Aureus
AExcellent

MetLife, Inc.(MET)

A

Financial data as of Dec 31, 2024Declining · Financials

FCF Margin20.9%Free Cash Flow / Revenue
Cash Conversion—Operating CF / Net Income
Free Cash Flow$14.6B
Revenue$69.9B
Net Cash$1.4BCash exceeds debt
Debt / FCF1.3xManageable debt load
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-14.4%5 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
+0.5Healthy FCF margin with manageable debt (20.9%, 1.3x)
→
-1Current ratio below 1.0 (0.00)
→
-0.5Moderate decline but healthy margin (-14.4% YoY)
→
+1Net cash position with strong FCF margin
→
+1Very low debt-to-FCF ratio (1.3x)
→
+0.5Highly consistent quarterly FCF
→
FinalA

Analysis Summary

Strengths

  • Exceptional FCF margin (20.9%)
  • Net cash position ($1.4B)
  • Very low debt relative to cash flow (1.3x)
  • Highly consistent quarterly FCF

Concerns

  • Current ratio below 1.0 — tight short-term liquidity
  • FCF trend declining (-14.4% YoY) but margin still healthy
Cash conversion ratio unavailable or not meaningful

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin20.9%
Net Margin6.3%
Operating CF Margin20.9%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash$1.4BCash exceeds debt
Debt / FCF1.3xManageable debt load
Current Ratio0.00Tight liquidity
Debt / Equity0.68Low leverage

Quarterly FCF Trend

-14.4% YoYDeclining (-14.4%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NameMetLife, Inc.
SectorFinancials
Free Cash Flow$14.6B
Revenue$69.9B
Net Income$4.4B
Operating Cash Flow$14.6B
Capital Expenditure$0
FCF Margin20.9%
Cash Conversion Rate—
Net Margin6.3%
Total Debt$18.7B
Total Cash$20.1B
Net Cash$1.4B
Current Ratio0.00
Debt / Equity0.68
Debt / FCF1.3x
YoY FCF Growth-14.4%
Positive Quarters5 of 5
Trend DirectionDeclining
Report DateDec 31, 2024
GradeA
Data SourceYahoo Finance

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