BHF Stock Analysis: Brighthouse Financial | NASDAQ
Insurance - Life | NASDAQ, USA | Market Cap: 3.739m USD | 12M Return: 30.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 31.5M
EPS Trend: 61.3%
Qual. Beats: 0
Rev. Trend: 85.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 8.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Brighthouse Financial, Inc. (BHF) is a U.S. life insurance and annuity provider operating through three reportable segments: Annuities (variable, fixed, index-linked, and income products), Life (term, universal, whole, and variable life insurance), and Run-off (legacy blocks including universal life with secondary guarantees, structured settlements, pension risk transfer contracts, company-owned life insurance, and funding agreements). The company was founded in 1863, is headquartered in Charlotte, North Carolina, and became a publicly traded entity in 2017 following its separation from MetLife. As a life and health insurance issuer, Brighthouse earns revenue from insurance premiums, net investment income on its general account assets, and policy fees on variable and index-linked contracts. The Run-off segment reflects a common industry practice of placing legacy or discontinued business into a separate unit to isolate it from new sales activity.
- Fed rate cuts pressure fixed annuity spreads and net investment income
- Variable annuity equity exposure drives earnings volatility and hedging costs
- Aggressive share repurchase program supports earnings per share growth
| Net Income: -65.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.36 > 1.0 |
| NWC/Revenue: 275.7% < 20% (prev 386.2%; Δ -110.6% < -1%) |
| CFO/TA -0.00 > 3% & CFO -469.0m > Net Income -65.0m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 1.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.7m) vs 12m ago -0.90% < -2% |
| Gross Margin: 53.30% > 18% (prev 32.59%; Δ 20.71% > 0.5%) |
| Asset Turnover: 2.32% > 50% (prev 2.86%; Δ -0.54% > 0%) |
| Interest Coverage Ratio: -1.04 > 6 (EBIT TTM -158.0m / Interest Expense TTM 152.0m) |
| A: 0.06 (Total Current Assets 110b - Total Current Liabilities 95.0b) / Total Assets 237b |
| B: -0.01 (Retained Earnings -1.45b / Total Assets 237b) |
| C: -0.00 (EBIT TTM -158.0m / Avg Total Assets 235b) |
| D: 0.02 (Book Value of Equity 5.56b / Total Liabilities 231b) |
| Altman-Z'' = 0.42 = B |
As of July 21, 2026, the stock is trading at USD 64.91 with a total of 390,850 shares traded. Over the past week, the price has changed by -2.55%, over one month by +2.95%, over three months by +4.96% and over the past year by +30.46%.
Current recommended Stop Loss: 64.00 (which is 1.4% or 1.2 ATR below the current price).
Brighthouse Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold BHF.
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 65 | 0.1% |
P/E Forward = 3.5486
P/S = 0.6216
P/B = 0.6802
Revenue TTM = 5.45b USD
EBIT TTM = -158.0m USD
EBITDA TTM = -158.0m USD
Long Term Debt = 3.15b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 3.15b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -84.8b USD (calculated: Debt 3.15b - CCE 87.9b)
Enterprise Value = 3.74b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = -1.04 (Ebit TTM -158.0m / Interest Expense TTM 152.0m)
EV/FCF = -7.97x (Enterprise Value 3.74b / FCF TTM -469.0m)
FCF Yield = -12.54% (FCF TTM -469.0m / Enterprise Value 3.74b)
FCF Margin = -8.60% (FCF TTM -469.0m / Revenue TTM 5.45b)
Net Margin = -1.19% (Net Income TTM -65.0m / Revenue TTM 5.45b)
Gross Margin = 53.30% ((Revenue TTM 5.45b - Cost of Revenue TTM 2.55b) / Revenue TTM)
Gross Margin QoQ = 54.43% (prev 55.21%)
Tobins Q-Ratio = 0.02 (Enterprise Value 3.74b / Total Assets 237b)
Interest Expense / Debt = 4.82% (Interest Expense 152.0m / Debt 3.15b)
Taxrate = 7.59% (36.0m / 474.0m)
NOPAT = -146.0m (EBIT -158.0m * (1 - 7.59%)) [loss with tax shield]
Current Ratio = 1.16 (Total Current Assets 110b / Total Current Liabilities 95.0b)
Debt / Equity = 0.57 (Debt 3.15b / totalStockholderEquity, last quarter 5.56b)
Debt / EBITDA = 536.5 (negative EBITDA) (Net Debt -84.8b / EBITDA -158.0m)
Debt / FCF = 180.7 (negative FCF - burning cash) (Net Debt -84.8b / FCF TTM -469.0m)
Total Stockholder Equity = 6.09b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.03% (Net Income -65.0m / Total Assets 237b)
RoE = -1.07% (Net Income TTM -65.0m / Total Stockholder Equity 6.09b)
RoCE = -1.71% (EBIT -158.0m / Capital Employed (Equity 6.09b + L.T.Debt 3.15b))
RoIC = -0.10% (negative operating profit) (NOPAT -146.0m / Invested Capital 141b)
WACC = 6.74% (E(3.74b)/V(6.89b) * Re(8.67%) + D(3.15b)/V(6.89b) * Rd(4.82%) * (1-Tc(0.08)))
Discount Rate = 8.67% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.13 | Cagr: -4.53%
[DCF] Fair Price = unknown (Cash Flow -469.0m)
EPS Correlation: 61.32 | EPS CAGR: 9.18% | SUE: -0.13 | # QB: 0
Revenue Correlation: 85.90 | Revenue CAGR: 34.43% | SUE: -0.56 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.77 | Chg30d=-2.73% | Revisions=+25% | Analysts=5
EPS next Quarter (2026-09-30): EPS=5.22 | Chg30d=+3.30% | Revisions=+25% | Analysts=4
EPS current Year (2026-12-31): EPS=19.60 | Chg30d=-0.18% | Revisions=+0% | GrowthEPS=-29.8% | GrowthRev=+1.2%
EPS next Year (2027-12-31): EPS=19.77 | Chg30d=+1.80% | Revisions=+0% | GrowthEPS=+0.9% | GrowthRev=+0.1%
[Analyst] Revisions Ratio: +22% (up=4, down=2)