BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

NASDAQ:BHF • US10922N1037

63.93 USD
+0.25 (+0.39%)
At close: Feb 20, 2026
63.93 USD
0 (0%)
After Hours: 2/20/2026, 8:18:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, BHF scores 3 out of 10 in our fundamental rating. BHF was compared to 150 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

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 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 80.00% of its industry peers.
  • The Return On Equity of BHF (13.59%) is better than 61.33% of its industry peers.
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

  • Looking at the Profit Margin, with a value of 13.77%, BHF is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
  • Looking at the Operating Margin, with a value of 20.85%, BHF is in the better half of the industry, outperforming 71.33% of the companies in the same industry.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, BHF has an improved debt to assets ratio.
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

  • BHF has a debt to FCF ratio of 21.91. This is a negative value and a sign of low solvency as BHF would need 21.91 years to pay back of all of its debts.
  • The Debt to FCF ratio of BHF (21.91) is worse than 71.33% of its industry peers.
  • BHF has a Debt/Equity ratio of 0.50. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.50, BHF is not doing good in the industry: 71.33% of the companies in the same industry are doing better.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • BHF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.18% yearly.
  • The Revenue has grown by 27.71% in the past year. This is a very strong growth!
  • The Revenue has been decreasing by -6.34% on average over the past years.
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

  • Based on estimates for the next years, BHF will show a decrease in Earnings Per Share. The EPS will decrease by -4.37% on average per year.
  • BHF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.29% yearly.
EPS Next Y-0.23%
EPS Next 2Y-12.47%
EPS Next 3Y-7.58%
EPS Next 5Y-4.37%
Revenue Next Year0.52%
Revenue Next 2Y2.07%
Revenue Next 3Y2.01%
Revenue Next 5Y3.29%

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 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 2029 0 10 20

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.16, which indicates a rather cheap valuation of BHF.
  • Compared to the rest of the industry, the Price/Earnings ratio of BHF indicates a rather cheap valuation: BHF is cheaper than 88.00% of the companies listed in the same industry.
  • BHF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
  • BHF is valuated cheaply with a Price/Forward Earnings ratio of 3.04.
  • 87.33% of the companies in the same industry are more expensive than BHF, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, BHF is valued rather cheaply.
Industry RankSector Rank
PE 2.16
Fwd PE 3.04
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

  • Based on the Price/Free Cash Flow ratio, BHF is valued a bit more expensive than the industry average as 68.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 25.39
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 -7.58% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-12.47%
EPS Next 3Y-7.58%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (2/20/2026, 8:18:41 PM)

After market: 63.93 0 (0%)

63.93

+0.25 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-23
Inst Owners90.57%
Inst Owner Change4.45%
Ins Owners1.16%
Ins Owner Change0%
Market Cap3.66B
Revenue(TTM)6.28B
Net Income(TTM)865.00M
Analysts52
Price Target67.32 (5.3%)
Short Float %12.1%
Short Ratio9.35
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)-1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.96%
EPS NY rev (1m)-1.33%
EPS NY rev (3m)53.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.42%
Valuation
Industry RankSector Rank
PE 2.16
Fwd PE 3.04
P/S 0.58
P/FCF 25.39
P/OCF 25.39
P/B 0.57
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)29.54
EY46.21%
EPS(NY)21.05
Fwd EY32.92%
FCF(TTM)2.52
FCFY3.94%
OCF(TTM)2.52
OCFY3.94%
SpS109.86
BVpS111.28
TBVpS111.28
PEG (NY)N/A
PEG (5Y)0.06
Graham Number271.96
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 Y-0.23%
EPS Next 2Y-12.47%
EPS Next 3Y-7.58%
EPS Next 5Y-4.37%
Revenue 1Y (TTM)27.71%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%0.32%
Revenue Next Year0.52%
Revenue Next 2Y2.07%
Revenue Next 3Y2.01%
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 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 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 decline by -0.23% 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%.