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

USA • Nasdaq • NASDAQ:BHFAM • US10922N8891

12.31 USD
+0.12 (+0.98%)
Last: Feb 10, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

BHFAM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. BHFAM has a bad profitability rating. Also its financial health evaluation is rather negative. BHFAM has a correct valuation and a medium growth rate.


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.
  • In the past 5 years BHFAM reported 4 times negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: BHFAM reported negative operating cash flow in multiple 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

  • BHFAM has a worse Return On Assets (0.35%) than 75.17% of its industry peers.
  • The Return On Equity of BHFAM (13.59%) is better than 64.43% 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

  • BHFAM has a better Profit Margin (13.77%) than 76.51% of its industry peers.
  • BHFAM has a better Operating Margin (20.85%) than 74.50% 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

  • The number of shares outstanding for BHFAM has been reduced compared to 1 year ago.
  • Compared to 5 years ago, BHFAM has less shares outstanding
  • Compared to 1 year ago, BHFAM has an improved debt to assets ratio.
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 68.46% of its industry peers.
  • BHFAM has a Debt/Equity ratio of 0.50. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.50, BHFAM is not doing good in the industry: 67.79% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • BHFAM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.55%, which is quite good.
  • The Earnings Per Share has been growing by 39.18% on average over the past years. This is a very strong growth
  • Looking at the last year, BHFAM shows a very strong growth in Revenue. The Revenue has grown by 27.71%.
  • 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

  • BHFAM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.22% yearly.
  • The Revenue is expected to grow by 3.29% on average over the next years.
EPS Next Y-0.23%
EPS Next 2Y-12.47%
EPS Next 3Y-7.58%
EPS Next 5Y-1.22%
Revenue Next Year0.52%
Revenue Next 2Y2.07%
Revenue Next 3Y2.01%
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.
  • 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 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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6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.42, the valuation of BHFAM can be described as very cheap.
  • Based on the Price/Earnings ratio, BHFAM is valued cheaper than 100.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 28.03. BHFAM is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 0.58, the valuation of BHFAM can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BHFAM indicates a rather cheap valuation: BHFAM is cheaper than 100.00% of the companies listed in the same industry.
  • BHFAM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
Industry RankSector Rank
PE 0.42
Fwd PE 0.58
BHFAM Price Earnings VS Forward Price EarningsBHFAM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BHFAM is valued a bit cheaper than 72.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.89
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 -7.58% in the coming years.
PEG (NY)N/A
PEG (5Y)0.01
EPS Next 2Y-12.47%
EPS Next 3Y-7.58%

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

6

5. Dividend

5.1 Amount

  • BHFAM has a Yearly Dividend Yield of 9.57%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.24, BHFAM pays a better dividend. On top of this BHFAM pays more dividend than 96.64% of the companies listed in the same industry.
  • BHFAM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 9.57%

5.2 History

  • On average, the dividend of BHFAM grows each year by 54.87%, which is quite nice.
  • 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-12.47%
EPS Next 3Y-7.58%
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 (2/10/2026, 8:00:00 PM)

12.31

+0.12 (+0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-23
Inst Owners90.57%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap703.76M
Revenue(TTM)6.28B
Net Income(TTM)865.00M
Analysts52
Price Target12.74 (3.49%)
Short Float %0.02%
Short Ratio0.13
Dividend
Industry RankSector Rank
Dividend Yield 9.57%
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)8.99%
PT rev (3m)-13.4%
EPS NQ rev (1m)1.64%
EPS NQ rev (3m)1.5%
EPS NY rev (1m)-7.31%
EPS NY rev (3m)53.24%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-1.73%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-1.42%
Valuation
Industry RankSector Rank
PE 0.42
Fwd PE 0.58
P/S 0.11
P/FCF 4.89
P/OCF 4.89
P/B 0.11
P/tB 0.11
EV/EBITDA N/A
EPS(TTM)29.54
EY239.97%
EPS(NY)21.05
Fwd EY170.98%
FCF(TTM)2.52
FCFY20.46%
OCF(TTM)2.52
OCFY20.46%
SpS109.88
BVpS111.3
TBVpS111.3
PEG (NY)N/A
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 Y-0.23%
EPS Next 2Y-12.47%
EPS Next 3Y-7.58%
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 Year0.52%
Revenue Next 2Y2.07%
Revenue Next 3Y2.01%
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 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 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 decline by -0.23% in the next year.