BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM) Fundamental Analysis & Valuation

NASDAQ:BHFAM • US10922N8891

Current stock price

10.86 USD
-0.06 (-0.55%)
Last:

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

1

1. BHFAM Profitability Analysis

1.1 Basic Checks

  • In the past year BHFAM was profitable.
  • In the past year BHFAM had a positive cash flow from operations.
  • In multiple years BHFAM reported negative net income over the last 5 years.
  • In multiple years BHFAM reported negative operating cash flow during the last 5 years.
BHFAM Yearly Net Income VS EBIT VS OCF VS FCFBHFAM 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

  • BHFAM has a worse Return On Assets (0.14%) than 79.73% of its industry peers.
  • The Return On Equity of BHFAM (4.89%) is worse than 72.30% 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
BHFAM Yearly ROA, ROE, ROICBHFAM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -10 -20

1.3 Margins

  • BHFAM has a Profit Margin of 4.89%. This is in the lower half of the industry: BHFAM underperforms 62.84% of its industry peers.
  • The Operating Margin of BHFAM (9.25%) is worse than 60.81% 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
BHFAM Yearly Profit, Operating, Gross MarginsBHFAM 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. BHFAM Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, BHFAM has less shares outstanding
  • Compared to 5 years ago, BHFAM has less shares outstanding
  • BHFAM has a better debt/assets ratio than last year.
BHFAM Yearly Shares OutstandingBHFAM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BHFAM Yearly Total Debt VS Total AssetsBHFAM 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 BHFAM is 12.18, which is on the high side as it means it would take BHFAM, 12.18 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BHFAM (12.18) is worse than 72.30% of its industry peers.
  • BHFAM has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.47, BHFAM is doing worse than 68.92% 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
BHFAM Yearly LT Debt VS Equity VS FCFBHFAM 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
BHFAM Yearly Current Assets VS Current LiabilitesBHFAM 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. BHFAM Growth Analysis

3.1 Past

  • BHFAM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.55%.
  • Measured over the past years, BHFAM shows a very strong growth in Earnings Per Share. The EPS has been growing by 46.66% on average per year.
  • The Revenue has grown by 43.23% in the past year. This is a very strong growth!
  • Measured over the past years, BHFAM 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

  • Based on estimates for the next years, BHFAM will show a decrease in Earnings Per Share. The EPS will decrease by -6.90% on average per year.
  • BHFAM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.23% yearly.
EPS Next Y-25.66%
EPS Next 2Y-13.07%
EPS Next 3Y-10.2%
EPS Next 5Y-6.9%
Revenue Next Year1.74%
Revenue Next 2Y1.59%
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.
BHFAM Yearly Revenue VS EstimatesBHFAM 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
BHFAM Yearly EPS VS EstimatesBHFAM 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. BHFAM Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 0.39 indicates a rather cheap valuation of BHFAM.
  • Compared to the rest of the industry, the Price/Earnings ratio of BHFAM indicates a rather cheap valuation: BHFAM is cheaper than 99.32% of the companies listed in the same industry.
  • BHFAM is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 0.52, which indicates a rather cheap valuation of BHFAM.
  • BHFAM's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHFAM is cheaper than 100.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BHFAM to the average of the S&P500 Index (22.51), we can say BHFAM is valued rather cheaply.
Industry RankSector Rank
PE 0.39
Fwd PE 0.52
BHFAM Price Earnings VS Forward Price EarningsBHFAM 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, BHFAM is valued cheaper than 85.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.4
EV/EBITDA N/A
BHFAM Per share dataBHFAM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • A cheap valuation may be justified as BHFAM's earnings are expected to decrease with -10.20% in the coming years.
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. BHFAM Dividend Analysis

5.1 Amount

  • BHFAM has a Yearly Dividend Yield of 10.70%, which is a nice return.
  • BHFAM's Dividend Yield is rather good when compared to the industry average which is at 2.84. BHFAM pays more dividend than 96.62% of the companies in the same industry.
  • BHFAM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 10.7%

5.2 History

  • The dividend of BHFAM is nicely growing with an annual growth rate of 31.18%!
  • BHFAM has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of BHFAM decreased recently.
Dividend Growth(5Y)31.18%
Div Incr Years0
Div Non Decr Years1
BHFAM Yearly Dividends per shareBHFAM Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • BHFAM pays out 30.82% of its income as dividend. This is a sustainable payout ratio.
DP30.82%
EPS Next 2Y-13.07%
EPS Next 3Y-10.2%
BHFAM Yearly Income VS Free CF VS DividendBHFAM 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
BHFAM Dividend Payout.BHFAM Dividend Payout, showing the Payout Ratio.BHFAM Dividend Payout.PayoutRetained Earnings

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BHFAM Fundamentals: All Metrics, Ratios and Statistics

BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP

NASDAQ:BHFAM (3/26/2026, 8:06:10 PM)

10.86

-0.06 (-0.55%)

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 Cap620.97M
Revenue(TTM)6.77B
Net Income(TTM)331.00M
Analysts52
Price Target13.44 (23.76%)
Short Float %0.02%
Short Ratio0.27
Dividend
Industry RankSector Rank
Dividend Yield 10.7%
Yearly Dividend1.76
Dividend Growth(5Y)31.18%
DP30.82%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-10
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)5.52%
PT rev (3m)12.45%
EPS NQ rev (1m)-2.38%
EPS NQ rev (3m)1.82%
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)-1.84%
Revenue NY rev (3m)-1.45%
Valuation
Industry RankSector Rank
PE 0.39
Fwd PE 0.52
P/S 0.09
P/FCF 2.4
P/OCF 2.4
P/B 0.09
P/tB 0.09
EV/EBITDA N/A
EPS(TTM)28.17
EY259.39%
EPS(NY)20.94
Fwd EY192.82%
FCF(TTM)4.53
FCFY41.71%
OCF(TTM)4.53
OCFY41.71%
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 Year1.74%
Revenue Next 2Y1.59%
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 4 5/8 PERP / BHFAM Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM) stock?

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


Can you provide the valuation status for BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP?

ChartMill assigns a valuation rating of 6 / 10 to BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM). This can be considered as Fairly Valued.


What is the profitability of BHFAM stock?

BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM) has a profitability rating of 1 / 10.


Can you provide the financial health for BHFAM stock?

The financial health rating of BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM) is 2 / 10.


Can you provide the expected EPS growth for BHFAM stock?

The Earnings per Share (EPS) of BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM) is expected to decline by -25.66% in the next year.