MetLife (MIL:1MET) E10: €4.68 (As of Mar. 2026)


MIL:1MET MetLife Inc MIL:1MET
50 GF Score
Price €75.84
GF Value €79.06
Valuation Fairly Valued
! 8 Warning Signs
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What is MetLife E10?

MetLife MIL:1MET -0.21% 50 E10 is €4.68 as of Mar. 2026. GuruFocus rates MIL:1MET with a GF Score™ of 50/100 and a GF Value™ of €79.06 (Fairly Valued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

MetLife's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.505. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.68 for the trailing ten years ended in Mar. 2026.

During the past 12 months, MetLife's average E10 Growth Rate was 0.90% per year. During the past 3 years, the average E10 Growth Rate was 0.10% per year. During the past 5 years, the average E10 Growth Rate was 4.70% per year. During the past 10 years, the average E10 Growth Rate was 6.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of MetLife was 15.40% per year. The lowest was -11.20% per year. And the median was 4.75% per year.

As of today (2026-06-28), MetLife's current stock price is €75.84. MetLife's E10 for the quarter that ended in Mar. 2026 was €4.68. MetLife's Shiller PE Ratio of today is 16.21.

During the past 13 years, the highest Shiller PE Ratio of MetLife was 18.46. The lowest was 5.96. And the median was 13.54.


MetLife  (MIL:1MET) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

MetLife's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=75.84/4.68
=16.21

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of MetLife was 18.46. The lowest was 5.96. And the median was 13.54.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


MetLife E10 Related Terms


MetLife E10 Historical Data

* Premium members only.

The historical data trend for MetLife's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

MetLife E10 Chart

MetLife Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 4.73

MetLife Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 4.60 4.62 4.73 4.68

MIL:1MET vs AFL, PRU, UNM: E10 Comparison

For the Insurance - Life subindustry, MetLife's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


MetLife Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, MetLife's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where MetLife's Shiller PE Ratio falls into.


MIL:1MET
50GF Score
MetLife Inc MIL:1MET
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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MetLife E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, MetLife's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.505/330.2130*330.2130
=1.505

Current CPI (Mar. 2026) = 330.2130.

MetLife Quarterly Data

per share eps CPI Adj_EPS
201606 0.053 241.018 0.073
201609 0.454 241.428 0.621
201612 -1.839 241.432 -2.515
201703 0.739 243.801 1.001
201706 0.712 244.955 0.960
201709 -0.076 246.819 -0.102
201712 1.808 246.524 2.422
201803 0.965 249.554 1.277
201806 0.710 251.989 0.930
201809 0.754 252.439 0.986
201812 1.793 251.233 2.357
201903 1.239 254.202 1.609
201906 1.566 256.143 2.019
201909 2.088 256.759 2.685
201912 0.522 256.974 0.671
202003 4.295 258.115 5.495
202006 0.062 257.797 0.079
202009 0.586 260.280 0.743
202012 0.113 260.474 0.143
202103 0.277 264.877 0.345
202106 3.245 271.696 3.944
202109 1.505 274.310 1.812
202112 1.230 278.802 1.457
202203 1.716 287.504 1.971
202206 1.022 296.311 1.139
202209 1.384 296.808 1.540
202212 1.567 296.797 1.743
202303 0.019 301.836 0.021
202306 0.443 305.109 0.479
202309 0.525 307.789 0.563
202312 0.706 306.746 0.760
202403 1.012 312.332 1.070
202406 1.189 314.175 1.250
202409 1.631 315.301 1.708
202412 1.695 315.605 1.773
202503 1.184 319.799 1.223
202506 0.893 322.561 0.914
202509 1.039 324.800 1.056
202512 0.999 324.054 1.018
202603 1.505 330.213 1.505

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.68 mean?
MetLife (MIL:1MET) has a E10 of €4.68 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on MetLife and its competitors.
Is MetLife's E10 too high?
MetLife's current E10 is €4.68. Overall, MetLife has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetLife's E10 compare to AFL and PRU?
MetLife's E10 of €4.68 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on MetLife and its competitors. MetLife's current E10 is €4.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MetLife stock overvalued right now?
Based on GuruFocus' analysis, MetLife (MIL:1MET) is currently considered Fairly Valued. The stock's GF Value™ is €79.06, compared to a current price of €75.84 — trading 4.1% below its estimated fair value. The current E10 is €4.68. MetLife's overall GF Score™ is 50/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For MetLife (MIL:1MET), the current E10 is €4.68 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is MetLife (MIL:1MET) Overvalued in 2026?

Based on GuruFocus' analysis, MetLife stock appears to be undervalued. The current stock price of €75.84 is trading 4.1% below its estimated GF Value™ of €79.06. GuruFocus considers MetLife to be Fairly Valued.

Key valuation signals for MIL:1MET:

  • E10: €4.68
  • GF Value™: €79.06 vs. price of €75.84 (4.1% below fair value)
  • GF Score™: 50/100 with 8 warning signs

No single metric tells the full story. See the MIL:1MET stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


MetLife Business Description

Address 200 Park Avenue, New York, NY, USA, 10166-0188
MetLife is one of the largest life insurers in the US by assets and provides a variety of life insurance and annuity products. It is organized into six segments: Group Benefits, Retirement and Income Solutions, Asia, Latin America, Europe/Middle East/Africa (EMEA), and MetLife Holdings (products in run-off). Group Benefits and RIS are US-based, contributing to around 48% of the firm's 2024 adjusted earnings. The Asia segment contributes around 25% of earnings, mainly tied to Japan. The company also holds leading market positions in Mexico and Chile, with the Latin America segment contributing around 13% of 2024 earnings. The EMEA and MetLife Holdings segments contributed around 4% and 10% of 2024 earnings, respectively.
50GF Score

Get the complete analysis for MIL:1MET

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€75.84
Price
€79.06
GF Value