MetLife, Inc. Financial Ratios — MET-PE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	26.65	4.8	12.35	20.84	15.44	2.13	12.76	17.96	18.45	14.92	17.12	12.5	3.43	10.21	7.3
Return on Assets (%)	0.84	0.16	0.39	0.71	0.6	0.1	0.5	0.73	0.83	0.7	0.88	0.74	0.23	0.65	0.48
Return on Capital (%)	13.74	5	8.93	13.9	11.31	3.24	- -	13.19	14.06	11.63	13.31	10.3	3.95	8.65	6.52
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	13.07	2.12	5.94	12.01	9.21	7.04	5.68	9.28	9.87	10.35	13.44	9.44	3.18	8.02	6.16
Profit Margin (%)	9.14	1.94	4.94	8.61	8.76	1.4	6.44	7.54	8.57	8.08	10.82	7.84	2.32	6.31	4.47
Net Income to Common Margin (%)	8.76	1.76	4.76	8.44	8.5	1.23	6.27	7.33	8.31	7.76	10.5	7.56	2.03	6.03	4.19
Effective Tax Rate (%)	30.41	8.88	16.31	28	28.14	16.19	- -	18.69	13.04	21.78	19.28	16.69	25.9	20.95	26.99
Dvd Payout Ratio (%)	10.48	65.93	33.97	24.01	41.15	49.76	91.8	33.61	28.62	31.52	24.51	31.12	109.66	35.83	46.48
Sustainable Growth Rate (%)	23.85	1.64	8.16	15.84	9.09	1.07	1.05	11.92	13.17	10.22	12.93	8.61	-0.33	6.55	3.91

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	27,570	22,354	22,021	19,579	21,317	19,852	19,307	16,244	16,851	18,149	17,430	17,980	18,828	18,715	20,183
ST Debt	686	100	175	100	100	242	477	268	235	393	341	175	119	465	1,561
LT Debt	26,884	22,254	21,846	19,479	21,217	19,610	18,830	15,976	16,616	17,756	17,089	17,805	18,709	18,250	18,622
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	1,724	1,356	1,282	1,216	1,168	1,157	1,129	1,122	955	913	920	938	1,045	1,037	1,061
Common Equity/Total Assets	3.12	3.01	3.09	3.55	4.05	3.86	3.69	4.21	4.47	4.59	5.42	6.08	5.84	6.29	5.95
Long-Term Debt/Equity (%)	46.36	34.26	34.69	26.81	30.98	28.97	31.99	30.17	25.03	23.73	25.22	59.1	61.84	65.88	64.39
Long-Term Debt/Capital (%)	50.85	46.29	43.01	37.3	36.97	35.84	40.9	35.19	33.11	32.34	29.01	30.4	31.59	29.62	28.65
Long-Term Debt/Total Assets (%)	3.38	2.66	2.47	2.16	2.42	2.18	2.62	2.32	2.24	2.23	2.25	2.69	2.72	2.69	2.5
Total Debt/Equity (%)	47.54	34.41	34.96	26.95	31.12	29.32	32.8	30.67	25.38	24.26	25.73	59.68	62.24	67.56	69.79
Total Debt/Capital (%)	52.15	46.5	43.35	37.49	37.14	36.28	41.94	35.78	33.58	33.05	29.59	30.7	31.79	30.38	31.05
Total Debt/Total Assets (%)	3.46	2.67	2.49	2.17	2.43	2.21	2.68	2.36	2.28	2.28	2.29	2.71	2.74	2.76	2.71
Net Debt to Equity	29.44	10.19	22.92	12.07	12.5	10.64	11.22	0.8	0.38	-2.2	-3.86	-7.54	-6.09	-4.91	-6.41
Net Debt/Capital (%)	40.25	20.46	33.41	21.18	19.19	17.12	19.81	1.43	0.75	-4.69	-6.73	-5.92	-4.78	-3.27	-4.32
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.12	3.01	3.09	3.55	4.05	3.86	3.69	4.21	4.47	4.59	5.42	6.08	5.84	6.29	5.95
Long-Term Debt/Equity (%)	46.36	34.26	34.69	26.81	30.98	28.97	31.99	30.17	25.03	23.73	25.22	59.1	61.84	65.88	64.39
Long-Term Debt/Capital (%)	50.85	46.29	43.01	37.3	36.97	35.84	40.9	35.19	33.11	32.34	29.01	30.4	31.59	29.62	28.65
Long-Term Debt/Total Assets (%)	3.38	2.66	2.47	2.16	2.42	2.18	2.62	2.32	2.24	2.23	2.25	2.69	2.72	2.69	2.5
Total Debt/Equity (%)	47.54	34.41	34.96	26.95	31.12	29.32	32.8	30.67	25.38	24.26	25.73	59.68	62.24	67.56	69.79
Total Debt/Capital (%)	52.15	46.5	43.35	37.49	37.14	36.28	41.94	35.78	33.58	33.05	29.59	30.7	31.79	30.38	31.05
Total Debt/Total Assets (%)	3.46	2.67	2.49	2.17	2.43	2.21	2.68	2.36	2.28	2.28	2.29	2.71	2.74	2.76	2.71
CFO/Total Liabilities	1.39	2.22	1.96	1.97	1.74	1.78	1.86	1.85	2.05	1.62	1.78	2.06	2.09	2.25	2.39
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.13	0.13	0.12	0.13	0.13	0.12	0.14	0.16	0.16	0.15	0.16	0.19	0.18	0.19	0.19

