $22.0B |
| Total Current Assets | — | — | — | — | — |
| Total Assets | $759.7B | $666.6B | $687.6B | $677.5B | $745.2B |
| Current Liabilities | — | — | — | — | — |
| Long-Term Debt | — | — | — | — | — |
| Total Liabilities | $692.0B | $639.3B | $657.3B | $649.8B | $716.2B |
| Total Equity | $67.7B | $27.3B | $30.3B | $27.7B | $28.9B |
| Retained Earnings | $41.2B | $42.0B | $40.1B | $42.6B | $44.3B |
Cash Flow (Annual)
Last updated: Aug 6, 2026 4:42am (19d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $12.6B | $13.2B | $13.7B | $14.6B | $17.1B |
| Capital Expenditure | — | — | — | — | — |
| Free Cash Flow | — | — | — | — | — |
| Acquisitions (net) | $0 | -$35.0M | $0 | $0 | -$738.0M |
| Net Debt Issued / (Repaid) | $29.0M | $1.0B | $2.0B | $1.6B | $743.0M |
| Dividends Paid | -$1.6B | -$1.6B | -$1.6B | -$1.5B | -$1.5B |
| Stock Buybacks | -$4.3B | -$3.3B | -$3.1B | -$3.2B | -$2.9B |
| Net Change in Cash | -$444.0M | $79.0M | $444.0M | -$571.0M | $2.0B |
Growth Trends (YoY %)
Last updated: Aug 11, 2026 12:45pm (14d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +6.5% | -2.1% | +5.3% | +8.2% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | -22.9% | -70.1% | +180.5% | -23.7% |
| EBITDA Growth | — | — | — | — |
Dividend History (Last 20)
Last updated: Aug 11, 2026 12:46pm (14d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-08-04 | $0.59 | — | — | — |
| 2026-05-12 | $0.59 | — | — | — |
| 2026-02-03 | $0.57 | — | — | — |
| 2025-11-04 | $0.57 | — | — | — |
| 2025-08-05 | $0.57 | — | — | — |
| 2025-05-06 | $0.57 | — | — | — |
| 2025-02-04 | $0.55 | — | — | — |
| 2024-11-05 | $0.55 | — | — | — |
| 2024-08-06 | $0.55 | — | — | — |
| 2024-05-06 | $0.55 | — | — | — |
| 2024-02-05 | $0.52 | — | — | — |
| 2023-11-08 | $0.52 | — | — | — |
| 2023-08-07 | $0.52 | — | — | — |
| 2023-05-08 | $0.52 | — | — | — |
| 2023-02-06 | $0.50 | — | — | — |
| 2022-11-07 | $0.50 | — | — | — |
| 2022-08-08 | $0.50 | — | — | — |
| 2022-05-09 | $0.50 | — | — | — |
| 2022-02-07 | $0.48 | — | — | — |
| 2021-11-08 | $0.48 | — | — | — |
Deep Analysis
Risk : Reward — if the last quarter repeats
Live · as of 2026-08-19 09:08Recovery pays +58%; another quarter like the worst recent one costs 46%. Ratio 1.3:1. Caveat: revenue-DCF fits financials poorly (reported revenue omits net interest) — treat the legs as rough.
| Case | Growth | Margin | Fair value | vs price ($96.80) |
|---|---|---|---|---|
| Bull — recovery | +10% | 9.2% | $152.96 | +58% |
| Base — stabilizes | +7% | 8.0% | $120.48 | +24% |
| Bear — keeps slipping | +3% | 6.8% | $92.90 | -4% |
| Stress — last quarter repeats | -6% | 5.1% | $52.56 | -46% |
Narrative Economics
market-narrative step).
AI Lens 4th lens · how AI reaches this business · 5-yr
2026-08-12Group benefits and Asia run on enormous volumes of routine adjudication — dental claims, disability case management, enrollment servicing, call centers — where AI compresses both administrative expense and loss-adjustment expense, and better disability triage can improve return-to-work outcomes, lowering the loss ratio itself rather than just G&A.
Group dental, term life and disability are broker-mediated, price-shopped commodities on 1-3 year repricing cycles; if every carrier's expense ratio falls together, the savings are competed back to employers and brokers rather than retained as underwriting margin.
Whether AI-driven expense reduction shows up as sustained group-benefits underwriting margin above the stated target range, or as flat margin with lower pricing. Watch the group benefits expense ratio and underwriting margin together over consecutive renewal seasons.
