Logo image of BHF

BRIGHTHOUSE FINANCIAL INC (BHF) Stock Fundamental Analysis

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

54.67  +0.81 (+1.5%)

After market: 55 +0.33 (+0.6%)

Fundamental Rating

3

Overall BHF gets a fundamental rating of 3 out of 10. We evaluated BHF against 143 industry peers in the Insurance industry. Both the profitability and financial health of BHF have multiple concerns. BHF is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

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 0.12% is on the low side compared to the rest of the industry. BHF is outperformed by 81.82% of its industry peers.
With a Return On Equity value of 5.77%, BHF is not doing good in the industry: 74.13% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.12%
ROE 5.77%
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

BHF's Profit Margin of 6.05% is on the low side compared to the rest of the industry. BHF is outperformed by 61.54% of its industry peers.
BHF has a Operating Margin of 12.15%. This is comparable to the rest of the industry: BHF outperforms 51.75% of its industry peers.
Industry RankSector Rank
OM 12.15%
PM (TTM) 6.05%
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

More info and screens

2

2. Health

2.1 Basic Checks

The number of shares outstanding for BHF has been reduced compared to 1 year ago.
The number of shares outstanding for BHF has been reduced compared to 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 0.64 indicates that BHF is somewhat dependend on debt financing.
BHF has a Debt to Equity ratio of 0.64. This is in the lower half of the industry: BHF underperforms 79.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
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

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 97.63% over the past year.
The Earnings Per Share has been growing by 39.18% on average over the past years. This is a very strong growth
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 grow by 0.41% on average over the next years.
BHF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.14% yearly.
EPS Next Y-28.51%
EPS Next 2Y-11.08%
EPS Next 3Y-3.57%
EPS Next 5Y0.41%
Revenue Next Year5.37%
Revenue Next 2Y3.61%
Revenue Next 3Y3.29%
Revenue Next 5Y5.14%

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.
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 2028 2B 4B 6B 8B 10B
BHF Yearly EPS VS EstimatesBHF Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 10 20

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.99, which indicates a rather cheap valuation of BHF.
Based on the Price/Earnings ratio, BHF is valued cheaper than 86.01% of the companies in the same industry.
BHF is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 2.78 indicates a rather cheap valuation of BHF.
84.62% of the companies in the same industry are more expensive than BHF, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, BHF is valued rather cheaply.
Industry RankSector Rank
PE 1.99
Fwd PE 2.78
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

BHF's earnings are expected to decrease with -3.57% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y-11.08%
EPS Next 3Y-3.57%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for BHF!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

BRIGHTHOUSE FINANCIAL INC

NASDAQ:BHF (4/25/2025, 8:00:01 PM)

After market: 55 +0.33 (+0.6%)

54.67

+0.81 (+1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2025-02-11/amc
Earnings (Next)05-07 2025-05-07/amc
Inst Owners84.92%
Inst Owner Change0.33%
Ins Owners0.99%
Ins Owner Change1.57%
Market Cap3.17B
Analysts54.12
Price Target66.68 (21.97%)
Short Float %1.92%
Short Ratio1.24
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.67
Dividend Growth(5Y)54.87%
DP35.66%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)96.79%
Min EPS beat(2)16.79%
Max EPS beat(2)176.78%
EPS beat(4)4
Avg EPS beat(4)57.1%
Min EPS beat(4)8.71%
Max EPS beat(4)176.78%
EPS beat(8)6
Avg EPS beat(8)26.74%
EPS beat(12)9
Avg EPS beat(12)15.39%
EPS beat(16)13
Avg EPS beat(16)26.48%
Revenue beat(2)1
Avg Revenue beat(2)-1.45%
Min Revenue beat(2)-3.47%
Max Revenue beat(2)0.58%
Revenue beat(4)1
Avg Revenue beat(4)-2.41%
Min Revenue beat(4)-5.91%
Max Revenue beat(4)0.58%
Revenue beat(8)2
Avg Revenue beat(8)-2.42%
Revenue beat(12)3
Avg Revenue beat(12)-4.99%
Revenue beat(16)4
Avg Revenue beat(16)-8.45%
PT rev (1m)1.47%
PT rev (3m)25.03%
EPS NQ rev (1m)-2.54%
EPS NQ rev (3m)-4.17%
EPS NY rev (1m)-3.87%
EPS NY rev (3m)-2.33%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.04%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.51%
Valuation
Industry RankSector Rank
PE 1.99
Fwd PE 2.78
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)27.47
EY50.25%
EPS(NY)19.64
Fwd EY35.92%
FCF(TTM)-4.99
FCFYN/A
OCF(TTM)-4.99
OCFYN/A
SpS81.36
BVpS85.41
TBVpS85.41
PEG (NY)N/A
PEG (5Y)0.05
Profitability
Industry RankSector Rank
ROA 0.12%
ROE 5.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 12.15%
PM (TTM) 6.05%
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 0.64
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.8
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-28.51%
EPS Next 2Y-11.08%
EPS Next 3Y-3.57%
EPS Next 5Y0.41%
Revenue 1Y (TTM)14.74%
Revenue growth 3Y-12.87%
Revenue growth 5Y-6.34%
Sales Q2Q%6.42%
Revenue Next Year5.37%
Revenue Next 2Y3.61%
Revenue Next 3Y3.29%
Revenue Next 5Y5.14%
EBIT growth 1Y143.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year13.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-111.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-111.68%
OCF growth 3YN/A
OCF growth 5YN/A