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BROOKFIELD WEALTH SOLUTIONS (BNT.CA) Stock Fundamental Analysis

Canada - TSX:BNT - BMG174341047 - Common Stock

93.9 CAD
-1.17 (-1.23%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BNT. BNT was compared to 80 industry peers in the Insurance industry. While BNT is still in line with the averages on profitability rating, there are concerns on its financial health. BNT is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BNT had positive earnings in the past year.
BNT had a positive operating cash flow in the past year.
BNT had positive earnings in 4 of the past 5 years.
Each year in the past 5 years BNT had a positive operating cash flow.
BNT.CA Yearly Net Income VS EBIT VS OCF VS FCFBNT.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of BNT (0.50%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 4.92%, BNT is doing worse than 97.50% of the companies in the same industry.
With a decent Return On Invested Capital value of 2.03%, BNT is doing good in the industry, outperforming 72.50% of the companies in the same industry.
Industry RankSector Rank
ROA 0.5%
ROE 4.92%
ROIC 2.03%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BNT.CA Yearly ROA, ROE, ROICBNT.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

1.3 Margins

BNT has a worse Profit Margin (5.16%) than 95.00% 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 95.00% of its industry peers.
BNT's Operating Margin has improved in the last couple of years.
Industry RankSector 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
BNT.CA Yearly Profit, Operating, Gross MarginsBNT.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BNT is destroying value.
There is no outstanding debt for BNT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BNT.CA Yearly Shares OutstandingBNT.CA Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 10M 20M 30M 40M 50M
BNT.CA Yearly Total Debt VS Total AssetsBNT.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 10B 20B 30B 40B

2.2 Solvency

BNT has a debt to FCF ratio of 1.14. This is a very positive value and a sign of high solvency as it would only need 1.14 years to pay back of all of its debts.
The Debt to FCF ratio of BNT (1.14) is better than 80.00% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that BNT is not too dependend on debt financing.
BNT has a worse Debt to Equity ratio (0.31) than 62.50% 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 RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.14
Altman-Z N/A
ROIC/WACC0.23
WACC8.65%
BNT.CA Yearly LT Debt VS Equity VS FCFBNT.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BNT.CA Yearly Current Assets VS Current LiabilitesBNT.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 200M 400M 600M

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4

3. Growth

3.1 Past

BNT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -51.87%.
Measured over the past years, BNT shows a very strong growth in Earnings Per Share. The EPS has been growing by 76.76% on average per year.
BNT shows a strong growth in Revenue. In the last year, the Revenue has grown by 57.84%.
The Revenue has been growing by 105.74% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-51.87%
EPS 3YN/A
EPS 5Y76.76%
EPS Q2Q%24.51%
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.
BNT.CA Yearly Revenue VS EstimatesBNT.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 5B 10B

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2

4. Valuation

4.1 Price/Earnings Ratio

BNT is valuated correctly with a Price/Earnings ratio of 14.86.
93.75% of the companies in the same industry are cheaper than BNT, based on the Price/Earnings ratio.
BNT is valuated rather cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.86
Fwd PE N/A
BNT.CA Price Earnings VS Forward Price EarningsBNT.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BNT is valued a bit cheaper than 73.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.71
EV/EBITDA -1.24
BNT.CA Per share dataBNT.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.19
EPS Next 2YN/A
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

BNT has a yearly dividend return of 0.52%, which is pretty low.
With a Dividend Yield of 0.52, BNT pays less dividend than the industry average, which is at 4.81. 96.25% of the companies listed in the same industry pay a better dividend than BNT!
Compared to an average S&P500 Dividend Yield of 2.45, BNT's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.52%

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
BNT.CA Yearly Dividends per shareBNT.CA Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
BNT.CA Yearly Income VS Free CF VS DividendBNT.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

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BROOKFIELD WEALTH SOLUTIONS

TSX:BNT (9/12/2025, 7:00:00 PM)

93.9

-1.17 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-13 2025-02-13/bmo
Earnings (Next)N/A N/A
Inst Owners12.11%
Inst Owner ChangeN/A
Ins Owners3.98%
Ins Owner ChangeN/A
Market Cap4.08B
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.52%
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 RankSector Rank
PE 14.86
Fwd PE N/A
P/S 0.2
P/FCF 0.71
P/OCF 0.71
P/B 0.2
P/tB 0.23
EV/EBITDA -1.24
EPS(TTM)6.32
EY6.73%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)131.87
FCFY140.44%
OCF(TTM)133.11
OCFY141.76%
SpS458.75
BVpS481.16
TBVpS402.47
PEG (NY)N/A
PEG (5Y)0.19
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 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 RankSector 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
WACC8.65%
ROIC/WACC0.23
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)-51.87%
EPS 3YN/A
EPS 5Y76.76%
EPS Q2Q%24.51%
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%