(BHF) Brighthouse Financial - Overview
Sector: Financial Services | Industry: Insurance - Life | Exchange: NASDAQ (USA) | Market Cap: 3.610m USD | Total Return: 7.5% in 12m
Annuities, Life Insurance, Wealth Transfer, Financial Security
Total Rating 22
Safety 70
Buy Signal 0.38
Insurance - Life
Industry Rotation: +5.5
Industry Rotation: +5.5
Market Cap:
3.61B
Avg Turnover: 30.2M
Avg Turnover: 30.2M
Risk 3d forecast
Volatility21.7%
VaR 5th Pctl3.16%
VaR vs Median-16.5%
Reward TTM
Sharpe Ratio0.30
Rel. Str. IBD45.8
Rel. Str. Peer Group22.5
Character TTM
Beta0.823
Beta Downside1.070
Hurst Exponent0.520
Drawdowns 3y
Max DD31.14%
CAGR/Max DD0.50
CAGR/Mean DD1.45
EPS (Earnings per Share)
EPS CAGR: 9.18%
EPS Trend: 61.3%
EPS Trend: 61.3%
Last SUE: -0.72
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 34.43%
Rev. Trend: 85.9%
Rev. Trend: 85.9%
Last SUE: -0.56
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: BHF Brighthouse Financial
Brighthouse Financial, Inc. (BHF) is a major U.S. provider of annuity and life insurance solutions, operating through Annuities, Life, and Run-off segments. The company specializes in tax-deferred wealth accumulation, income security, and financial protection products, including variable, fixed, and index-linked annuities alongside various life insurance structures.
The Life & Health Insurance sector operates on an asset-liability management model, where premiums are invested in long-term fixed-income portfolios to fund future claims. As a spinoff from MetLife, Brighthouse Financial maintains a significant Run-off segment that manages legacy obligations such as pension risk transfers and structured settlements.
To better understand the companys valuation metrics, consider reviewing the latest data on ValueRay. Founded in 1863 and headquartered in Charlotte, North Carolina, the firm remains a central player in the domestic retirement and protection market.
- Variable annuity sales volumes drive fee income amid equity market volatility
- Interest rate fluctuations impact net investment income and hedging program costs
- Statutory capital levels dictate the pace of share repurchase programs
- Legacy life insurance block performance affects long-term reserve adequacy requirements
- Derivative portfolio valuation shifts create significant GAAP earnings volatility and noise
Piotroski VR‑10 (Strict)
1.5
| 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 0.33%; Δ 5.30k% > 0.5%) |
| Asset Turnover: 2.32% > 50% (prev 2.86%; Δ -0.54% > 0%) |
| Interest Coverage Ratio: 0.86 > 6 (EBITDA TTM -6.00m / Interest Expense TTM 152.0m) |
Altman Z''
0.37
| A: 0.06 (Total Current Assets 110.06b - Total Current Liabilities 95.03b) / Total Assets 236.80b |
| B: -0.01 (Retained Earnings -1.45b / Total Assets 236.80b) |
| C: 0.00 (EBIT TTM 131.0m / Avg Total Assets 235.28b) |
| D: -0.02 (Book Value of Equity -5.61b / Total Liabilities 231.18b) |
| Altman-Z'' = 0.37 = B |
What is the price of BHF shares?
As of May 22, 2026, the stock is trading at USD 62.71 with a total of 616,443 shares traded.
Over the past week, the price has changed by +2.10%, over one month by +1.31%, over three months by +0.27% and over the past year by +7.51%.
Over the past week, the price has changed by +2.10%, over one month by +1.31%, over three months by +0.27% and over the past year by +7.51%.
Is BHF a buy, sell or hold?
Brighthouse Financial has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold BHF.
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the BHF price?
| Analysts Target Price | 65 | 3.7% |
Brighthouse Financial (BHF) - Fundamental Data Overview
as of 20 May 2026
P/E Forward = 3.3356 P/S = 0.5929
P/B = 0.6475
Revenue TTM = 5.45b USD
EBIT TTM = 131.0m USD
EBITDA TTM = -6.00m 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 = -84.77b USD (recalculated: Debt 3.15b - CCE 87.92b)
Enterprise Value = 3.61b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.86 (Ebit TTM 131.0m / Interest Expense TTM 152.0m)
EV/FCF = -7.70x (Enterprise Value 3.61b / FCF TTM -469.0m)
FCF Yield = -12.99% (FCF TTM -469.0m / Enterprise Value 3.61b)
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 3.61b / Total Assets 236.80b)
Interest Expense / Debt = 1.20% (Interest Expense 38.0m / Debt 3.15b)
Taxrate = 7.59% (36.0m / 474.0m)
NOPAT = 121.1m (EBIT 131.0m * (1 - 7.59%))
Current Ratio = 1.16 (Total Current Assets 110.06b / Total Current Liabilities 95.03b)
Debt / Equity = 0.57 (Debt 3.15b / totalStockholderEquity, last quarter 5.56b)
Debt / EBITDA = 14.1k (out of range, set to none) (Net Debt -84.77b / EBITDA -6.00m)
Debt / FCF = 180.7 (negative FCF - burning cash) (Net Debt -84.77b / FCF TTM -469.0m)
Total Stockholder Equity = 6.09b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.03% (Net Income -65.0m / Total Assets 236.80b)
RoE = -1.07% (Net Income TTM -65.0m / Total Stockholder Equity 6.09b)
RoCE = 1.42% (EBIT 131.0m / Capital Employed (Equity 6.09b + L.T.Debt 3.15b))
RoIC = 1.31% (NOPAT 121.1m / Invested Capital 9.25b)
WACC = 5.26% (E(3.61b)/V(6.76b) * Re(8.88%) + D(3.15b)/V(6.76b) * Rd(1.20%) * (1-Tc(0.08)))
Discount Rate = 8.88% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -78.21 | Cagr: -4.53%
[DCF] Fair Price = unknown (Cash Flow -469.0m)
EPS Correlation: 61.32 | EPS CAGR: 9.18% | SUE: -0.72 | # QB: 0
Revenue Correlation: 85.90 | Revenue CAGR: 34.43% | SUE: -0.56 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.79 | Chg30d=+6.85% | Revisions=N/A | Analysts=5
EPS next Quarter (2026-09-30): EPS=4.92 | Chg30d=+0.14% | Revisions=N/A | Analysts=5
EPS current Year (2026-12-31): EPS=19.93 | Chg30d=+3.43% | Revisions=-33% | GrowthEPS=-28.6% | GrowthRev=+0.8%
EPS next Year (2027-12-31): EPS=19.41 | Chg30d=+0.00% | Revisions=-43% | GrowthEPS=-2.6% | GrowthRev=+0.6%
[Analyst] Revisions Ratio: -43%