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

NASDAQ:BHFAL • US10922N2027

17.12 USD
-0.23 (-1.33%)
Last: Mar 9, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Taking everything into account, BHFAL scores 3 out of 10 in our fundamental rating. BHFAL was compared to 149 industry peers in the Insurance industry. BHFAL has a bad profitability rating. Also its financial health evaluation is rather negative. BHFAL has a correct valuation and a medium growth rate. Finally BHFAL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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 80.54% of its industry peers.
  • BHFAL has a Return On Equity of 4.89%. This is in the lower half of the industry: BHFAL underperforms 71.14% 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's Profit Margin of 4.89% is on the low side compared to the rest of the industry. BHFAL is outperformed by 65.10% of its industry peers.
  • BHFAL has a Operating Margin of 9.25%. This is in the lower half of the industry: BHFAL underperforms 61.07% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • BHFAL has a worse Debt to FCF ratio (12.18) than 71.81% of its industry peers.
  • A Debt/Equity ratio of 0.47 indicates that BHFAL is not too dependend on debt financing.
  • The Debt to Equity ratio of BHFAL (0.47) is worse than 71.14% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • BHFAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.23%.
  • BHFAL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.47% yearly.
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 -6.90% yearly.
  • The Revenue is expected to grow by 2.23% on average over the next years.
EPS Next Y-25.66%
EPS Next 2Y-13.07%
EPS Next 3Y-10.2%
EPS Next 5Y-6.9%
Revenue Next Year1.61%
Revenue Next 2Y1.46%
Revenue Next 3Y2%
Revenue Next 5Y2.23%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 0.61.
  • Based on the Price/Earnings ratio, BHFAL is valued cheaply inside the industry as 97.32% of the companies are valued more expensively.
  • BHFAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.46.
  • With a Price/Forward Earnings ratio of 0.82, 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 97.32% of the companies are valued more expensively.
  • BHFAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.61
Fwd PE 0.82
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 74.50% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.78
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-13.07%
EPS Next 3Y-10.2%

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

7

5. BHFAL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.01%, BHFAL is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.89, BHFAL pays a better dividend. On top of this BHFAL pays more dividend than 93.96% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BHFAL pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.01%

5.2 History

  • On average, the dividend of BHFAL grows each year by 31.18%, which is quite nice.
  • 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)31.18%
Div Incr Years0
Div Non Decr Years4
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-13.07%
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 (3/9/2026, 8:00:02 PM)

17.12

-0.23 (-1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)05-06
Inst Owners91.47%
Inst Owner ChangeN/A
Ins Owners1.22%
Ins Owner ChangeN/A
Market Cap978.92M
Revenue(TTM)6.77B
Net Income(TTM)331.00M
Analysts52
Price Target19.68 (14.95%)
Short Float %0%
Short Ratio0.03
Dividend
Industry RankSector Rank
Dividend Yield 9.01%
Yearly Dividend1.76
Dividend Growth(5Y)31.18%
DP30.82%
Div Incr Years0
Div Non Decr Years4
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)4.85%
PT rev (3m)12.18%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)3.76%
EPS NY rev (1m)-0.51%
EPS NY rev (3m)1.94%
Revenue NQ rev (1m)-3.11%
Revenue NQ rev (3m)-3.16%
Revenue NY rev (1m)-1.96%
Revenue NY rev (3m)-1.57%
Valuation
Industry RankSector Rank
PE 0.61
Fwd PE 0.82
P/S 0.14
P/FCF 3.78
P/OCF 3.78
P/B 0.14
P/tB 0.14
EV/EBITDA N/A
EPS(TTM)28.17
EY164.54%
EPS(NY)20.94
Fwd EY122.31%
FCF(TTM)4.53
FCFY26.46%
OCF(TTM)4.53
OCFY26.46%
SpS118.33
BVpS118.36
TBVpS118.36
PEG (NY)N/A
PEG (5Y)N/A
Graham Number273.9
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-25.66%
EPS Next 2Y-13.07%
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 Year1.61%
Revenue Next 2Y1.46%
Revenue Next 3Y2%
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 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.


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 1 / 10.


What are the PE and PB ratios of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) stock?

The Price/Earnings (PE) ratio for BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) is 0.61 and the Price/Book (PB) ratio is 0.14.


How financially healthy is BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58?

The financial health rating of BRIGHTHOUSE FINANCIAL IN - BHF 6 1/4 09/15/58 (BHFAL) is 2 / 10.