Statutory capital and reserves, state/foreign licensing, financial-strength ratings that gate pension risk transfer mandates, the national dental PPO network, and multi-decade employer and broker relationships across 40+ markets — none of which cheap software reproduces.
AI Lens thesis
MetLife is a capital-and-liability business wearing an information-processing coat: the coat is highly automatable, the body is not. Cheap intelligence attacks the ~expense layer — underwriting triage, claims adjudication, servicing, actuarial modeling, and private-credit diligence at MIM — while the earnings engine remains spread income on a ~$600B+ invested asset base plus mortality/morbidity/longevity risk transfer that requires regulated capital an AI-native entrant cannot conjure. So the direct downside risk is not disintermediation but value leakage: in commoditized employer benefits, expense savings tend to be handed to the buyer at renewal. The genuinely underappreciated AI channel runs the other way — through the liability side, where AI-accelerated medical progress lengthens lives and strains payout annuity and pension risk transfer reserves, and where wearable/genomic-informed consumers can adversely select against underwriting rules that regulation freezes in place.
What the market may be underestimating
Upside MetLife Investment Management's private credit and structured origination scales with underwriting throughput; AI diligence lets the same credit team monitor a far larger book, converting third-party AUM growth into fee income without a proportional cost base.
Downside AI-accelerated therapeutics are a longevity shock to a company that has sold guaranteed lifetime income and taken on pension risk transfer blocks — mortality improvement is a reserve charge, and it arrives silently through assumption reviews, not through competition.
Outcome range spread 33
Claude Reading
MetLife's raw numbers show a company whose top line is growing respectably (5-year revenue CAGR 6.7%, TTM revenue ~$77.6B, up from $63.65B in 2021) but whose bottom line has gone sideways-to-down: 2021 NI of $6.86B, 2022 $5.28B, 2023 $1.58B (rate shock), 2024 $4.43B, 2025 $3.38B. That is not a "steady compounder" earnings profile — that's cyclical earnings on a growing revenue base, with 2025 NI actually 51% below 2021 despite revenue being 19% higher. The 46.3% earnings CAGR the momentum module cites is a math artifact of a depressed 2023 base; the more honest read is that earnings power has degraded. Recent YoY NI is -23.7%, and Q4 2025 margin collapsed to 3.4% on the biggest revenue quarter of the year — that's a negative operating leverage tell, not "accelerating."
The balance sheet framing is misleading in the file. Total debt of $355M against $22B cash looks fortress-like, but MetLife is a life insurer — the real "liabilities" are policyholder reserves and separate account obligations that don't show up in the "total debt" line but absolutely determine capital adequacy. ROA of 0.45% is normal for a life insurer precisely because the balance sheet is enormous (~$750B+ in assets vs. $28.9B equity — roughly 26x leverage on tangible operations). ROE of 11.7% is fine, not exceptional; the sector's better operators (e.g., Aflac at times, Progressive on the P&C side which isn't comparable) run higher. Book value multiple of 2.34x is on the richer end of MetLife's own decade-long range (which has oscillated 0.8x-1.5x historically), meaning the market is paying up for a normalized ROE that hasn't yet been demonstrated post-2023.
I partially dissent from the synthesis "fair_value at $91" verdict — I think it's slightly generous. The pre-flight thesis correctly notes the market is pricing 20x P/E on trailing earnings that are cyclically depressed by variable annuity hedging and rate volatility; bulls will argue normalized EPS is closer to $8-9 (vs. TTM ~$4.85 implied by the P/E), which would make this cheap. But that's a bet on rate stability and no new reserve charges, and the Q4 2025 margin compression is a warning that hedge results and long-duration liability revaluations are still noisy. The narrative module's "93% fundamentals / 7% narrative" split feels right in direction but the fundamentals themselves are weaker than the modules acknowledge — recent_earnings_yoy of -23.7% inside a "high revenue confidence, accelerating" tag is a real contradiction the models glossed over. Revenue is accelerating because rates lifted premium and investment income; earnings aren't following because claim costs, hedging, and expense inflation are eating it.
