BNT Fundamental Analysis - BROOKFIELD WEALTH SOLUTIONS

Fundamental Rating

Taking everything into account, BNT scores 4 out of 10 in our fundamental rating. BNT was compared to 79 industry peers in the Insurance industry. There are concerns on the financial health of BNT while its profitability can be described as average. BNT is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BNT was profitable.

In the past year BNT had a positive cash flow from operations.

BNT had positive earnings in 4 of the past 5 years.

In the past 5 years BNT always reported a positive cash flow from operatings.

1.2 Ratios

BNT has a Return On Assets of 0.50%. This is comparable to the rest of the industry: BNT outperforms 48.10% of its industry peers.

BNT has a Return On Equity of 4.92%. This is amonst the worse of the industry: BNT underperforms 98.73% of its industry peers.

BNT's Return On Invested Capital of 2.03% is fine compared to the rest of the industry. BNT outperforms 74.68% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for BNT is in line with the industry average of 2.21%.

The 3 year average ROIC (1.22%) for BNT is below the current ROIC(2.03%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	0.5%
ROE	4.92%
ROIC	2.03%

ROA(3y)1%

ROA(5y)0.53%

ROE(3y)16.76%

ROE(5y)9.72%

ROIC(3y)1.22%

ROIC(5y)N/A

1.3 Margins

BNT's Profit Margin of 5.16% is on the low side compared to the rest of the industry. BNT is outperformed by 96.20% of its industry peers.

In the last couple of years the Profit Margin of BNT has grown nicely.

BNT's Operating Margin of 28.76% is amongst the best of the industry. BNT outperforms 94.94% of its industry peers.

In the last couple of years the Operating Margin of BNT has grown nicely.

		Industry Rank	Sector Rank
OM	28.76%
PM (TTM)	5.16%
GM	N/A

OM growth 3YN/A

OM growth 5Y70.25%

PM growth 3YN/A

PM growth 5Y40.48%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BNT is destroying value.

The number of shares outstanding for BNT has been increased compared to 1 year ago.

Compared to 5 years ago, BNT has more shares outstanding

Compared to 1 year ago, BNT has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of BNT is 1.14, which is an excellent value as it means it would take BNT, only 1.14 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.14, BNT is in the better half of the industry, outperforming 79.75% of the companies in the same industry.

BNT has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.

BNT's Debt to Equity ratio of 0.31 is on the low side compared to the rest of the industry. BNT is outperformed by 64.56% of its industry peers.

Even though the debt/equity ratio score it not favorable for BNT, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	1.14
Altman-Z	N/A

ROIC/WACC0.29

WACC7.08%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BNT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -51.85%.

The Earnings Per Share has been growing by 76.76% on average over the past years. This is a very strong growth

Looking at the last year, BNT shows a very strong growth in Revenue. The Revenue has grown by 57.84%.

BNT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 105.74% yearly.

EPS 1Y (TTM)-51.85%

EPS 3YN/A

EPS 5Y76.76%

EPS Q2Q%24.4%

Revenue 1Y (TTM)57.84%

Revenue growth 3Y24.63%

Revenue growth 5Y105.74%

Sales Q2Q%4.65%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.90, the valuation of BNT can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of BNT indicates a rather expensive valuation: BNT more expensive than 86.08% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.77, BNT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.9
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BNT is valued a bit cheaper than 77.22% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.71
EV/EBITDA	-1.25

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.13

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BNT has a yearly dividend return of 0.39%, which is pretty low.

Compared to an average industry Dividend Yield of 3.80, BNT's dividend is way lower than its industry peers. On top of this 97.47% of the companies listed in the same industry pay a better dividend than BNT!

With a Dividend Yield of 0.39, BNT pays less dividend than the S&P500 average, which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	0.39%

5.2 History

BNT has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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BROOKFIELD WEALTH SOLUTIONS

TSX:BNT (10/21/2025, 7:00:00 PM)

63.38

+0.06 (+0.09%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)N/A N/A

Inst Owners11.52%

Inst Owner ChangeN/A

Ins Owners3.98%

Ins Owner ChangeN/A

Market Cap4.14B

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.39%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-Date09-12 2025-09-12 (0.09)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	9.9
Fwd PE	N/A
P/S	0.21
P/FCF	0.71
P/OCF	0.71
P/B	0.2
P/tB	0.23
EV/EBITDA	-1.25

EPS(TTM)6.4

EY10.1%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)88.84

FCFY140.18%

OCF(TTM)89.68

OCFY141.5%

SpS309.07

BVpS324.17

TBVpS271.15

PEG (NY)N/A

PEG (5Y)0.13

Profitability

		Industry Rank	Sector Rank
ROA	0.5%
ROE	4.92%
ROCE	2.81%
ROIC	2.03%
ROICexc	2.22%
ROICexgc	2.66%
OM	28.76%
PM (TTM)	5.16%
GM	N/A
FCFM	28.75%

ROA(3y)1%

ROA(5y)0.53%

ROE(3y)16.76%

ROE(5y)9.72%

ROIC(3y)1.22%

ROIC(5y)N/A

ROICexc(3y)1.24%

ROICexc(5y)N/A

ROICexgc(3y)1.35%

ROICexgc(5y)N/A

ROCE(3y)1.69%

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y21.96%

ROICexc growth 3YN/A

ROICexc growth 5Y28.1%

OM growth 3YN/A

OM growth 5Y70.25%

PM growth 3YN/A

PM growth 5Y40.48%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	1.14
Debt/EBITDA	1.08
Cap/Depr	17.73%
Cap/Sales	0.27%
Interest Coverage	16.21
Cash Conversion	95.8%
Profit Quality	557.49%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC7.08%

ROIC/WACC0.29

Cap/Depr(3y)158.01%

Cap/Depr(5y)N/A

Cap/Sales(3y)0.92%

Cap/Sales(5y)0.58%

Profit Quality(3y)209.1%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-51.85%

EPS 3YN/A

EPS 5Y76.76%

EPS Q2Q%24.4%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)57.84%

Revenue growth 3Y24.63%

Revenue growth 5Y105.74%

Sales Q2Q%4.65%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y209.36%

EBIT growth 3YN/A

EBIT growth 5Y250.28%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y623.47%

FCF growth 3Y42.05%

FCF growth 5Y71.14%

OCF growth 1Y609.18%

OCF growth 3Y42.44%

OCF growth 5Y71.44%

BROOKFIELD WEALTH SOLUTIONS (BNT.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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