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BRIGHTHOUSE FINANCIAL IN - BHF 6.6 PERP (BHFAP) Stock Fundamental Analysis

NASDAQ:BHFAP - Nasdaq - US10922N3017 - Currency: USD

16.82  -0.07 (-0.41%)

Fundamental Rating

4

Taking everything into account, BHFAP scores 4 out of 10 in our fundamental rating. BHFAP was compared to 145 industry peers in the Insurance industry. BHFAP has a bad profitability rating. Also its financial health evaluation is rather negative. BHFAP has a correct valuation and a medium growth rate. BHFAP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BHFAP was profitable.
BHFAP had a positive operating cash flow in the past year.
BHFAP had negative earnings in 4 of the past 5 years.
In multiple years BHFAP reported negative operating cash flow during the last 5 years.
BHFAP Yearly Net Income VS EBIT VS OCF VS FCFBHFAP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B -4B

1.2 Ratios

BHFAP's Return On Assets of 0.22% is on the low side compared to the rest of the industry. BHFAP is outperformed by 77.24% of its industry peers.
With a Return On Equity value of 9.75%, BHFAP perfoms like the industry average, outperforming 50.34% of the companies in the same industry.
Industry RankSector Rank
ROA 0.22%
ROE 9.75%
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
BHFAP Yearly ROA, ROE, ROICBHFAP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

BHFAP has a Profit Margin (7.26%) which is comparable to the rest of the industry.
BHFAP has a Operating Margin (11.85%) which is in line with its industry peers.
Industry RankSector Rank
OM 11.85%
PM (TTM) 7.26%
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
BHFAP Yearly Profit, Operating, Gross MarginsBHFAP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

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2

2. Health

2.1 Basic Checks

BHFAP has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BHFAP has less shares outstanding
Compared to 1 year ago, BHFAP has an improved debt to assets ratio.
BHFAP Yearly Shares OutstandingBHFAP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BHFAP Yearly Total Debt VS Total AssetsBHFAP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B 250B

2.2 Solvency

The Debt to FCF ratio of BHFAP is 8.17, which is on the high side as it means it would take BHFAP, 8.17 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 8.17, BHFAP is doing worse than 70.34% of the companies in the same industry.
A Debt/Equity ratio of 0.60 indicates that BHFAP is somewhat dependend on debt financing.
BHFAP has a Debt to Equity ratio of 0.60. This is in the lower half of the industry: BHFAP underperforms 76.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 8.17
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BHFAP Yearly LT Debt VS Equity VS FCFBHFAP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
BHFAP Yearly Current Assets VS Current LiabilitesBHFAP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2020 2021 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 79.14% over the past year.
Measured over the past years, BHFAP shows a very strong growth in Earnings Per Share. The EPS has been growing by 39.18% on average per year.
Looking at the last year, BHFAP shows a very strong growth in Revenue. The Revenue has grown by 142.17%.
Measured over the past years, BHFAP shows a decrease in Revenue. The Revenue has been decreasing by -6.34% on average per year.
EPS 1Y (TTM)79.14%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%-1.88%
Revenue 1Y (TTM)142.17%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%17.33%

3.2 Future

BHFAP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.00% yearly.
Based on estimates for the next years, BHFAP will show a small growth in Revenue. The Revenue will grow by 2.74% on average per year.
EPS Next Y-30.98%
EPS Next 2Y-10.72%
EPS Next 3Y-4.08%
EPS Next 5Y0%
Revenue Next Year1.66%
Revenue Next 2Y2.13%
Revenue Next 3Y1.92%
Revenue Next 5Y2.74%

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.
BHFAP Yearly Revenue VS EstimatesBHFAP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B
BHFAP Yearly EPS VS EstimatesBHFAP 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 0.61, the valuation of BHFAP can be described as very cheap.
Based on the Price/Earnings ratio, BHFAP is valued cheaply inside the industry as 97.24% of the companies are valued more expensively.
BHFAP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
A Price/Forward Earnings ratio of 0.77 indicates a rather cheap valuation of BHFAP.
Based on the Price/Forward Earnings ratio, BHFAP is valued cheaper than 97.24% of the companies in the same industry.
BHFAP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.44.
Industry RankSector Rank
PE 0.61
Fwd PE 0.77
BHFAP Price Earnings VS Forward Price EarningsBHFAP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHFAP is valued cheaper than 85.52% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.5
EV/EBITDA N/A
BHFAP Per share dataBHFAP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

