BRIGHTHOUSE FINANCIAL INC (BHF) Fundamental Analysis & Valuation

NASDAQ:BHF • US10922N1037

Current stock price

59.98 USD
-0.49 (-0.81%)
At close:
59.98 USD
0 (0%)
After Hours:

This BHF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. BHF Profitability Analysis

1.1 Basic Checks

  • In the past year BHF was profitable.
  • BHF had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: BHF reported negative net income in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B -4B

1.2 Ratios

  • BHF has a Return On Assets of 0.14%. This is amonst the worse of the industry: BHF underperforms 83.11% of its industry peers.
  • BHF has a worse Return On Equity (4.89%) than 75.68% of its industry peers.
Industry RankSector Rank
ROA 0.14%
ROE 4.89%
ROIC N/A
ROA(3y)-0.09%
ROA(5y)-0.08%
ROE(3y)-4.63%
ROE(5y)-3.38%
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 2025 0 -10 -20

1.3 Margins

  • BHF's Profit Margin of 4.89% is on the low side compared to the rest of the industry. BHF is outperformed by 66.22% of its industry peers.
  • The Operating Margin of BHF (9.25%) is worse than 64.19% of its industry peers.
Industry RankSector Rank
OM 9.25%
PM (TTM) 4.89%
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 2025 0 -50 -100

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2

2. BHF Health Analysis

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 2025 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 2025 50B 100B 150B 200B 250B

2.2 Solvency

  • The Debt to FCF ratio of BHF is 12.18, which is on the high side as it means it would take BHF, 12.18 years of fcf income to pay off all of its debts.
  • BHF has a Debt to FCF ratio of 12.18. This is in the lower half of the industry: BHF underperforms 75.68% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that BHF is not too dependend on debt financing.
  • BHF has a worse Debt to Equity ratio (0.47) than 72.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 12.18
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 2025 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. BHF Growth Analysis

3.1 Past

  • BHF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.55%.
  • Measured over the past years, BHF shows a very strong growth in Earnings Per Share. The EPS has been growing by 46.66% on average per year.
  • BHF shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.23%.
  • BHF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.47% yearly.
EPS 1Y (TTM)2.55%
EPS 3Y46.66%
EPS 5YN/A
EPS Q2Q%-27.02%
Revenue 1Y (TTM)43.23%
Revenue growth 3Y-7.22%
Revenue growth 5Y-4.47%
Sales Q2Q%-25.59%

3.2 Future

  • Based on estimates for the next years, BHF will show a decrease in Earnings Per Share. The EPS will decrease by -6.90% on average per year.
  • The Revenue is expected to grow by 2.23% on average over the next years.
EPS Next Y-25.66%
EPS Next 2Y-13.07%
EPS Next 3Y-10.2%
EPS Next 5Y-6.9%
Revenue Next Year1.74%
Revenue Next 2Y1.59%
Revenue Next 3Y2%
Revenue Next 5Y2.23%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2029 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 2029 0 10 20

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5

4. BHF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.13, the valuation of BHF can be described as very cheap.
  • Based on the Price/Earnings ratio, BHF is valued cheaply inside the industry as 87.84% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of BHF to the average of the S&P500 Index (24.88), we can say BHF is valued rather cheaply.
  • The Price/Forward Earnings ratio is 2.86, which indicates a rather cheap valuation of BHF.
  • Based on the Price/Forward Earnings ratio, BHF is valued cheaply inside the industry as 85.14% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, BHF is valued rather cheaply.
Industry RankSector Rank
PE 2.13
Fwd PE 2.86
BHF Price Earnings VS Forward Price EarningsBHF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • BHF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BHF is more expensive than 60.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.24
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

  • A cheap valuation may be justified as BHF's earnings are expected to decrease with -10.20% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.07%
EPS Next 3Y-10.2%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BHF Dividend Analysis

5.1 Amount

  • No dividends for BHF!.
Industry RankSector Rank
Dividend Yield 0%

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BHF Fundamentals: All Metrics, Ratios and Statistics

BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (3/27/2026, 8:02:27 PM)

After market: 59.98 0 (0%)

59.98

-0.49 (-0.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)05-06
Inst Owners91.47%
Inst Owner Change5.12%
Ins Owners1.22%
Ins Owner Change13.52%
Market Cap3.43B
Revenue(TTM)6.77B
Net Income(TTM)331.00M
Analysts52
Price Target67.32 (12.24%)
Short Float %11.57%
Short Ratio8.07
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend1.76
Dividend Growth(5Y)31.18%
DP30.82%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)100.38%
Min EPS beat(2)-29.76%
Max EPS beat(2)230.52%
EPS beat(4)1
Avg EPS beat(4)41.92%
Min EPS beat(4)-29.76%
Max EPS beat(4)230.52%
EPS beat(8)5
Avg EPS beat(8)49.51%
EPS beat(12)7
Avg EPS beat(12)31.8%
EPS beat(16)10
Avg EPS beat(16)22.03%
Revenue beat(2)0
Avg Revenue beat(2)-15.19%
Min Revenue beat(2)-25.5%
Max Revenue beat(2)-4.89%
Revenue beat(4)1
Avg Revenue beat(4)-7.4%
Min Revenue beat(4)-25.5%
Max Revenue beat(4)3.46%
Revenue beat(8)2
Avg Revenue beat(8)-4.91%
Revenue beat(12)3
Avg Revenue beat(12)-4.08%
Revenue beat(16)4
Avg Revenue beat(16)-5.59%
PT rev (1m)0%
PT rev (3m)-1%
EPS NQ rev (1m)-2.38%
EPS NQ rev (3m)1.82%
EPS NY rev (1m)-0.51%
EPS NY rev (3m)1.94%
Revenue NQ rev (1m)-3.11%
Revenue NQ rev (3m)-3.16%
Revenue NY rev (1m)-1.84%
Revenue NY rev (3m)-1.45%
Valuation
Industry RankSector Rank
PE 2.13
Fwd PE 2.86
P/S 0.51
P/FCF 13.24
P/OCF 13.24
P/B 0.51
P/tB 0.51
EV/EBITDA N/A
EPS(TTM)28.17
EY46.97%
EPS(NY)20.94
Fwd EY34.91%
FCF(TTM)4.53
FCFY7.55%
OCF(TTM)4.53
OCFY7.55%
SpS118.33
BVpS118.36
TBVpS118.36
PEG (NY)N/A
PEG (5Y)N/A
Graham Number273.9
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 4.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 9.25%
PM (TTM) 4.89%
GM N/A
FCFM 3.83%
ROA(3y)-0.09%
ROA(5y)-0.08%
ROE(3y)-4.63%
ROE(5y)-3.38%
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 0.47
Debt/FCF 12.18
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.15
Cash Conversion N/A
Profit Quality 78.25%
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)2.55%
EPS 3Y46.66%
EPS 5YN/A
EPS Q2Q%-27.02%
EPS Next Y-25.66%
EPS Next 2Y-13.07%
EPS Next 3Y-10.2%
EPS Next 5Y-6.9%
Revenue 1Y (TTM)43.23%
Revenue growth 3Y-7.22%
Revenue growth 5Y-4.47%
Sales Q2Q%-25.59%
Revenue Next Year1.74%
Revenue Next 2Y1.59%
Revenue Next 3Y2%
Revenue Next 5Y2.23%
EBIT growth 1Y9.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-31.45%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y189.31%
FCF growth 3YN/A
FCF growth 5Y-21.84%
OCF growth 1Y189.31%
OCF growth 3YN/A
OCF growth 5Y-21.84%

BRIGHTHOUSE FINANCIAL INC / BHF Fundamental Analysis FAQ

What is the fundamental rating for BHF stock?

ChartMill assigns a fundamental rating of 2 / 10 to BHF.


Can you provide the valuation status for BRIGHTHOUSE FINANCIAL INC?

ChartMill assigns a valuation rating of 5 / 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 1 / 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 decline by -25.66% 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 30.82%.