A careful contrarian would note three things: (1) at 2.34x book with declining ROE, MET is trading like it's already earned back the 2021 profitability level — it hasn't; (2) the 2.4% dividend yield with 45% payout ratio is safe but unspectacular versus 10-year Treasury ~4-4.5%, so the yield thesis is weaker than the bull story suggests; (3) life insurers are dangerous longs into a rate-cut cycle because net investment income rolls off while liabilities don't reprice as fast — if the Fed cuts materially in 2026, 2025's already-compressed margins get worse before they get better. My fair value read is $85-90 on normalized 2026 EPS of ~$5.50-6.00 at a 15-16x multiple (appropriate for a low-growth insurer with cyclical earnings), which puts current $97 roughly 8-12% overvalued, not fairly valued. Not egregiously mispriced, but I wouldn't chase, and I'd want to see two clean quarters of margin recovery (above 6%) before adding. The synthesis at $90.84 is directionally right but I'd push slightly lower and I'd challenge the "steady compounder" framing that pervades the narrative layer — this is a rate-sensitive cyclical dressed as a compounder.
GPT Reading
What jumps out first is that the headline valuation looks more expensive than the underlying earnings power justifies. At $97, MetLife is valued at about $61.7B against 2025 net income of $3.38B, which is the stated 20x P/E, and that is rich for an insurer whose recent profitability has actually weakened. Revenue grew from $69.9B in 2024 to $75.7B in 2025, up 8.2%, but net income fell from $4.43B to $3.38B, down 24%, so the business is not converting top-line growth into better shareholder economics. Quarterly margins tell the same story: 7.3% and 6.8% in the back half of 2024 deteriorated to 5.1%, 4.2%, 5.2%, and 3.4% through 2025, before only a partial recovery to 6.2% in the latest quarter. For a company being treated as a steady compounder, that is too much earnings slippage.
The balance sheet data is superficially comforting but also easy to overread. Yes, $22.0B of cash against just $355M of debt looks absurdly strong, and on the provided figures the debt-to-equity ratio of 0.01 is almost de minimis. But for an insurer, the real economic obligations are not captured by plain corporate debt alone; the important question is return on capital through the liability structure, and on that score the company is merely decent, not exceptional. Book equity is $28.9B and the stock trades at 2.34x book while generating 11.7% ROE. That multiple/return pairing is not a bargain. A 2.3x P/B stock usually wants either structurally higher ROE or clearer growth than MetLife is currently showing. With net margin at just 4.5% on the annual numbers and ROA at 0.45%, the current price already assumes that earnings pressure in 2025 was transitory and that the company can get back closer to 2024–2022 profit levels without much friction.
Cash flow is the best bullish datapoint, but I still think the market is paying full price for it. Operating cash flow of $17.1B in 2025 is huge relative to net income, and the 44.7% payout ratio plus 2.4% dividend yield leaves room for capital return. That supports downside better than it supports upside. The problem is that the market is not valuing MetLife like a stressed insurer; it is valuing it like a dependable capital return vehicle already past the messy part of the earnings cycle. If I annualize the latest quarter’s $1.19B of net income, I only get roughly $4.8B run-rate earnings, which would still imply about 13x market cap to earnings if sustained — not excessive, but hardly cheap given how variable the last five years have been: $6.86B in 2021, $5.28B in 2022, $1.58B in 2023, $4.43B in 2024, then back down to $3.38B in 2025. That is not a smooth compounding profile; it is a cyclical, market-sensitive earnings stream wearing the label of stability.
The strongest case against my read is straightforward: revenue is growing, the latest quarter improved year over year on both revenue and margin versus 2025-03-31, and insurers often look optically expensive on P/E at the wrong point in the cycle just before earnings recover. If 2025 was an earnings trough, then paying 20x trailing could quickly become 12–14x forward. The latest quarter’s revenue of $19.07B was up from $18.57B a year earlier, and net income of $1.19B was up 26% from $945M. Add the fortress-like liquidity, low reported leverage, and durable operating cash generation, and a bull can reasonably argue the market is looking through temporary spread, claims, or investment volatility. I weigh that less heavily because the stock is not at a distressed multiple that gives you free optionality on normalization; at nearly 0.9x sales and 2.34x book, investors are already paying for a normalized outcome.
What would change my mind is evidence that the latest quarter is the start of a real earnings re-acceleration rather than noise. Two or three consecutive quarters with net income above $1.2B and margins sustaining above 6.5%, while revenue holds above an $18B quarterly run rate, would make the current price look more justified. More specifically, if 2026 can track toward at least $4.8B-$5.2B of net income — closer to 2022/2024 levels than 2025’s $3.38B — then the stock at $97 moves from full to reasonable. Absent that, I think fair value is lower, roughly in the high $80s to low $90s, where the company’s capital-return qualities are paid for but the earnings volatility is not ignored.
