Metlife Inc (MET) is overvalued and Prudential Financial Inc (PRU) is slightly undervalued.
Against our estimates of intrinsic value, PRU trades at the wider discount: a margin of safety of +19%, against -33% for MET.
Values as of the 22 Sept 2026 close.
Book value at 1.64x, the multiple a 13.2% return on equity justifies, blended with earnings, values the shares at $71.92; the price of $95.92 is 33% above that value.
Leak Score 55/100 on 9 of 12 signals
Book value at 1.49x, the multiple a 12.6% return on equity justifies, blended with earnings, values the shares at $145.56; the price of $117.66 is 19% below that value.
Leak Score 43/100 on 8 of 12 signals
| Metric | MET | PRU |
|---|---|---|
| Verdict | Overvalued | Slightly undervalued |
| Price | $95.92 | $117.66 |
| Intrinsic value | $71.92 | $145.56 |
| Margin of safety | -33% | +19% |
| Leak Score | 55/100 (9/12) | 43/100 (8/12) |
| Market cap | $61.0B | $40.6B |
| Revenue growth, 5 years | 2.6% | 1.3% |
| Operating margin | 7.7% | 7.6% |
| Net margin | 4.3% | 6.0% |
| Return on equity | 13.2% | 12.6% |
| Debt to equity | 0.79 | 1.10 |
| P/E | 18.4x | 10.7x |
| Forward P/E | 8.6x | 7.9x |
| P/B | 2.2x | 1.3x |
| Dividend yield | 2.4% | 4.8% |