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BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

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

53.78  +0.01 (+0.02%)

After market: 53.78 0 (0%)

Fundamental Rating

3

Overall BHF gets a fundamental rating of 3 out of 10. We evaluated BHF against 144 industry peers in the Insurance industry. BHF has a bad profitability rating. Also its financial health evaluation is rather negative. BHF has a correct valuation and a medium 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.
BHF had a positive operating cash flow in the past year.
BHF had negative earnings in 4 of the past 5 years.
In multiple years BHF reported negative operating cash flow during the last 5 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

The Return On Assets of BHF (0.22%) is worse than 80.56% of its industry peers.
The Return On Equity of BHF (9.75%) is comparable to the rest of the 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

The Profit Margin of BHF (7.26%) is comparable to the rest of the industry.
Looking at the Operating Margin, with a value of 11.85%, BHF is in line with its industry, outperforming 50.00% of the companies in the same industry.
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
The number of shares outstanding for BHF has been reduced compared to 5 years ago.
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's Debt to FCF ratio of 8.17 is on the low side compared to the rest of the industry. BHF is outperformed by 73.61% 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.
The Debt to Equity ratio of BHF (0.60) is worse than 79.86% of its industry peers.
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.
BHF shows a strong growth in Revenue. In the last year, the Revenue has grown by 142.17%.
The Revenue has been decreasing by -6.34% on average over the past years.
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 0.00% on average per year.
Based on estimates for the next years, BHF will show a small growth in Revenue. The Revenue will grow by 2.74% on average per year.
EPS Next Y-30.42%
EPS Next 2Y-11.34%
EPS Next 3Y-3.61%
EPS Next 5Y0%
Revenue Next Year1.41%
Revenue Next 2Y1.9%
Revenue Next 3Y2.22%
Revenue Next 5Y2.74%

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
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 1.96, the valuation of BHF can be described as very cheap.
Based on the Price/Earnings ratio, BHF is valued cheaper than 88.89% of the companies in the same industry.
BHF is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 2.49, which indicates a rather cheap valuation of BHF.
85.42% of the companies in the same industry are more expensive than BHF, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.70. BHF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.96
Fwd PE 2.49
BHF Price Earnings VS Forward Price EarningsBHF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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
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 -3.61% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-11.34%
EPS Next 3Y-3.61%

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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 (7/1/2025, 9:30:00 PM)

After market: 53.78 0 (0%)

53.78

+0.01 (+0.02%)

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 Owners83.7%
Inst Owner Change-2.81%
Ins Owners1.1%
Ins Owner Change5.88%
Market Cap3.09B
Analysts54.12
Price Target62.48 (16.18%)
Short Float %3.37%
Short Ratio2.19
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)2.51%
PT rev (3m)-6.31%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)-5.99%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-6.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.5%
Revenue NY rev (1m)-0.94%
Revenue NY rev (3m)-3.73%
Valuation
Industry RankSector Rank
PE 1.96
Fwd PE 2.49
P/S 0.44
P/FCF 8
P/OCF 8
P/B 0.59
P/tB 0.59
EV/EBITDA N/A
EPS(TTM)27.39
EY50.93%
EPS(NY)21.59
Fwd EY40.15%
FCF(TTM)6.72
FCFY12.5%
OCF(TTM)6.72
OCFY12.5%
SpS122.63
BVpS91.26
TBVpS91.26
PEG (NY)N/A
PEG (5Y)0.05
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-30.42%
EPS Next 2Y-11.34%
EPS Next 3Y-3.61%
EPS Next 5Y0%
Revenue 1Y (TTM)142.17%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%17.33%
Revenue Next Year1.41%
Revenue Next 2Y1.9%
Revenue Next 3Y2.22%
Revenue Next 5Y2.74%
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