Grok Reading
The numbers paint a mature insurer that is growing the top line while steadily losing ground on the bottom line. Revenue climbed to $75.65B in 2025 from $69.94B the prior year and $66.41B in 2023, a respectable mid-single-digit trajectory that matches the 6.7% CAGR and the recent 8.2% year-over-year print. Operating cash flow of $17.09B against a $61.7B market cap is fortress-grade, and the balance sheet is almost absurdly clean: $22B cash, $355M debt, and a 0.01 debt-to-equity ratio. That is not the problem. Net income is. 2025 delivered only $3.38B of NI versus $4.43B in 2024 and a multi-year peak of $6.86B in 2021; the trailing quarterly margins have compressed into the 3–6% band after spending 2024 closer to 5–7%. The advertised 46% earnings CAGR is an artifact of the 2023 trough ($1.58B) and collapses once you look through the cycle. At $97 on a 20x P/E, 2.34x book, and an 11.7% ROE, the market is paying a full multiple for a business whose earnings power is drifting lower, not higher. A 2.4% dividend yield and 45% payout are fine but do not compensate for that compression.
The valuation synthesis’s ~$91 fair-value anchor is directionally right and, if anything, charitable. A 2.3x price-to-book on sub-12% ROE implies the market still embeds net-interest-margin expansion and capital-return optionality that 2025 results did not deliver. Recent quarters show the pattern clearly: the $23.81B revenue spike in Q4 2025 produced only $809M of NI (3.4% margin), while the cleaner $19.07B print in the following quarter still only cleared 6.2%. Revenue confidence is high and the trend is accelerating; earnings quality is not. For a scale life insurer, that divergence is the story—volume is there, underwriting and spread economics are not keeping pace.
The strongest counter-case is the cash-flow and capital structure machine. Seventeen billion dollars of operating cash flow, near-zero leverage, and a durable capital-return franchise mean MetLife can keep buying back stock and paying the dividend through a soft earnings patch, which is exactly what income-oriented holders are underwriting. The narrative layer correctly flags that fundamentals do ~93% of the work and that the premium to DCF is only mid-single digits; there is no frothy story to unwind. If rates stay higher for longer and the next two quarters re-expand margins back toward the 2024 6–7% zone while revenue holds the $18–19B run-rate, the 20x multiple becomes defensible and the stock is simply a steady compounder at fair value. Macro headwinds and sector-in-line positioning also cut both ways: MetLife is not uniquely impaired, so a sector re-rate would lift it without requiring company-specific heroics.
I would flip constructive on a sustained return of quarterly net margins above 6.5% with NI run-rate re-accelerating above $1.1B, or a clear path back to $4.5B-plus annual earnings that would pull the forward P/E under 16x at today’s price. A drop toward $85–88 without earnings deterioration would also reset the risk/reward. Until one of those arrives, the stock screens as modestly expensive on deteriorating earnings power.
Big-3 Panel — where each AI stands
Advanced Analysis Forensic deep-dive · separate lenses
MetLife is throwing off very large and rising operating cash flow: FCF has climbed from 12.6B in 2021 to 17.09B in 2025, and OCF/NI of 4.28x with accruals at -1.4% of assets indicates earnings are conservatively stated rather than inflated by non-cash items. Revenue has grown from 63.65B to 75.65B over five years, though net income is choppy (6.86B, 5.28B, 1.58B, 4.43B, 3.38B), reflecting the volatility typical of life-insurance actuarial and investment marks rather than an operating deterioration. Capital return is disciplined: diluted share count has fallen at a -5.9% CAGR (890.8M in 2021 to 697.9M in 2025), concentrating per-share value. Liquid cash of 25.63B and net cash of 25.28B against a self-funding cash engine puts survival risk at essentially zero for a regulated insurer of this scale. The Altman Z of 0.24 is a false alarm - the model is not calibrated for insurance balance sheets, which are structurally liability-heavy by design. What holds the grade back is the earnings volatility (net income swinging by 4-5x year to year), thin visibility into segment mix and reserve assumptions from the derived data, and the inherent opacity of a life insurer's long-tail liabilities and investment portfolio.
