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

USA - Nasdaq - NASDAQ:BHFAM - US10922N8891

12 USD
+0.12 (+1.01%)
Last: 1/16/2026, 8:00:01 PM
12 USD
0 (0%)
After Hours: 1/16/2026, 8:00:01 PM
Fundamental Rating

3

Overall BHFAM gets a fundamental rating of 3 out of 10. We evaluated BHFAM against 146 industry peers in the Insurance industry. Both the profitability and financial health of BHFAM have multiple concerns. BHFAM is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year BHFAM was profitable.
  • BHFAM had a positive operating cash flow in the past year.
  • BHFAM had negative earnings in 4 of the past 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 0 2B -2B -4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.35%, BHFAM is doing worse than 75.34% of the companies in the same industry.
  • BHFAM has a better Return On Equity (13.59%) than 63.70% of its industry peers.
Industry RankSector 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
BHFAM Yearly ROA, ROE, ROICBHFAM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.77%, BHFAM is in the better half of the industry, outperforming 76.03% of the companies in the same industry.
  • The Operating Margin of BHFAM (20.85%) is better than 75.34% of its industry peers.
Industry RankSector 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
BHFAM Yearly Profit, Operating, Gross MarginsBHFAM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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2

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, BHFAM has less shares outstanding
  • The number of shares outstanding for BHFAM has been reduced compared to 5 years ago.
  • The debt/assets ratio for BHFAM has been reduced compared to a year ago.
BHFAM Yearly Shares OutstandingBHFAM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 50B 100B 150B 200B 250B

2.2 Solvency

  • The Debt to FCF ratio of BHFAM is 21.91, which is on the high side as it means it would take BHFAM, 21.91 years of fcf income to pay off all of its debts.
  • BHFAM has a Debt to FCF ratio of 21.91. This is in the lower half of the industry: BHFAM underperforms 69.86% of its industry peers.
  • A Debt/Equity ratio of 0.50 indicates that BHFAM is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.50, BHFAM is not doing good in the industry: 69.18% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF 21.91
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 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.55% over the past year.
  • BHFAM shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.18% yearly.
  • Looking at the last year, BHFAM shows a very strong growth in Revenue. The Revenue has grown by 27.71%.
  • Measured over the past years, BHFAM shows a decrease in Revenue. The Revenue has been decreasing by -6.34% on average per year.
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

  • Based on estimates for the next years, BHFAM will show a decrease in Earnings Per Share. The EPS will decrease by -1.22% on average per year.
  • The Revenue is expected to grow by 3.29% on average over the next years.
EPS Next Y7.63%
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%
EPS Next 5Y-1.22%
Revenue Next Year0.91%
Revenue Next 2Y1.87%
Revenue Next 3Y1.59%
Revenue Next 5Y3.29%

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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 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 0 10 20

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7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.41, the valuation of BHFAM can be described as very cheap.
  • BHFAM's Price/Earnings ratio is rather cheap when compared to the industry. BHFAM is cheaper than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.47, BHFAM is valued rather cheaply.
  • The Price/Forward Earnings ratio is 0.58, which indicates a rather cheap valuation of BHFAM.
  • Based on the Price/Forward Earnings ratio, BHFAM is valued cheaper than 100.00% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.26. BHFAM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 0.41
Fwd PE 0.58
BHFAM Price Earnings VS Forward Price EarningsBHFAM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • BHFAM's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BHFAM is cheaper than 73.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.76
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

  • BHFAM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A cheap valuation may be justified as BHFAM's earnings are expected to decrease with -7.27% in the coming years.
PEG (NY)0.05
PEG (5Y)0.01
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%

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6

5. Dividend

5.1 Amount

  • BHFAM has a Yearly Dividend Yield of 9.64%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.42, BHFAM pays a better dividend. On top of this BHFAM pays more dividend than 96.58% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, BHFAM pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.64%

5.2 History

  • The dividend of BHFAM is nicely growing with an annual growth rate of 54.87%!
  • BHFAM has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)54.87%
Div Incr Years0
Div Non Decr Years1
BHFAM Yearly Dividends per shareBHFAM Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 11.79% of the earnings are spent on dividend by BHFAM. This is a low number and sustainable payout ratio.
DP11.79%
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%
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 0 2B -2B
BHFAM Dividend Payout.BHFAM Dividend Payout, showing the Payout Ratio.BHFAM Dividend Payout.PayoutRetained Earnings

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BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP

NASDAQ:BHFAM (1/16/2026, 8:00:01 PM)

After market: 12 0 (0%)

12

+0.12 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-09
Inst Owners90.57%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap686.04M
Revenue(TTM)6.28B
Net Income(TTM)865.00M
Analysts52
Price Target12.24 (2%)
Short Float %0.01%
Short Ratio0.05
Dividend
Industry RankSector Rank
Dividend Yield 9.64%
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP11.79%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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)-2.21%
PT rev (3m)-5.97%
EPS NQ rev (1m)1.74%
EPS NQ rev (3m)1.48%
EPS NY rev (1m)7.53%
EPS NY rev (3m)65.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.78%
Valuation
Industry RankSector Rank
PE 0.41
Fwd PE 0.58
P/S 0.11
P/FCF 4.76
P/OCF 4.76
P/B 0.11
P/tB 0.11
EV/EBITDA N/A
EPS(TTM)29.54
EY246.17%
EPS(NY)20.53
Fwd EY171.1%
FCF(TTM)2.52
FCFY20.99%
OCF(TTM)2.52
OCFY20.99%
SpS109.88
BVpS111.3
TBVpS111.3
PEG (NY)0.05
PEG (5Y)0.01
Graham Number271.98
Profitability
Industry RankSector 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 RankSector 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 Y7.63%
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%
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 4 5/8 PERP / BHFAM 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 7 / 10 to BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM). This can be considered as Undervalued.


What is the profitability of BHFAM stock?

BRIGHTHOUSE FINANCIAL IN - BHF 4 5/8 PERP (BHFAM) has a profitability rating of 2 / 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 grow by 7.63% in the next year.