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	3.32	3.09	3.14	3.32	2.73	3.19	3.68	3.57	3.43	3.49	3.62	3.91	2.93	2.39	1.92
Days Sales Outstanding	109.93	118.14	116.39	109.78	133.72	114.53	99.2	102.23	106.26	104.48	100.86	93.44	124.48	152.84	190.14
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	10,461	15,738	7,585	10,808	12,752	12,651	12,701	15,821	16,598	19,795	20,047	20,195	20,639	20,068	22,032
+ Preferred Equity and Hybrid Capital	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	475	505	1,430	606	547	171	194	217	238	259	267	244	238	258	523
+ Total Debt	27,570	22,354	22,021	19,579	21,317	19,852	19,307	16,244	16,851	18,149	17,430	17,980	18,828	18,715	20,183
Enterprise Value	-353,019	-386,941	-351,677	-368,299	-354,910	-291,608	-307,001	-301,562	-331,179	-360,100	-349,800	-283,686	-289,030	-287,294	-97,611
Total Capital	52,871	48,076	50,795	52,218	57,395	54,718	46,040	45,399	50,179	54,911	58,906	58,568	59,224	61,611	65,008
Total Debt/Capital (%)	52.15	46.5	43.35	37.49	37.14	36.28	41.94	35.78	33.58	33.05	29.59	30.7	31.79	30.38	31.05
Total Debt / EV	-0.08	-0.06	-0.06	-0.05	-0.06	-0.07	-0.06	-0.05	-0.05	-0.05	-0.05	-0.06	-0.07	-0.07	-0.21
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	17,585	7,122	15,867	9,378	9,112	7,372	6,800	640	491	-1,387	-2,350	-1,971	-1,573	-1,095	-1,326
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	70,241	68,150	68,199	73,316	61,343	60,787	62,308	67,960	68,848	66,922	63,366	67,409	67,934	70,131	75,654
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11,473	18,396	17,204	17,252	14,891	15,744	13,881	12,650	14,616	12,353	13,090	13,825	14,495	15,418	17,867
TTM Free Cash Flow to Firm	11,473	18,396	17,204	17,252	14,891	15,744	13,881	12,650	14,616	12,353	13,090	13,825	14,495	15,418	17,867

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-353,019	-386,941	-351,677	-368,299	-354,910	-291,608	-307,001	-301,562	-331,179	-360,100	-349,800	-283,686	-289,030	-287,294	-97,611
Low Price	- -	- -	- -	- -	- -	- -	- -	22.62	23.65	14.45	25.83	22.64	21.03	23.05	22.66
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.25	0.1	0.23	0.13	0.15	0.12	0.11	0.01	0.01	- -	- -	- -	- -	- -	- -
EV/Sales High	0.25	0.1	0.23	0.13	0.15	0.12	0.11	0.01	0.01	- -	- -	- -	- -	- -	- -
EV/Sales Low	0.25	0.1	0.23	0.13	0.15	0.12	0.11	0.01	0.01	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	23.55	27.33	28.27	26.4	23.02	24.29	23.54	23.75
High Price	- -	- -	- -	- -	- -	- -	- -	25.81	27.97	28.34	28.23	26.76	25.3	25.23	25.31
Enterprise Value Average	17,585	7,122	15,867	9,378	9,112	7,372	6,800	640	491	-1,387	-2,350	-1,971	-1,573	-1,095	-1,326
Enterprise Value High	17,585	7,122	15,867	9,378	9,112	7,372	6,800	640	491	-1,387	-2,350	-1,971	-1,573	-1,095	-1,326
Enterprise Value Low	17,585	7,122	15,867	9,378	9,112	7,372	6,800	640	491	-1,387	-2,350	-1,971	-1,573	-1,095	-1,326

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1,058	1,092	1,122	1,132	1,098	1,096	1,044	959	915	893	826	779	731	689	655
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

MetLife, Inc.

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