BHFAP's earnings are expected to decrease with -4.08% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.02
EPS Next 2Y-10.72%
EPS Next 3Y-4.08%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 9.81%, BHFAP is a good candidate for dividend investing.
BHFAP's Dividend Yield is rather good when compared to the industry average which is at 3.48. BHFAP pays more dividend than 96.55% of the companies in the same industry.
BHFAP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 9.81%

5.2 History

On average, the dividend of BHFAP grows each year by 54.87%, which is quite nice.
BHFAP has been paying a dividend for over 5 years, so it has already some track record.
As BHFAP did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)54.87%
Div Incr Years0
Div Non Decr Years5
BHFAP Yearly Dividends per shareBHFAP Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

BHFAP pays out 19.96% of its income as dividend. This is a sustainable payout ratio.
BHFAP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP19.96%
EPS Next 2Y-10.72%
EPS Next 3Y-4.08%
BHFAP Yearly Income VS Free CF VS DividendBHFAP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B
BHFAP Dividend Payout.BHFAP Dividend Payout, showing the Payout Ratio.BHFAP Dividend Payout.PayoutRetained Earnings

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BRIGHTHOUSE FINANCIAL IN - BHF 6.6 PERP

NASDAQ:BHFAP (7/18/2025, 8:00:01 PM)

16.82

-0.07 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-07 2025-08-07/amc
Inst Owners83.7%
Inst Owner ChangeN/A
Ins Owners1.1%
Ins Owner ChangeN/A
Market Cap965.64M
Analysts54.12
Price Target21.77 (29.43%)
Short Float %0.03%
Short Ratio0.33
Dividend
Industry RankSector Rank
Dividend Yield 9.81%
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP19.96%
Div Incr Years0
Div Non Decr Years5
Ex-Date06-10 2025-06-10 (0.4125)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.8%
Min EPS beat(2)-9.19%
Max EPS beat(2)16.79%
EPS beat(4)3
Avg EPS beat(4)52.62%
Min EPS beat(4)-9.19%
Max EPS beat(4)176.78%
EPS beat(8)6
Avg EPS beat(8)27.21%
EPS beat(12)8
Avg EPS beat(12)14.03%
EPS beat(16)12
Avg EPS beat(16)21.51%
Revenue beat(2)2
Avg Revenue beat(2)2.02%
Min Revenue beat(2)0.58%
Max Revenue beat(2)3.46%
Revenue beat(4)2
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-3.47%
Max Revenue beat(4)3.46%
Revenue beat(8)3
Avg Revenue beat(8)-1.4%
Revenue beat(12)4
Avg Revenue beat(12)-3.76%
Revenue beat(16)5
Avg Revenue beat(16)-4.73%
PT rev (1m)0.89%
PT rev (3m)-3.34%
EPS NQ rev (1m)-2.91%
EPS NQ rev (3m)-5.19%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)-3.46%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)-4.27%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)-3.52%
Valuation
Industry RankSector Rank
PE 0.61
Fwd PE 0.77
P/S 0.14
P/FCF 2.5
P/OCF 2.5
P/B 0.18
P/tB 0.18
EV/EBITDA N/A
EPS(TTM)27.39
EY162.84%
EPS(NY)21.9
Fwd EY130.17%
FCF(TTM)6.72
FCFY39.97%
OCF(TTM)6.72
OCFY39.97%
SpS122.63
BVpS91.26
TBVpS91.26
PEG (NY)N/A
PEG (5Y)0.02
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 9.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 11.85%
PM (TTM) 7.26%
GM N/A
FCFM 5.48%
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
ROICexcg growth 3YN/A
ROICexcg 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 0.6
Debt/FCF 8.17
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.52
Cash Conversion N/A
Profit Quality 75.54%
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)79.14%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%-1.88%
EPS Next Y-30.98%
EPS Next 2Y-10.72%
EPS Next 3Y-4.08%
EPS Next 5Y0%
Revenue 1Y (TTM)142.17%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%17.33%
Revenue Next Year1.66%
Revenue Next 2Y2.13%
Revenue Next 3Y1.92%
Revenue Next 5Y2.74%
EBIT growth 1Y165.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year13.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y126.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.58%
OCF growth 3YN/A
OCF growth 5YN/A