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BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

NASDAQ:BHF - Nasdaq - US10922N1037 - Common Stock - Currency: USD

59.13  -0.68 (-1.14%)

After market: 59.13 0 (0%)

Fundamental Rating

3

BHF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 142 industry peers in the Insurance industry. Both the profitability and financial health of BHF have multiple concerns. 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 0.22%, BHF is not doing good in the industry: 80.28% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 9.75%, BHF is in line with its industry, outperforming 48.59% of the companies in the same industry.
Industry RankSector Rank
ROA 0.22%
ROE 9.75%
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

With a Profit Margin value of 7.26%, BHF perfoms like the industry average, outperforming 52.11% of the companies in the same industry.
BHF's Operating Margin of 11.85% is in line compared to the rest of the industry. BHF outperforms 50.00% of its industry peers.
Industry RankSector Rank
OM 11.85%
PM (TTM) 7.26%
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

Compared to 1 year ago, BHF has less shares outstanding
Compared to 5 years ago, BHF has less shares outstanding
Compared to 1 year ago, BHF has an improved debt to assets ratio.
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 8.17, which is on the high side as it means it would take BHF, 8.17 years of fcf income to pay off all of its debts.
BHF has a Debt to FCF ratio of 8.17. This is in the lower half of the industry: BHF underperforms 75.35% of its industry peers.
BHF has a Debt/Equity ratio of 0.60. This is a neutral value indicating BHF is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.60, BHF is not doing good in the industry: 80.28% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 8.17
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 79.14% over the past year.
BHF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.18% yearly.
Looking at the last year, BHF shows a very strong growth in Revenue. The Revenue has grown by 142.17%.
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)79.14%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%-1.88%
Revenue 1Y (TTM)142.17%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%17.33%

3.2 Future

Based on estimates for the next years, BHF will show a small growth in Earnings Per Share. The EPS will grow by 0.41% on average per year.
The Revenue is expected to grow by 5.14% on average over the next years.
EPS Next Y-30.51%
EPS Next 2Y-10.93%
EPS Next 3Y-2.97%
EPS Next 5Y0.41%
Revenue Next Year2.37%
Revenue Next 2Y2.21%
Revenue Next 3Y2.45%
Revenue Next 5Y5.14%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

Based on the Price/Earnings ratio of 2.16, the valuation of BHF can be described as very cheap.
Based on the Price/Earnings ratio, BHF is valued cheaper than 85.21% of the companies in the same industry.
When comparing the Price/Earnings ratio of BHF to the average of the S&P500 Index (26.29), we can say BHF is valued rather cheaply.
BHF is valuated cheaply with a Price/Forward Earnings ratio of 2.71.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BHF indicates a rather cheap valuation: BHF is cheaper than 85.21% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, BHF is valued rather cheaply.
Industry RankSector Rank
PE 2.16
Fwd PE 2.71
BHF Price Earnings VS Forward Price EarningsBHF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BHF.
Industry RankSector Rank
P/FCF 8.79
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 -2.97% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-10.93%
EPS Next 3Y-2.97%

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0

5. Dividend

5.1 Amount

BHF does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (6/2/2025, 8:00:01 PM)

After market: 59.13 0 (0%)

59.13

-0.68 (-1.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-05 2025-08-05/amc
Inst Owners84.92%
Inst Owner Change-2.81%
Ins Owners0.99%
Ins Owner Change2.57%
Market Cap3.39B
Analysts54.12
Price Target60.95 (3.08%)
Short Float %2.84%
Short Ratio1.69
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP19.96%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.8%
Min EPS beat(2)-9.19%
Max EPS beat(2)16.79%
EPS beat(4)3
Avg EPS beat(4)52.62%
Min EPS beat(4)-9.19%
Max EPS beat(4)176.78%
EPS beat(8)6
Avg EPS beat(8)27.21%
EPS beat(12)8
Avg EPS beat(12)14.03%
EPS beat(16)12
Avg EPS beat(16)21.51%
Revenue beat(2)2
Avg Revenue beat(2)2.02%
Min Revenue beat(2)0.58%
Max Revenue beat(2)3.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)3.46%
Revenue beat(8)3
Avg Revenue beat(8)-1.4%
Revenue beat(12)4
Avg Revenue beat(12)-3.76%
Revenue beat(16)5
Avg Revenue beat(16)-4.73%
PT rev (1m)0%
PT rev (3m)-3.18%
EPS NQ rev (1m)-2.24%
EPS NQ rev (3m)-5.51%
EPS NY rev (1m)-2.8%
EPS NY rev (3m)-6.56%
Revenue NQ rev (1m)-3.75%
Revenue NQ rev (3m)-4.33%
Revenue NY rev (1m)-2.85%
Revenue NY rev (3m)-2.56%
Valuation
Industry RankSector Rank
PE 2.16
Fwd PE 2.71
P/S 0.48
P/FCF 8.79
P/OCF 8.79
P/B 0.65
P/tB 0.65
EV/EBITDA N/A
EPS(TTM)27.39
EY46.32%
EPS(NY)21.79
Fwd EY36.86%
FCF(TTM)6.72
FCFY11.37%
OCF(TTM)6.72
OCFY11.37%
SpS122.63
BVpS91.26
TBVpS91.26
PEG (NY)N/A
PEG (5Y)0.06
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 9.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 11.85%
PM (TTM) 7.26%
GM N/A
FCFM 5.48%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 8.17
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.52
Cash Conversion N/A
Profit Quality 75.54%
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)79.14%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%-1.88%
EPS Next Y-30.51%
EPS Next 2Y-10.93%
EPS Next 3Y-2.97%
EPS Next 5Y0.41%
Revenue 1Y (TTM)142.17%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%17.33%
Revenue Next Year2.37%
Revenue Next 2Y2.21%
Revenue Next 3Y2.45%
Revenue Next 5Y5.14%
EBIT growth 1Y165.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year13.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y126.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.58%
OCF growth 3YN/A
OCF growth 5YN/A