BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) Fundamental Analysis & Valuation

NASDAQ:BHFAL • US10922N2027

Current stock price

17 USD
+0.1 (+0.59%)
Last:

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

1

1. BHFAL Profitability Analysis

1.1 Basic Checks

  • In the past year BHFAL was profitable.
  • BHFAL had a positive operating cash flow in the past year.
  • In multiple years BHFAL reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: BHFAL reported negative operating cash flow in multiple years.
BHFAL Yearly Net Income VS EBIT VS OCF VS FCFBHFAL 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

  • The Return On Assets of BHFAL (0.14%) is worse than 84.35% of its industry peers.
  • The Return On Equity of BHFAL (4.89%) is worse than 78.23% 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
BHFAL Yearly ROA, ROE, ROICBHFAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -10 -20

1.3 Margins

  • BHFAL has a Profit Margin of 4.89%. This is in the lower half of the industry: BHFAL underperforms 68.03% of its industry peers.
  • BHFAL has a Operating Margin of 9.25%. This is in the lower half of the industry: BHFAL underperforms 61.90% 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
BHFAL Yearly Profit, Operating, Gross MarginsBHFAL 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. BHFAL Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, BHFAL has less shares outstanding
  • BHFAL has less shares outstanding than it did 5 years ago.
  • BHFAL has a better debt/assets ratio than last year.
BHFAL Yearly Shares OutstandingBHFAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BHFAL Yearly Total Debt VS Total AssetsBHFAL 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

  • BHFAL has a debt to FCF ratio of 12.18. This is a negative value and a sign of low solvency as BHFAL would need 12.18 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 12.18, BHFAL is doing worse than 75.51% of the companies in the same industry.
  • A Debt/Equity ratio of 0.47 indicates that BHFAL is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.47, BHFAL is not doing good in the industry: 72.11% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 12.18
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BHFAL Yearly LT Debt VS Equity VS FCFBHFAL 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
BHFAL Yearly Current Assets VS Current LiabilitesBHFAL 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. BHFAL Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.55% over the past year.
  • BHFAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 46.66% yearly.
  • The Revenue has grown by 43.23% in the past year. This is a very strong growth!
  • The Revenue has been decreasing by -4.47% on average over the past years.
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, BHFAL will show a decrease in Earnings Per Share. The EPS will decrease by -6.90% on average per year.
  • BHFAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.23% yearly.
EPS Next Y-29.11%
EPS Next 2Y-13.39%
EPS Next 3Y-10.2%
EPS Next 5Y-6.9%
Revenue Next Year0.17%
Revenue Next 2Y0.63%
Revenue Next 3Y1.66%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BHFAL Yearly Revenue VS EstimatesBHFAL 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
BHFAL Yearly EPS VS EstimatesBHFAL 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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6

4. BHFAL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 0.60, the valuation of BHFAL can be described as very cheap.
  • Based on the Price/Earnings ratio, BHFAL is valued cheaper than 96.60% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, BHFAL is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 0.85, the valuation of BHFAL can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, BHFAL is valued cheaply inside the industry as 97.28% of the companies are valued more expensively.
  • BHFAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.6
Fwd PE 0.85
BHFAL Price Earnings VS Forward Price EarningsBHFAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BHFAL is valued a bit cheaper than the industry average as 74.83% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.75
EV/EBITDA N/A
BHFAL Per share dataBHFAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • BHFAL's earnings are expected to decrease with -10.20% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.39%
EPS Next 3Y-10.2%

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

8

5. BHFAL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.11%, BHFAL is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.37, BHFAL pays a better dividend. On top of this BHFAL pays more dividend than 95.92% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, BHFAL pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.11%

5.2 History

  • The dividend of BHFAL is nicely growing with an annual growth rate of 31.18%!
  • BHFAL has been paying a dividend for over 5 years, so it has already some track record.
  • BHFAL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)31.18%
Div Incr Years0
Div Non Decr Years5
BHFAL Yearly Dividends per shareBHFAL Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 30.82% of the earnings are spent on dividend by BHFAL. This is a low number and sustainable payout ratio.
DP30.82%
EPS Next 2Y-13.39%
EPS Next 3Y-10.2%
BHFAL Yearly Income VS Free CF VS DividendBHFAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B
BHFAL Dividend Payout.BHFAL Dividend Payout, showing the Payout Ratio.BHFAL Dividend Payout.PayoutRetained Earnings

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BHFAL Fundamentals: All Metrics, Ratios and Statistics

BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58

NASDAQ:BHFAL (4/24/2026, 4:30:02 PM)

17

+0.1 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)05-11
Inst Owners92.06%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap972.06M
Revenue(TTM)6.77B
Net Income(TTM)331.00M
Analysts52
Price Target18.69 (9.94%)
Short Float %0%
Short Ratio0.08
Dividend
Industry RankSector Rank
Dividend Yield 9.11%
Yearly Dividend1.76
Dividend Growth(5Y)31.18%
DP30.82%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-27
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)-4.99%
PT rev (3m)2.2%
EPS NQ rev (1m)-5.87%
EPS NQ rev (3m)-8.11%
EPS NY rev (1m)-4.63%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)-1.19%
Revenue NQ rev (3m)-4.27%
Revenue NY rev (1m)-1.54%
Revenue NY rev (3m)-3.48%
Valuation
Industry RankSector Rank
PE 0.6
Fwd PE 0.85
P/S 0.14
P/FCF 3.75
P/OCF 3.75
P/B 0.14
P/tB 0.14
EV/EBITDA N/A
EPS(TTM)28.17
EY165.71%
EPS(NY)19.97
Fwd EY117.47%
FCF(TTM)4.53
FCFY26.64%
OCF(TTM)4.53
OCFY26.64%
SpS118.33
BVpS118.36
TBVpS118.36
PEG (NY)N/A
PEG (5Y)N/A
Graham Number273.9 (1511.18%)
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-29.11%
EPS Next 2Y-13.39%
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 Year0.17%
Revenue Next 2Y0.63%
Revenue Next 3Y1.66%
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 IN - BHF 6 1/4 09/15/58 / BHFAL Fundamental Analysis FAQ

What is the fundamental rating for BHFAL stock?

ChartMill assigns a fundamental rating of 3 / 10 to BHFAL.


What is the valuation status for BHFAL stock?

ChartMill assigns a valuation rating of 6 / 10 to BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL). This can be considered as Fairly Valued.


What is the profitability of BHFAL stock?

BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) has a profitability rating of 1 / 10.


Can you provide the expected EPS growth for BHFAL stock?

The Earnings per Share (EPS) of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) is expected to decline by -29.11% in the next year.


Can you provide the dividend sustainability for BHFAL stock?

The dividend rating of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) is 8 / 10 and the dividend payout ratio is 30.82%.