BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) Fundamental Analysis & Valuation

NASDAQ:BHFAN • US10922N7075

13.55 USD
-0.01 (-0.07%)
Last: Mar 5, 2026, 04:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BHFAN. BHFAN was compared to 149 industry peers in the Insurance industry. BHFAN may be in some trouble as it scores bad on both profitability and health. BHFAN has a decent growth rate and is not valued too expensively. BHFAN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

1

1. BHFAN Profitability Analysis

1.1 Basic Checks

  • In the past year BHFAN was profitable.
  • BHFAN had a positive operating cash flow in the past year.
  • In multiple years BHFAN reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: BHFAN reported negative operating cash flow in multiple years.
BHFAN Yearly Net Income VS EBIT VS OCF VS FCFBHFAN 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%, BHFAN is not doing good in the industry: 79.19% of the companies in the same industry are doing better.
  • With a Return On Equity value of 4.89%, BHFAN is not doing good in the industry: 69.80% of the companies in the same industry are doing better.
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
BHFAN Yearly ROA, ROE, ROICBHFAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -10 -20

1.3 Margins

  • BHFAN's Profit Margin of 4.89% is on the low side compared to the rest of the industry. BHFAN is outperformed by 63.76% of its industry peers.
  • BHFAN has a worse Operating Margin (9.25%) than 61.74% 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
BHFAN Yearly Profit, Operating, Gross MarginsBHFAN 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. BHFAN Health Analysis

2.1 Basic Checks

  • BHFAN has less shares outstanding than it did 1 year ago.
  • BHFAN has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BHFAN has an improved debt to assets ratio.
BHFAN Yearly Shares OutstandingBHFAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
BHFAN Yearly Total Debt VS Total AssetsBHFAN 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

  • BHFAN has a debt to FCF ratio of 12.18. This is a negative value and a sign of low solvency as BHFAN would need 12.18 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 12.18, BHFAN is not doing good in the industry: 69.80% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.47 indicates that BHFAN is not too dependend on debt financing.
  • The Debt to Equity ratio of BHFAN (0.47) is worse than 69.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 12.18
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BHFAN Yearly LT Debt VS Equity VS FCFBHFAN 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
BHFAN Yearly Current Assets VS Current LiabilitesBHFAN 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. BHFAN Growth Analysis

3.1 Past

  • BHFAN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.55%.
  • The Earnings Per Share has been growing by 46.66% on average over the past years. This is a very strong growth
  • The Revenue has grown by 43.23% in the past year. This is a very strong growth!
  • Measured over the past years, BHFAN 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, BHFAN will show a decrease in Earnings Per Share. The EPS will decrease by -6.90% on average per year.
  • BHFAN 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 Year1.61%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BHFAN Yearly Revenue VS EstimatesBHFAN 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
BHFAN Yearly EPS VS EstimatesBHFAN 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. BHFAN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 0.48, the valuation of BHFAN can be described as very cheap.
  • BHFAN's Price/Earnings ratio is rather cheap when compared to the industry. BHFAN is cheaper than 99.33% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BHFAN to the average of the S&P500 Index (27.03), we can say BHFAN is valued rather cheaply.
  • The Price/Forward Earnings ratio is 0.65, which indicates a rather cheap valuation of BHFAN.
  • BHFAN's Price/Forward Earnings ratio is rather cheap when compared to the industry. BHFAN is cheaper than 99.33% of the companies in the same industry.
  • BHFAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 0.48
Fwd PE 0.65
BHFAN Price Earnings VS Forward Price EarningsBHFAN 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, BHFAN is valued cheaply inside the industry as 82.55% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.99
EV/EBITDA N/A
BHFAN Per share dataBHFAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • BHFAN'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. BHFAN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.87%, BHFAN is a good candidate for dividend investing.
  • BHFAN's Dividend Yield is rather good when compared to the industry average which is at 2.50. BHFAN pays more dividend than 97.32% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BHFAN pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.87%

5.2 History

  • The dividend of BHFAN is nicely growing with an annual growth rate of 31.18%!
  • BHFAN has been paying a dividend for over 5 years, so it has already some track record.
  • BHFAN has decreased its dividend in the last 3 years.
Dividend Growth(5Y)31.18%
Div Incr Years0
Div Non Decr Years2
BHFAN Yearly Dividends per shareBHFAN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • BHFAN 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%
BHFAN Yearly Income VS Free CF VS DividendBHFAN 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
BHFAN Dividend Payout.BHFAN Dividend Payout, showing the Payout Ratio.BHFAN Dividend Payout.PayoutRetained Earnings

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BHFAN Fundamentals: All Metrics, Ratios and Statistics

BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP

NASDAQ:BHFAN (3/5/2026, 4:30:02 PM)

13.55

-0.01 (-0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)05-06
Inst Owners90.57%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap774.79M
Revenue(TTM)6.77B
Net Income(TTM)331.00M
Analysts52
Price Target14.97 (10.48%)
Short Float %0.02%
Short Ratio0.1
Dividend
Industry RankSector Rank
Dividend Yield 9.87%
Yearly Dividend1.76
Dividend Growth(5Y)31.18%
DP30.82%
Div Incr Years0
Div Non Decr Years2
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)9.71%
PT rev (3m)10.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.69%
Valuation
Industry RankSector Rank
PE 0.48
Fwd PE 0.65
P/S 0.11
P/FCF 2.99
P/OCF 2.99
P/B 0.11
P/tB 0.11
EV/EBITDA N/A
EPS(TTM)28.17
EY207.9%
EPS(NY)20.94
Fwd EY154.54%
FCF(TTM)4.53
FCFY33.43%
OCF(TTM)4.53
OCFY33.43%
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 5 3/8 PERP / BHFAN FAQ

What is the ChartMill fundamental rating of BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) stock?

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


What is the valuation status of BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) stock?

ChartMill assigns a valuation rating of 6 / 10 to BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN). This can be considered as Fairly Valued.


How profitable is BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) stock?

BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) has a profitability rating of 1 / 10.


What is the valuation of BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) is 0.48 and the Price/Book (PB) ratio is 0.11.


What is the expected EPS growth for BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) stock?

The Earnings per Share (EPS) of BRIGHTHOUSE FINANCIAL IN - BHF 5 3/8 PERP (BHFAN) is expected to decline by -25.66% in the next year.