MetLife, Inc. — Earnings Quality Grade C
MET · Financial Services
Some red flags
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 82 days (155 → 237)
AR growth 64.8% exceeds revenue growth 7.9%
Revenue 7.9%, CFFO 17.1%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 5.06. Profits backed by cash
FCF $17.1B, FCF/NI = 5.06
Accruals ratio = -1.8%. Low accruals
Cash $118.3B covers debt $20.2B
Balance Sheet Health
Goodwill+Intangibles $9.6B = 34% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 8% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
MetLife, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25