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BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

USA - NASDAQ:BHF - US10922N1037 - Common Stock

48.655 USD
+0.02 (+0.04%)
Last: 10/9/2025, 9:37:48 AM
Fundamental Rating

3

BHF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. BHF has a bad profitability rating. Also its financial health evaluation is rather negative. BHF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BHF was profitable.
BHF had a positive operating cash flow in the past year.
BHF had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BHF reported negative operating cash flow in multiple years.
BHF Yearly Net Income VS EBIT VS OCF VS FCFBHF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B

1.2 Ratios

With a Return On Assets value of 0.23%, BHF is not doing good in the industry: 80.69% of the companies in the same industry are doing better.
The Return On Equity of BHF (9.91%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.23%
ROE 9.91%
ROIC N/A
ROA(3y)-0.15%
ROA(5y)-0.19%
ROE(3y)-6.86%
ROE(5y)-5.59%
ROIC(3y)N/A
ROIC(5y)N/A
BHF Yearly ROA, ROE, ROICBHF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

The Profit Margin of BHF (8.67%) is comparable to the rest of the industry.
BHF has a better Operating Margin (14.08%) than 61.38% of its industry peers.
Industry RankSector Rank
OM 14.08%
PM (TTM) 8.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BHF Yearly Profit, Operating, Gross MarginsBHF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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2

2. Health

2.1 Basic Checks

The number of shares outstanding for BHF has been reduced compared to 1 year ago.
Compared to 5 years ago, BHF has less shares outstanding
BHF has a better debt/assets ratio than last year.
BHF Yearly Shares OutstandingBHF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BHF Yearly Total Debt VS Total AssetsBHF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B 250B

2.2 Solvency

The Debt to FCF ratio of BHF is 61.86, which is on the high side as it means it would take BHF, 61.86 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 61.86, BHF is doing worse than 72.41% of the companies in the same industry.
A Debt/Equity ratio of 0.56 indicates that BHF is somewhat dependend on debt financing.
BHF's Debt to Equity ratio of 0.56 is on the low side compared to the rest of the industry. BHF is outperformed by 76.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 61.86
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BHF Yearly LT Debt VS Equity VS FCFBHF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BHF Yearly Current Assets VS Current LiabilitesBHF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2020 2021 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 50.93% over the past year.
The Earnings Per Share has been growing by 39.18% on average over the past years. This is a very strong growth
BHF shows a strong growth in Revenue. In the last year, the Revenue has grown by 59.27%.
The Revenue has been decreasing by -6.34% on average over the past years.
EPS 1Y (TTM)50.93%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%-38.42%
Revenue 1Y (TTM)59.27%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%-2.49%

3.2 Future

The Earnings Per Share is expected to decrease by -0.23% on average over the next years.
BHF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.63% yearly.
EPS Next Y-34.85%
EPS Next 2Y-11.27%
EPS Next 3Y-3.75%
EPS Next 5Y-0.23%
Revenue Next Year1.71%
Revenue Next 2Y2.74%
Revenue Next 3Y2.28%
Revenue Next 5Y3.63%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BHF Yearly Revenue VS EstimatesBHF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
BHF Yearly EPS VS EstimatesBHF Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 10 20

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.93, which indicates a rather cheap valuation of BHF.
Based on the Price/Earnings ratio, BHF is valued cheaper than 91.03% of the companies in the same industry.
When comparing the Price/Earnings ratio of BHF to the average of the S&P500 Index (27.91), we can say BHF is valued rather cheaply.
The Price/Forward Earnings ratio is 2.25, which indicates a rather cheap valuation of BHF.
Based on the Price/Forward Earnings ratio, BHF is valued cheaper than 88.28% of the companies in the same industry.
BHF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.30, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.93
Fwd PE 2.25
BHF Price Earnings VS Forward Price EarningsBHF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHF is valued a bit more expensive than the industry average as 71.03% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 54.52
EV/EBITDA N/A
BHF Per share dataBHF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

BHF's earnings are expected to decrease with -3.75% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-11.27%
EPS Next 3Y-3.75%

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0

5. Dividend

5.1 Amount

No dividends for BHF!.
Industry RankSector Rank
Dividend Yield N/A

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BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (10/9/2025, 9:37:48 AM)

48.655

+0.02 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners86.79%
Inst Owner Change0%
Ins Owners1.16%
Ins Owner Change-0.98%
Market Cap2.78B
Analysts54.12
Price Target56.48 (16.08%)
Short Float %5.19%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP18.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.53%
Min EPS beat(2)-23.87%
Max EPS beat(2)-9.19%
EPS beat(4)2
Avg EPS beat(4)40.13%
Min EPS beat(4)-23.87%
Max EPS beat(4)176.78%
EPS beat(8)5
Avg EPS beat(8)21.8%
EPS beat(12)8
Avg EPS beat(12)19.18%
EPS beat(16)11
Avg EPS beat(16)16.24%
Revenue beat(2)1
Avg Revenue beat(2)0.4%
Min Revenue beat(2)-2.67%
Max Revenue beat(2)3.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.52%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)3.46%
Revenue beat(8)2
Avg Revenue beat(8)-1.91%
Revenue beat(12)3
Avg Revenue beat(12)-11.47%
Revenue beat(16)5
Avg Revenue beat(16)-3.45%
PT rev (1m)0%
PT rev (3m)-9.59%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)1.33%
EPS NY rev (1m)-1.76%
EPS NY rev (3m)-6.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.01%
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 1.93
Fwd PE 2.25
P/S 0.43
P/FCF 54.52
P/OCF 54.52
P/B 0.49
P/tB 0.49
EV/EBITDA N/A
EPS(TTM)25.25
EY51.9%
EPS(NY)21.63
Fwd EY44.45%
FCF(TTM)0.89
FCFY1.83%
OCF(TTM)0.89
OCFY1.83%
SpS113.46
BVpS99.27
TBVpS99.27
PEG (NY)N/A
PEG (5Y)0.05
Profitability
Industry RankSector Rank
ROA 0.23%
ROE 9.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 14.08%
PM (TTM) 8.67%
GM N/A
FCFM 0.79%
ROA(3y)-0.15%
ROA(5y)-0.19%
ROE(3y)-6.86%
ROE(5y)-5.59%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 61.86
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 6.05
Cash Conversion N/A
Profit Quality 9.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50.93%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%-38.42%
EPS Next Y-34.85%
EPS Next 2Y-11.27%
EPS Next 3Y-3.75%
EPS Next 5Y-0.23%
Revenue 1Y (TTM)59.27%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%-2.49%
Revenue Next Year1.71%
Revenue Next 2Y2.74%
Revenue Next 3Y2.28%
Revenue Next 5Y3.63%
EBIT growth 1Y188.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.5%
EBIT Next 3Y5.26%
EBIT Next 5YN/A
FCF growth 1Y102.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y102.93%
OCF growth 3YN/A
OCF growth 5YN/A