Verify before trusting this (5)
- Segment mix and reserve development trends in the 10-K
- Investment portfolio credit quality and CRE/private-credit exposure
- Whether buybacks are being funded by holdco dividends from regulated subs or by leverage
- Statutory capital (RBC ratios) at the operating insurance entities
- Sensitivity of GAAP earnings to long-term rate/mortality assumption updates
The e2e composite fair value of $91.57 and signal-adjusted FV of $90.84 both sit roughly 6-7% below the $96.80 print. The anchored-PE method corroborates at $91.57, so this isn't a runaway-method situation - the deserved-value read looks tight and internally consistent. Good earnings quality (OCF/NI 4.28x, negative accruals) argues against haircutting further, and the Strong quality grade supports the deserved multiple rather than expanding it beyond what's already baked in. What's priced in at $96.80: continued buyback-driven EPS growth, stable underwriting margins, and benefit from the higher-rate reinvestment tailwind on the float. That's the steady-compounder narrative, and the market appears to have it. Nothing here screams heroic assumptions, but nothing offers a discount either - you're paying full freight for a well-run mature insurer. For a valuation lens, 'fair to slightly rich' is the honest verdict. A ~3.5% dividend plus buybacks gives you a reasonable total-return floor, but that's a holding thesis, not a mispricing thesis.
Verify before trusting this (4)
- Variable investment income run-rate and rate-reinvestment cadence in latest 10-Q
- Buyback pace and remaining authorization vs prior years
- Any reserve strengthening or longevity assumption updates in actuarial review
- Segment margins (Group Benefits, RIS) for underwriting drift
MetLife sits in the quietest possible corner of the sentiment map right now. The narrative is a low-intensity, durable 'steady compounder / dividend-safe fortress' - no cult, no mania, no crack. That means very little narrative pressure in either direction; the tape is doing almost all the talking, and the tape is mildly constructive (risk-on +47, VIX 15). With a beta of 0.76, MET barely participates in risk-on euphoria but also barely gets punished when the S&P wobbles - the macro tape lands SOFTLY on this name either way. News flow is benign filler (sustainability report, pet-insurance charity partnership) - zero narrative energy, neither headwind nor tailwind. There is no analyst re-rating cycle visible, no target-price momentum, no story breaking. The one genuine crosswind is the rate backdrop: 10y at 4.72 with a steep-ish curve is a structural positive for a life insurer's spread book, but a market PE of 26 caps multiple expansion for a boring financial. Net: a slight tailwind from regime and rate curve, mostly neutralized by low beta and the absence of any narrative lift. This is a stock the market is currently ignoring - and for a compounder, being ignored is roughly neutral.
Verify before trusting this (4)
- Whether the yield curve steepens further (clear tailwind) or re-flattens (removes the one real narrative support)
- Any Q3 buyback pace commentary or capital return update that could rekindle the compounder narrative
- Sector rotation into or out of life insurers vs P&C - watch MET vs PRU, AFL relative strength
- Analyst target revisions - currently quiet; any cluster of upgrades would shift the read to tailwind
MetLife is a capital-and-liability business wearing an information-processing coat: the coat is highly automatable, the body is not. Cheap intelligence attacks the ~expense layer — underwriting triage, claims adjudication, servicing, actuarial modeling, and private-credit diligence at MIM — while the earnings engine remains spread income on a ~$600B+ invested asset base plus mortality/morbidity/longevity risk transfer that requires regulated capital an AI-native entrant cannot conjure. So the direct downside risk is not disintermediation but value leakage: in commoditized employer benefits, expense savings tend to be handed to the buyer at renewal. The genuinely underappreciated AI channel runs the other way — through the liability side, where AI-accelerated medical progress lengthens lives and strains payout annuity and pension risk transfer reserves, and where wearable/genomic-informed consumers can adversely select against underwriting rules that regulation freezes in place.
None surfaced.
Verify before trusting this (8)
- RBC ratio and holdco liquidity
- Financial-strength rating actions
- Reserve assumption review outcomes
- Group benefits covered-lives growth
- Pension risk transfer deal volume
- Asia protection sales trend
- Direct expense ratio trajectory
- Headcount vs premium growth
This lens hasn't been run for this ticker yet.
When we made this prediction on Aug 12, 2026, MET was $96.80. We expect it to be $97.80 by Feb 2027, and we consider it great value under $82.00. This is an early model (v0.6.0) — the direction is more reliable than the exact price. Made Aug 12, 2026.
Blue is our prediction, starting the day we made it. Grey is a slower route to the same place — the same destination, taking longer. Black is the actual price, so you can see how we are doing.