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

Fundamental Rating

Taking everything into account, BHFAL scores 3 out of 10 in our fundamental rating. BHFAL was compared to 147 industry peers in the Insurance industry. BHFAL has a bad profitability rating. Also its financial health evaluation is rather negative. BHFAL has a decent growth rate and is not valued too expensively. Finally BHFAL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BHFAL had positive earnings in the past year.

BHFAL had a positive operating cash flow in the past year.

BHFAL had negative earnings in 4 of the past 5 years.

In multiple years BHFAL reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of BHFAL (0.35%) is worse than 79.59% of its industry peers.

BHFAL's Return On Equity of 13.59% is fine compared to the rest of the industry. BHFAL outperforms 60.54% 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

With a decent Profit Margin value of 13.77%, BHFAL is doing good in the industry, outperforming 72.79% of the companies in the same industry.

With a decent Operating Margin value of 20.85%, BHFAL is doing good in the industry, outperforming 70.75% of the companies in the same industry.

		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

BHFAL has less shares outstanding than it did 1 year ago.

BHFAL has less shares outstanding than it did 5 years ago.

BHFAL has a better debt/assets ratio than last year.

2.2 Solvency

BHFAL has a debt to FCF ratio of 21.91. This is a negative value and a sign of low solvency as BHFAL would need 21.91 years to pay back of all of its debts.

BHFAL has a Debt to FCF ratio of 21.91. This is in the lower half of the industry: BHFAL underperforms 72.11% of its industry peers.

A Debt/Equity ratio of 0.50 indicates that BHFAL is not too dependend on debt financing.

BHFAL has a Debt to Equity ratio of 0.50. This is in the lower half of the industry: BHFAL underperforms 71.43% of its industry peers.

		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

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BHFAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.55%, which is quite good.

Measured over the past years, BHFAL 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 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

The Earnings Per Share is expected to decrease by -1.22% on average over the next years.

Based on estimates for the next years, BHFAL will show a small growth in Revenue. The Revenue will grow by 3.29% on average per year.

EPS Next Y0.1%

EPS Next 2Y-13.52%

EPS Next 3Y-7.38%

EPS Next 5Y-1.22%

Revenue Next Year0.91%

Revenue Next 2Y1.87%

Revenue Next 3Y1.59%

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.

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

BHFAL is valuated cheaply with a Price/Earnings ratio of 0.57.

BHFAL's Price/Earnings ratio is rather cheap when compared to the industry. BHFAL is cheaper than 97.28% of the companies in the same industry.

BHFAL is valuated cheaply when we compare the Price/Earnings ratio to 26.43, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 0.81 indicates a rather cheap valuation of BHFAL.

Based on the Price/Forward Earnings ratio, BHFAL is valued cheaper than 97.28% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.66. BHFAL is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	0.57
Fwd PE	0.81

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHFAL is valued a bit cheaper than the industry average as 60.54% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.64
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BHFAL does not grow enough to justify the current Price/Earnings ratio.

BHFAL's earnings are expected to decrease with -7.38% in the coming years. This may justify a cheaper valuation.

PEG (NY)5.85

PEG (5Y)0.01

EPS Next 2Y-13.52%

EPS Next 3Y-7.38%

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5. Dividend

5.1 Amount

BHFAL has a Yearly Dividend Yield of 9.40%, which is a nice return.

Compared to an average industry Dividend Yield of 2.64, BHFAL pays a better dividend. On top of this BHFAL pays more dividend than 93.88% of the companies listed in the same industry.

BHFAL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.

		Industry Rank	Sector Rank
Dividend Yield	9.4%

5.2 History

The dividend of BHFAL is nicely growing with an annual growth rate of 54.87%!

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 last 3 years.

Dividend Growth(5Y)54.87%

Div Incr Years0

Div Non Decr Years4

5.3 Sustainability

BHFAL pays out 11.79% of its income as dividend. This is a sustainable payout ratio.

DP11.79%

EPS Next 2Y-13.52%

EPS Next 3Y-7.38%

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

NASDAQ:BHFAL (12/16/2025, 4:52:26 PM)

16.73

+0.04 (+0.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-06 2025-11-06/amc

Earnings (Next)02-09 2026-02-09/amc

Inst Owners90.48%

Inst Owner ChangeN/A

Ins Owners1.16%

Ins Owner ChangeN/A

Market Cap956.45M

Revenue(TTM)6.28B

Net Income(TTM)865.00M

Analysts52.5

Price Target17.54 (4.84%)

Short Float %0%

Short Ratio0.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.4%

Yearly Dividend1.67

Dividend Growth(5Y)54.87%

DP11.79%

Div Incr Years0

Div Non Decr Years4

Ex-Date12-01 2025-12-01 (0.390625)

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)14%

PT rev (3m)-17.86%

EPS NQ rev (1m)-1.85%

EPS NQ rev (3m)-0.26%

EPS NY rev (1m)53.75%

EPS NY rev (3m)50.93%

Revenue NQ rev (1m)-1.78%

Revenue NQ rev (3m)-1.44%

Revenue NY rev (1m)-1.04%

Revenue NY rev (3m)-0.75%

Valuation

		Industry Rank	Sector Rank
PE	0.57
Fwd PE	0.81
P/S	0.15
P/FCF	6.64
P/OCF	6.64
P/B	0.15
P/tB	0.15
EV/EBITDA	N/A

EPS(TTM)29.54

EY176.57%

EPS(NY)20.54

Fwd EY122.79%

FCF(TTM)2.52

FCFY15.06%

OCF(TTM)2.52

OCFY15.06%

SpS109.88

BVpS111.3

TBVpS111.3

PEG (NY)5.85

PEG (5Y)0.01

Graham Number271.98

Profitability

		Industry Rank	Sector 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 Rank	Sector 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 Y0.1%

EPS Next 2Y-13.52%

EPS Next 3Y-7.38%

EPS Next 5Y-1.22%

Revenue 1Y (TTM)27.71%

Revenue growth 3Y-12.87%

Revenue growth 5Y-6.34%

Sales Q2Q%0.32%

Revenue Next Year0.91%

Revenue Next 2Y1.87%

Revenue Next 3Y1.59%

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 IN - BHF 6 1/4 09/15/58 / BHFAL FAQ

What is the fundamental rating for BHFAL stock?

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

What is the valuation status of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (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.

Can you provide the profitability details for BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58?

BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for BHFAL stock?

The Price/Earnings (PE) ratio for BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) is 0.57 and the Price/Book (PB) ratio is 0.15.

How sustainable is the dividend of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) stock?

The dividend rating of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) is 7 / 10 and the dividend payout ratio is 11.79%.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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

What is the fundamental rating for BHFAL stock?

What is the valuation status of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) stock?

Can you provide the profitability details for BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58?

Can you provide the PE and PB ratios for BHFAL stock?

How sustainable is the dividend of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) stock?