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BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BHF - US10922N1037 - Common Stock

64.79 USD
-0.01 (-0.02%)
Last: 12/31/2025, 8:00:01 PM
64.79 USD
0 (0%)
After Hours: 12/31/2025, 8:00:01 PM
Fundamental Rating

3

BHF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. BHF may be in some trouble as it scores bad on both profitability and health. BHF is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BHF had positive earnings in the past year.
In the past year BHF had a positive cash flow from operations.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B -4B

1.2 Ratios

The Return On Assets of BHF (0.35%) is worse than 79.05% of its industry peers.
With a decent Return On Equity value of 13.59%, BHF is doing good in the industry, outperforming 60.81% of the companies in the same industry.
Industry RankSector Rank
ROA 0.35%
ROE 13.59%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

The Profit Margin of BHF (13.77%) is better than 72.97% of its industry peers.
The Operating Margin of BHF (20.85%) is better than 70.95% of its industry peers.
Industry RankSector Rank
OM 20.85%
PM (TTM) 13.77%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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2

2. Health

2.1 Basic Checks

BHF has less shares outstanding than it did 1 year ago.
BHF has less shares outstanding than it did 5 years ago.
BHF has a better debt/assets ratio than last year.
BHF Yearly Shares OutstandingBHF Yearly Shares OutstandingYearly Shares Outstanding 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 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 21.91, which is on the high side as it means it would take BHF, 21.91 years of fcf income to pay off all of its debts.
BHF has a worse Debt to FCF ratio (21.91) than 72.30% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that BHF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.50, BHF is doing worse than 71.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 21.91
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 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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4

3. Growth

3.1 Past

BHF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.55%, which is quite good.
The Earnings Per Share has been growing by 39.18% on average over the past years. This is a very strong growth
Looking at the last year, BHF shows a very strong growth in Revenue. The Revenue has grown by 27.71%.
Measured over the past years, BHF shows a decrease in Revenue. The Revenue has been decreasing by -6.34% on average per year.
EPS 1Y (TTM)17.55%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%34.1%
Revenue 1Y (TTM)27.71%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%0.32%

3.2 Future

The Earnings Per Share is expected to decrease by -1.22% on average over the next years.
The Revenue is expected to grow by 3.29% on average over the next years.
EPS Next Y7.63%
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%
EPS Next 5Y-1.22%
Revenue Next Year0.91%
Revenue Next 2Y1.87%
Revenue Next 3Y1.59%
Revenue Next 5Y3.29%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.19, the valuation of BHF can be described as very cheap.
Based on the Price/Earnings ratio, BHF is valued cheaply inside the industry as 89.19% of the companies are valued more expensively.
BHF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
Based on the Price/Forward Earnings ratio of 3.16, the valuation of BHF can be described as very cheap.
Based on the Price/Forward Earnings ratio, BHF is valued cheaper than 87.16% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BHF to the average of the S&P500 Index (23.13), we can say BHF is valued rather cheaply.
Industry RankSector Rank
PE 2.19
Fwd PE 3.16
BHF Price Earnings VS Forward Price EarningsBHF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

68.24% of the companies in the same industry are cheaper than BHF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 25.72
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A cheap valuation may be justified as BHF's earnings are expected to decrease with -7.27% in the coming years.
PEG (NY)0.29
PEG (5Y)0.06
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%

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0

5. Dividend

5.1 Amount

BHF does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (12/31/2025, 8:00:01 PM)

After market: 64.79 0 (0%)

64.79

-0.01 (-0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-09 2026-02-09/amc
Inst Owners90.48%
Inst Owner Change3.52%
Ins Owners1.16%
Ins Owner Change1.41%
Market Cap3.70B
Revenue(TTM)6.28B
Net Income(TTM)865.00M
Analysts52.5
Price Target68 (4.95%)
Short Float %10.67%
Short Ratio4.23
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP11.79%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)103.33%
Min EPS beat(2)-23.87%
Max EPS beat(2)230.52%
EPS beat(4)2
Avg EPS beat(4)53.56%
Min EPS beat(4)-23.87%
Max EPS beat(4)230.52%
EPS beat(8)5
Avg EPS beat(8)49.89%
EPS beat(12)8
Avg EPS beat(12)38.28%
EPS beat(16)11
Avg EPS beat(16)26.52%
Revenue beat(2)0
Avg Revenue beat(2)-3.78%
Min Revenue beat(2)-4.89%
Max Revenue beat(2)-2.67%
Revenue beat(4)2
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-4.89%
Max Revenue beat(4)3.46%
Revenue beat(8)2
Avg Revenue beat(8)-1.81%
Revenue beat(12)3
Avg Revenue beat(12)-8.42%
Revenue beat(16)4
Avg Revenue beat(16)-4.58%
PT rev (1m)0%
PT rev (3m)20.39%
EPS NQ rev (1m)1.74%
EPS NQ rev (3m)1.48%
EPS NY rev (1m)65.32%
EPS NY rev (3m)65.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.44%
Revenue NY rev (1m)-1.04%
Revenue NY rev (3m)-0.75%
Valuation
Industry RankSector Rank
PE 2.19
Fwd PE 3.16
P/S 0.59
P/FCF 25.72
P/OCF 25.72
P/B 0.58
P/tB 0.58
EV/EBITDA N/A
EPS(TTM)29.54
EY45.59%
EPS(NY)20.53
Fwd EY31.69%
FCF(TTM)2.52
FCFY3.89%
OCF(TTM)2.52
OCFY3.89%
SpS109.88
BVpS111.3
TBVpS111.3
PEG (NY)0.29
PEG (5Y)0.06
Graham Number271.98
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 13.59%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 20.85%
PM (TTM) 13.77%
GM N/A
FCFM 2.29%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 21.91
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 8.68
Cash Conversion N/A
Profit Quality 16.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
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)17.55%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%34.1%
EPS Next Y7.63%
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%
EPS Next 5Y-1.22%
Revenue 1Y (TTM)27.71%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%0.32%
Revenue Next Year0.91%
Revenue Next 2Y1.87%
Revenue Next 3Y1.59%
Revenue Next 5Y3.29%
EBIT growth 1Y191.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.5%
EBIT Next 3Y5.26%
EBIT Next 5YN/A
FCF growth 1Y132.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y132.88%
OCF growth 3YN/A
OCF growth 5YN/A

BRIGHTHOUSE FINANCIAL INC / BHF FAQ

What is the fundamental rating for BHF stock?

ChartMill assigns a fundamental rating of 3 / 10 to BHF.


Can you provide the valuation status for BRIGHTHOUSE FINANCIAL INC?

ChartMill assigns a valuation rating of 6 / 10 to BRIGHTHOUSE FINANCIAL INC (BHF). This can be considered as Fairly Valued.


Can you provide the profitability details for BRIGHTHOUSE FINANCIAL INC?

BRIGHTHOUSE FINANCIAL INC (BHF) has a profitability rating of 2 / 10.


What is the expected EPS growth for BRIGHTHOUSE FINANCIAL INC (BHF) stock?

The Earnings per Share (EPS) of BRIGHTHOUSE FINANCIAL INC (BHF) is expected to grow by 7.63% in the next year.


Can you provide the dividend sustainability for BHF stock?

The dividend rating of BRIGHTHOUSE FINANCIAL INC (BHF) is 0 / 10 and the dividend payout ratio is 11.79%.