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BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

NASDAQ:BHF - Nasdaq - US10922N1037 - Common Stock - Currency: USD

59.45  -2.42 (-3.91%)

After market: 58.39 -1.06 (-1.78%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BHF. BHF was compared to 144 industry peers in the Insurance industry. BHF may be in some trouble as it scores bad on both profitability and health. BHF has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BHF had positive earnings in the past year.
In the past year BHF has reported a negative cash flow from operations.
BHF had negative earnings in 4 of the past 5 years.
In multiple years BHF reported negative operating cash flow during the last 5 years.
BHF Yearly Net Income VS EBIT VS OCF VS FCFBHF 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

BHF's Return On Assets of -0.53% is on the low side compared to the rest of the industry. BHF is outperformed by 84.40% of its industry peers.
BHF has a Return On Equity of -23.57%. This is amonst the worse of the industry: BHF underperforms 92.20% of its industry peers.
Industry RankSector Rank
ROA -0.53%
ROE -23.57%
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
BHF Yearly ROA, ROE, ROICBHF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for BHF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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
BHF Yearly Profit, Operating, Gross MarginsBHF 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

The number of shares outstanding for BHF has been reduced compared to 1 year ago.
BHF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BHF has been reduced compared to a year ago.
BHF Yearly Shares OutstandingBHF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BHF Yearly Total Debt VS Total AssetsBHF 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

A Debt/Equity ratio of 0.57 indicates that BHF is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.57, BHF is not doing good in the industry: 76.60% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BHF Yearly LT Debt VS Equity VS FCFBHF 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
BHF Yearly Current Assets VS Current LiabilitesBHF 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

The Earnings Per Share has grown by an impressive 97.63% over the past year.
BHF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.18% yearly.
The Revenue has grown by 14.74% in the past year. This is quite good.
Measured over the past years, BHF shows a decrease in Revenue. The Revenue has been decreasing by -6.34% on average per year.
EPS 1Y (TTM)97.63%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%85.71%
Revenue 1Y (TTM)14.74%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%6.42%

3.2 Future

The Earnings Per Share is expected to decrease by -1.33% on average over the next years.
Based on estimates for the next years, BHF will show a small growth in Revenue. The Revenue will grow by 3.84% on average per year.
EPS Next Y-25.64%
EPS Next 2Y-8.85%
EPS Next 3Y-1.33%
EPS Next 5YN/A
Revenue Next Year5.06%
Revenue Next 2Y3.62%
Revenue Next 3Y3.84%
Revenue Next 5YN/A

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BHF Yearly Revenue VS EstimatesBHF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B
BHF Yearly EPS VS EstimatesBHF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 10 20

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.16, the valuation of BHF can be described as very cheap.
Based on the Price/Earnings ratio, BHF is valued cheaper than 85.11% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, BHF is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.91, the valuation of BHF can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BHF indicates a rather cheap valuation: BHF is cheaper than 84.40% of the companies listed in the same industry.
BHF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 2.16
Fwd PE 2.91
BHF Price Earnings VS Forward Price EarningsBHF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BHF Per share dataBHF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y-8.85%
EPS Next 3Y-1.33%

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0

5. Dividend

5.1 Amount

BHF does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (2/21/2025, 8:03:22 PM)

After market: 58.39 -1.06 (-1.78%)

59.45

-2.42 (-3.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2025-02-11/amc
Earnings (Next)05-05 2025-05-05/amc
Inst Owners84.92%
Inst Owner Change-3.12%
Ins Owners0.99%
Ins Owner Change-14.72%
Market Cap3.49B
Analysts53.75
Price Target62.95 (5.89%)
Short Float %1.8%
Short Ratio1.81
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.55
Dividend Growth(5Y)N/A
DP-7.83%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)101.44%
Min EPS beat(2)26.1%
Max EPS beat(2)176.78%
EPS beat(4)3
Avg EPS beat(4)46.22%
Min EPS beat(4)-26.72%
Max EPS beat(4)176.78%
EPS beat(8)6
Avg EPS beat(8)30.64%
EPS beat(12)9
Avg EPS beat(12)17.51%
EPS beat(16)12
Avg EPS beat(16)23.93%
Revenue beat(2)0
Avg Revenue beat(2)-2.16%
Min Revenue beat(2)-3.47%
Max Revenue beat(2)-0.85%
Revenue beat(4)0
Avg Revenue beat(4)-2.74%
Min Revenue beat(4)-5.91%
Max Revenue beat(4)-0.74%
Revenue beat(8)1
Avg Revenue beat(8)-12.2%
Revenue beat(12)2
Avg Revenue beat(12)-5.81%
Revenue beat(16)3
Avg Revenue beat(16)-14.34%
PT rev (1m)-1.09%
PT rev (3m)10.37%
EPS NQ rev (1m)-5.69%
EPS NQ rev (3m)-2.1%
EPS NY rev (1m)3.83%
EPS NY rev (3m)30.02%
Revenue NQ rev (1m)0.67%
Revenue NQ rev (3m)2.13%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.77%
Valuation
Industry RankSector Rank
PE 2.16
Fwd PE 2.91
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)27.47
EY46.21%
EPS(NY)20.43
Fwd EY34.36%
FCF(TTM)-0.34
FCFYN/A
OCF(TTM)-0.34
OCFYN/A
SpS83.9
BVpS94.24
TBVpS94.24
PEG (NY)N/A
PEG (5Y)0.06
Profitability
Industry RankSector Rank
ROA -0.53%
ROE -23.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 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
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-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
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)97.63%
EPS 3Y9.31%
EPS 5Y39.18%
EPS Q2Q%85.71%
EPS Next Y-25.64%
EPS Next 2Y-8.85%
EPS Next 3Y-1.33%
EPS Next 5YN/A
Revenue 1Y (TTM)14.74%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%6.42%
Revenue Next Year5.06%
Revenue Next 2Y3.62%
Revenue Next 3Y3.84%
Revenue Next 5YN/A
EBIT growth 1Y2.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year13.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y95.43%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y95.43%
OCF growth 3YN/A
OCF growth 5YN/A