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BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP (BHFAO) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BHFAO - US10922N5095

16.71 USD
+0.12 (+0.72%)
Last: 1/16/2026, 4:30:01 PM
15.76 USD
-0.95 (-5.69%)
After Hours: 1/2/2026, 8:00:39 PM
Fundamental Rating

4

Overall BHFAO gets a fundamental rating of 4 out of 10. We evaluated BHFAO against 146 industry peers in the Insurance industry. BHFAO has a bad profitability rating. Also its financial health evaluation is rather negative. BHFAO may be a bit undervalued, certainly considering the very reasonable score on growth Finally BHFAO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • BHFAO had positive earnings in the past year.
  • BHFAO had a positive operating cash flow in the past year.
  • In the past 5 years BHFAO reported 4 times negative net income.
  • In multiple years BHFAO reported negative operating cash flow during the last 5 years.
BHFAO Yearly Net Income VS EBIT VS OCF VS FCFBHFAO 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

  • With a Return On Assets value of 0.35%, BHFAO is not doing good in the industry: 77.40% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 13.59%, BHFAO is in the better half of the industry, outperforming 61.64% of the companies in the same industry.
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
BHFAO Yearly ROA, ROE, ROICBHFAO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

  • BHFAO has a better Profit Margin (13.77%) than 73.97% of its industry peers.
  • BHFAO's Operating Margin of 20.85% is fine compared to the rest of the industry. BHFAO outperforms 73.29% 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
BHFAO Yearly Profit, Operating, Gross MarginsBHFAO 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

  • BHFAO has less shares outstanding than it did 1 year ago.
  • BHFAO has less shares outstanding than it did 5 years ago.
  • BHFAO has a better debt/assets ratio than last year.
BHFAO Yearly Shares OutstandingBHFAO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BHFAO Yearly Total Debt VS Total AssetsBHFAO 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 BHFAO is 21.91, which is on the high side as it means it would take BHFAO, 21.91 years of fcf income to pay off all of its debts.
  • BHFAO has a Debt to FCF ratio of 21.91. This is in the lower half of the industry: BHFAO underperforms 71.92% of its industry peers.
  • BHFAO 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, BHFAO is not doing good in the industry: 71.23% 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
BHFAO Yearly LT Debt VS Equity VS FCFBHFAO 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
BHFAO Yearly Current Assets VS Current LiabilitesBHFAO 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

  • BHFAO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.55%, which is quite good.
  • BHFAO 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, BHFAO shows a very strong growth in Revenue. The Revenue has grown by 27.71%.
  • Measured over the past years, BHFAO 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

  • The Earnings Per Share is expected to decrease by -1.22% on average over the next years.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BHFAO Yearly Revenue VS EstimatesBHFAO 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
BHFAO Yearly EPS VS EstimatesBHFAO 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

  • The Price/Earnings ratio is 0.57, which indicates a rather cheap valuation of BHFAO.
  • 97.95% of the companies in the same industry are more expensive than BHFAO, based on the Price/Earnings ratio.
  • BHFAO is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 0.81, the valuation of BHFAO can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, BHFAO is valued cheaper than 97.95% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.26. BHFAO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 0.57
Fwd PE 0.81
BHFAO Price Earnings VS Forward Price EarningsBHFAO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • 61.64% of the companies in the same industry are more expensive than BHFAO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.63
EV/EBITDA N/A
BHFAO Per share dataBHFAO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • BHFAO'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 BHFAO's earnings are expected to decrease with -7.27% in the coming years.
PEG (NY)0.07
PEG (5Y)0.01
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%

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7

5. Dividend

5.1 Amount

  • BHFAO has a Yearly Dividend Yield of 10.47%, which is a nice return.
  • BHFAO's Dividend Yield is rather good when compared to the industry average which is at 2.42. BHFAO pays more dividend than 97.95% of the companies in the same industry.
  • BHFAO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 10.47%

5.2 History

  • The dividend of BHFAO is nicely growing with an annual growth rate of 54.87%!
  • BHFAO has been paying a dividend for over 5 years, so it has already some track record.
  • BHFAO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)54.87%
Div Incr Years0
Div Non Decr Years4
BHFAO Yearly Dividends per shareBHFAO Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • BHFAO pays out 11.79% of its income as dividend. This is a sustainable payout ratio.
DP11.79%
EPS Next 2Y-13.55%
EPS Next 3Y-7.27%
BHFAO Yearly Income VS Free CF VS DividendBHFAO 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
BHFAO Dividend Payout.BHFAO Dividend Payout, showing the Payout Ratio.BHFAO Dividend Payout.PayoutRetained Earnings

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BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP

NASDAQ:BHFAO (1/16/2026, 4:30:01 PM)

After market: 15.76 -0.95 (-5.69%)

16.71

+0.12 (+0.72%)

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 Cap955.31M
Revenue(TTM)6.28B
Net Income(TTM)865.00M
Analysts52
Price Target16.34 (-2.21%)
Short Float %0.01%
Short Ratio0.06
Dividend
Industry RankSector Rank
Dividend Yield 10.47%
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP11.79%
Div Incr Years0
Div Non Decr Years4
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)-4.28%
PT rev (3m)-3.83%
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 0.57
Fwd PE 0.81
P/S 0.15
P/FCF 6.63
P/OCF 6.63
P/B 0.15
P/tB 0.15
EV/EBITDA N/A
EPS(TTM)29.54
EY176.78%
EPS(NY)20.53
Fwd EY122.87%
FCF(TTM)2.52
FCFY15.07%
OCF(TTM)2.52
OCFY15.07%
SpS109.88
BVpS111.3
TBVpS111.3
PEG (NY)0.07
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 6 3/4 PERP / BHFAO FAQ

Can you provide the ChartMill fundamental rating for BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP?

ChartMill assigns a fundamental rating of 4 / 10 to BHFAO.


What is the valuation status for BHFAO stock?

ChartMill assigns a valuation rating of 7 / 10 to BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP (BHFAO). This can be considered as Undervalued.


Can you provide the profitability details for BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP?

BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP (BHFAO) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP (BHFAO) stock?

The Price/Earnings (PE) ratio for BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP (BHFAO) is 0.57 and the Price/Book (PB) ratio is 0.15.


Is the dividend of BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP sustainable?

The dividend rating of BRIGHTHOUSE FINANCIAL IN - BHF 6 3/4 PERP (BHFAO) is 7 / 10 and the dividend payout ratio is 11.79%.