MetLifeFRA:MWZ +1.13%76 EV-to-FCF is 4.79 as of Jun. 28, 2026, which is 30% above its 10-year median of 3.69. GuruFocus rates FRA:MWZ with a GF Score™ of 76/100 and a GF Value™ of €78.16 (Fairly Valued). The stock has 8 warning signs investors should review. Among 395 Insurance companies, MetLife ranks better than 76.71% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, MetLife's Enterprise Value is €63,701 Mil.
MetLife's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €13,302 Mil. Therefore, MetLife's EV-to-FCF for today is 4.79.
The historical rank and industry rank for MetLife's EV-to-FCF or its related term are showing as below:
FRA:MWZ'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.45 Med: 3.69 Max: 5.29
Current: 4.66
During the past 13 years, the highest EV-to-FCF of MetLife was 5.29. The lowest was 1.45. And the median was 3.69.
FRA:MWZ's EV-to-FCF is ranked better than 76.71% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:MWZ: 4.66
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
MetLife's share price for today is €74.98.
MetLife's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4.436.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
MetLife EV-to-FCF Related Terms
MetLife EV-to-FCF Historical Data
* Premium members only.
The historical data trend for MetLife's EV-to-FCF 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.
For the Insurance - Life subindustry, MetLife's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, MetLife's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where MetLife's EV-to-FCF falls into.
MetLife's current Enterprise Value is €63,701 Mil.
MetLife's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €13,302 Mil.
* 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 (FRA:MWZ) has a EV-to-FCF of 4.79 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MetLife and its competitors. This is 30% above median its historical median of 3.69. Over the past decade, MetLife's EV-to-FCF has ranged from 1.45 to 5.29. According to the industry distribution chart, MetLife ranks #92 out of 395 companies in the Insurance industry, placing it in the top 23.3%.
Is MetLife's EV-to-FCF too high?
MetLife's current EV-to-FCF of 4.79 is 30% above median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 1.45 to a high of 5.29. The Insurance industry median EV-to-FCF is 9.32. MetLife's value of 4.79 is 48.6% below this industry median. Based on the distribution chart, MetLife ranks #92 out of 395 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, MetLife has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetLife's EV-to-FCF compare to AFL and PRU?
According to the Insurance industry distribution chart, MetLife ranks #92 out of 395 companies for EV-to-FCF. This places MetLife in the top 23% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.32. MetLife's value of 4.79 is 48.6% below this benchmark. Historically, MetLife's own EV-to-FCF has ranged from 1.45 to 5.29 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 9.32, MetLife has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MetLife's current EV-to-FCF of 4.79 is 48.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on MetLife and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MetLife's current EV-to-FCF is 4.79, which is 30% above median its own 10-year median of 3.69. 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 (FRA:MWZ) is currently considered Fairly Valued. The stock's GF Value™ is €78.16, compared to a current price of €74.98 — trading 4.1% below its estimated fair value. The current EV-to-FCF is 4.79, which is 30% above median its 10-year median of 3.69 and 48.6% below the Insurance industry median of 9.32. MetLife's overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For MetLife (FRA:MWZ), the current EV-to-FCF is 4.79 as of Jun. 28, 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 (FRA:MWZ) Overvalued in 2026?
Based on GuruFocus' analysis, MetLife stock appears to be undervalued.
The current stock price of €74.98 is trading 4.1% below its estimated GF Value™ of €78.16.
GuruFocus considers MetLife to be Fairly Valued.
Key valuation signals for FRA:MWZ:
EV-to-FCF: 4.79 (30% above median its 10-year median of 3.69)
GF Value™: €78.16 vs. price of €74.98 (4.1% below fair value)
Industry Position: 48.6% below the Insurance median (#92 of 395)
No single metric tells the full story. See the FRA:MWZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
76GF Score
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