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

  • BHFAL had positive earnings in the past year.
  • In the past year BHFAL had a positive cash flow from operations.
  • In multiple years BHFAL reported negative net income over the last 5 years.
  • In multiple years BHFAL reported negative operating cash flow during the last 5 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

  • With a Return On Assets value of 0.14%, BHFAL is not doing good in the industry: 84.35% of the companies in the same industry are doing better.
  • 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

  • The Profit Margin of BHFAL (4.89%) is worse than 68.03% of its industry peers.
  • Looking at the Operating Margin, with a value of 9.25%, BHFAL is doing worse than 61.90% of the companies in the same industry.
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
  • Compared to 5 years ago, BHFAL has less shares outstanding
  • Compared to 1 year ago, BHFAL has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of BHFAL is 12.18, which is on the high side as it means it would take BHFAL, 12.18 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BHFAL (12.18) is worse than 75.51% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that BHFAL is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.47, BHFAL is doing worse than 72.11% of the companies in the same industry.
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.
  • Measured over the past years, BHFAL shows a very strong growth in Earnings Per Share. The EPS has been growing by 46.66% on average per year.
  • Looking at the last year, BHFAL shows a very strong growth in Revenue. The Revenue has grown by 43.23%.
  • Measured over the past years, BHFAL shows a decrease in Revenue. The Revenue has been decreasing by -4.47% on average per year.
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

  • BHFAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.30% yearly.
  • BHFAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.95% yearly.
EPS Next Y-29.11%
EPS Next 2Y-13.39%
EPS Next 3Y-10.2%
EPS Next 5Y-7.3%
Revenue Next Year0.17%
Revenue Next 2Y0.63%
Revenue Next 3Y1.66%
Revenue Next 5Y1.95%

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

  • BHFAL is valuated cheaply with a Price/Earnings ratio of 0.60.
  • 96.60% of the companies in the same industry are more expensive than BHFAL, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of BHFAL to the average of the S&P500 Index (27.42), we can say BHFAL is valued rather cheaply.
  • BHFAL is valuated cheaply with a Price/Forward Earnings ratio of 0.85.
  • BHFAL's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHFAL is cheaper than 97.28% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. BHFAL is valued rather cheaply when compared to this.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHFAL indicates a somewhat cheap valuation: BHFAL is cheaper than 74.83% of the companies listed in the same industry.
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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8

5. BHFAL Dividend Analysis

5.1 Amount

  • BHFAL has a Yearly Dividend Yield of 9.19%, which is a nice return.
  • 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.
  • BHFAL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 9.19%

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

  • BHFAL pays out 30.82% of its income as dividend. This is a 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, 8:23:06 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 9.19%
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)-5.12%
Revenue NQ rev (1m)0.54%
Revenue NQ rev (3m)-4.27%
Revenue NY rev (1m)-1.54%
Revenue NY rev (3m)-3.35%
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-7.3%
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 5Y1.95%
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%.