BOSTON ( TheStreet) -- Here are three relevant downgrades from TheStreet's stock-model.3. The model downgraded life and health insurer MetLife ( MET) to "sell." Numbers: Fourth-quarter profit fell 68% to $320 million, or 35 cents a share, as revenue dropped 12% to $12 billion. MetLife's operating margin narrowed from 13% to 4.1%. Its balance sheet contains $28 billion of cash and $33 billion of debt. During the past three years, revenue has fallen 5.2% annually. Stock: MetLife has tripled in the past year, beating U.S. indices. The stock sells for a price-to-projected-earnings ratio of 8.3, a 33% discount to the peer-group average. It's also cheap based on book value, sales and cash flow. The shares offer a 1.8% dividend yield with an excessive payout ratio of 211%. 2. The model downgraded integrated oil and gas company Occidental Petroleum ( OXY) to "hold." Numbers: Fourth-quarter profit doubled to $938 million, or $1.16, as revenue grew 13% to $4.5 billion. The operating margin expanded from 17% to 34%. Occidental holds $1.3 billion of cash and $2.8 billion of debt. During the past three years, net income has fallen 11% annually, on average. Stock: Occidental Petroleum has gained 62% in the past year, slightly more than the Dow Jones Industrial Average. The stock trades at a price-to-projected-earnings ratio of 11, a 21% discount to the industry average. It's expensive based on trailing earnings and cash flow. The shares offer a 1.6% dividend yield with a payout ratio of 37%.