BHF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. BHF may be in some trouble as it scores bad on both profitability and health. BHF is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year BHF was profitable.
In the past year BHF had a positive cash flow from operations.
In the past 5 years BHF reported 4 times negative net income.
In multiple years BHF reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of BHF (0.35%) is worse than 79.05% of its industry peers.
BHF has a Return On Equity of 13.59%. This is in the better half of the industry: BHF outperforms 60.81% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 13.77%, BHF is in the better half of the industry, outperforming 72.97% of the companies in the same industry.
The Operating Margin of BHF (20.85%) is better than 70.95% of its industry peers.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BHF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BHF has less shares outstanding
Compared to 1 year ago, BHF has an improved debt to assets ratio.

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.
Looking at the Debt to FCF ratio, with a value of 21.91, BHF is doing worse than 72.30% of the companies in the same industry.
BHF has a Debt/Equity ratio of 0.50. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.50, BHF is doing worse than 71.62% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.5
Debt/FCF	21.91
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.55% over the past year.
The Earnings Per Share has been growing by 39.18% on average over the past years. This is a very strong growth
Looking at the last year, BHF shows a very strong growth in Revenue. The Revenue has grown by 27.71%.
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)27.71%

Revenue growth 3Y-12.87%

Revenue growth 5Y-6.34%

Sales Q2Q%0.32%

3.2 Future

The Earnings Per Share is expected to decrease by -1.22% on average over the next years.
BHF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.29% yearly.

EPS Next Y1.12%

EPS Next 2Y-12.47%

EPS Next 3Y-7.58%

EPS Next 5Y-1.22%

Revenue Next Year0.52%

Revenue Next 2Y2.07%

Revenue Next 3Y2.01%

Revenue Next 5Y3.29%

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

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.18, the valuation of BHF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of BHF indicates a rather cheap valuation: BHF is cheaper than 89.86% of the companies listed in the same industry.
BHF is valuated cheaply when we compare the Price/Earnings ratio to 28.60, which is the current average of the S&P500 Index.
BHF is valuated cheaply with a Price/Forward Earnings ratio of 3.06.
Based on the Price/Forward Earnings ratio, BHF is valued cheaply inside the industry as 87.16% of the companies are valued more expensively.
BHF is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	2.18
Fwd PE	3.06

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHF is valued a bit more expensive than 68.92% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	25.55
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BHF does not grow enough to justify the current Price/Earnings ratio.
BHF's earnings are expected to decrease with -7.58% in the coming years. This may justify a cheaper valuation.