NASDAQ · STOCK
MetLife Inc.
$96.13
52W $67.33 – $97.80
52/100
$61.85B
18.5
0.78
Is MET Bullish or Bearish?
Mixed.
Innellis AI committee rates MetLife Inc. (MET) Watch with a composite score of 52/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +8.26 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -11.74 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. News Analyst sees a compelling case. Risk Analyst remains cautious — current ratio of 0.19 is tight -- limited short-term liquidity cushion. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- 3 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- EPS declining -15.2% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 74 is in overbought territory — Technical
- Weekly RSI at 82 -- overbought on the larger timeframe too — Technical
- Current ratio of 0.19 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
52/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 85%
of 141 Financial Services peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
Growth Analyst
neutral
44
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 3 consecutive earnings beats -- consistent execution
− EPS declining -15.2% YoY despite any revenue growth
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 74 is in overbought territory
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.19 is tight -- limited short-term liquidity cushion
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 52.9 to 51.7.
- Committee agreement increased notably from 43% to 57%.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
63.6
Neutral
MACD Histogram
0.107
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$95.50
Above
EMA 21
$93.27
Above
EMA 50
$89.03
Above
EMA 200
$81.76
Above
Fundamental Analysis
Valuation
91
Growth
46
Profitability
0
Financial Health
94
Cash Flow
38
Valuation
P/E Ratio
18.5×
P/B Ratio
2.29×
PEG Ratio
-1.16
Dividend Yield
0.02%
52W High
$97.80
52W Low
$67.33
Quality & Growth
ROE
11.9%
ROA
0.4%
Gross Margin
28.4%
Operating Margin
6.3%
Revenue Growth YoY
—
Debt / Equity
0.74
AI Fundamental Assessment
P/E ratio of 18.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of -1.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.0%; Gross margin of 0.3%; Current ratio of 85.01 (healthy short-term liquidity); Debt-to-equity of 0.74; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (25.35); Most recent quarter beat estimates by 5.5%; 3 consecutive earnings beats; EPS growth decelerating (+8.9% -> -6.2% QoQ); Analyst estimates falling over recent quarters
Get the Full MET Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →