BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis
USA - NASDAQ:BHF - US10922N1037 - Common Stock
65.78 USD
+0.16 (+0.24%)
65.78 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to BHF. BHF was compared to 147 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.
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.
The reported operating cash flow has been mixed in the past 5 years: BHF reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.23%, BHF is not doing good in the industry: 82.99% of the companies in the same industry are doing better.
BHF has a Return On Equity (9.91%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.23% | ||
| ROE | 9.91% | ||
| 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
1.3 Margins
BHF has a Profit Margin of 8.67%. This is comparable to the rest of the industry: BHF outperforms 57.14% of its industry peers.
BHF has a better Operating Margin (14.08%) than 63.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.08% | ||
| PM (TTM) | 8.67% | ||
| 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
2. Health
2.1 Basic Checks
The number of shares outstanding for BHF has been reduced compared to 1 year ago.
BHF has less shares outstanding than it did 5 years ago.
BHF has a better debt/assets ratio than last year.
2.2 Solvency
BHF has a debt to FCF ratio of 61.86. This is a negative value and a sign of low solvency as BHF would need 61.86 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 61.86, BHF is doing worse than 72.11% of the companies in the same industry.
BHF has a Debt/Equity ratio of 0.56. This is a neutral value indicating BHF is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.56, BHF is not doing good in the industry: 76.19% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 61.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.55% over the past year.
Measured over the past years, BHF shows a very strong growth in Earnings Per Share. The EPS has been growing by 39.18% on average per year.
The Revenue has grown by 14.74% in the past year. This is quite good.
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)14.74%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%0.32%
3.2 Future
BHF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.22% yearly.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y-34.89%
EPS Next 2Y-11.29%
EPS Next 3Y-4.53%
EPS Next 5Y-1.22%
Revenue Next Year1.97%
Revenue Next 2Y2.94%
Revenue Next 3Y2.31%
Revenue Next 5Y3.56%
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.
4. Valuation
4.1 Price/Earnings Ratio
BHF is valuated cheaply with a Price/Earnings ratio of 2.23.
Based on the Price/Earnings ratio, BHF is valued cheaper than 87.07% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.51. BHF is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 3.04, the valuation of BHF can be described as very cheap.
Based on the Price/Forward Earnings ratio, BHF is valued cheaper than 86.39% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.98. BHF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.23 | ||
| Fwd PE | 3.04 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHF indicates a slightly more expensive valuation: BHF is more expensive than 72.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 73.71 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BHF's earnings are expected to decrease with -4.53% in the coming years.
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-11.29%
EPS Next 3Y-4.53%
5. Dividend
5.1 Amount
No dividends for BHF!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
65.78
+0.16 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.79%
Inst Owner Change4.36%
Ins Owners1.16%
Ins Owner Change-1.22%
Market Cap3.76B
Revenue(TTM)4.72B
Net Income(TTM)562.00M
Analysts54.12
Price Target56.61 (-13.94%)
Short Float %6.31%
Short Ratio1.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP18.15%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-16.53%
Min EPS beat(2)-23.87%
Max EPS beat(2)-9.19%
EPS beat(4)2
Avg EPS beat(4)40.13%
Min EPS beat(4)-23.87%
Max EPS beat(4)176.78%
EPS beat(8)5
Avg EPS beat(8)21.8%
EPS beat(12)8
Avg EPS beat(12)19.18%
EPS beat(16)11
Avg EPS beat(16)16.24%
Revenue beat(2)1
Avg Revenue beat(2)0.4%
Min Revenue beat(2)-2.67%
Max Revenue beat(2)3.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.52%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)3.46%
Revenue beat(8)2
Avg Revenue beat(8)-1.91%
Revenue beat(12)3
Avg Revenue beat(12)-11.47%
Revenue beat(16)5
Avg Revenue beat(16)-3.45%
PT rev (1m)0.23%
PT rev (3m)-5.33%
EPS NQ rev (1m)0.42%
EPS NQ rev (3m)0.07%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-5.67%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)1.01%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.23 | ||
| Fwd PE | 3.04 | ||
| P/S | 0.58 | ||
| P/FCF | 73.71 | ||
| P/OCF | 73.71 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)29.54
EY44.91%
EPS(NY)21.62
Fwd EY32.87%
FCF(TTM)0.89
FCFY1.36%
OCF(TTM)0.89
OCFY1.36%
SpS113.46
BVpS99.27
TBVpS99.27
PEG (NY)N/A
PEG (5Y)0.06
Graham Number256.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.23% | ||
| ROE | 9.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.08% | ||
| PM (TTM) | 8.67% | ||
| GM | N/A | ||
| FCFM | 0.79% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 61.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.05 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 9.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
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-34.89%
EPS Next 2Y-11.29%
EPS Next 3Y-4.53%
EPS Next 5Y-1.22%
Revenue 1Y (TTM)14.74%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%0.32%
Revenue Next Year1.97%
Revenue Next 2Y2.94%
Revenue Next 3Y2.31%
Revenue Next 5Y3.56%
EBIT growth 1Y188.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.5%
EBIT Next 3Y5.26%
EBIT Next 5YN/A
FCF growth 1Y102.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y102.93%
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.
What is the valuation status for BHF stock?
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 valuation of BRIGHTHOUSE FINANCIAL INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BRIGHTHOUSE FINANCIAL INC (BHF) is 2.23 and the Price/Book (PB) ratio is 0.66.
What is the earnings growth outlook for BRIGHTHOUSE FINANCIAL INC?
The Earnings per Share (EPS) of BRIGHTHOUSE FINANCIAL INC (BHF) is expected to decline by -34.89% in the next year.