(BHF) Brighthouse Financial - Ratings and Ratios
Annuities, Life Insurance
BHF EPS (Earnings per Share)
BHF Revenue
Description: BHF Brighthouse Financial
Brighthouse Financial, Inc. is a leading provider of annuity and life insurance products in the United States, operating through three main segments: Annuities, Life, and Run-off. The companys product portfolio is designed to meet the needs of contract holders and policyholders for protected wealth accumulation, wealth transfer, and income security.
From a strategic perspective, Brighthouse Financials business model is centered around providing financial security and protected wealth transfer to its customers. The Annuities segment offers a range of products, including variable, fixed, index-linked, and income annuities, which are designed to help customers accumulate wealth on a tax-deferred basis. The Life segment provides a range of life insurance products, including term, universal, whole, and variable life insurance, which are designed to provide financial security and protected wealth transfer to policyholders.
In terms of key performance indicators (KPIs), Brighthouse Financials return on equity (RoE) of 12.34% indicates a relatively strong profitability profile. However, the companys price-to-earnings (P/E) ratio of 6.12 and forward P/E ratio of 2.51 suggest that the stock may be undervalued relative to its earnings potential. Additionally, the companys market capitalization of $2.7 billion indicates a relatively small-cap stock with potential for growth.
To further evaluate Brighthouse Financials performance, other relevant KPIs could include the companys asset under management (AUM), net interest margin (NIM), and capital adequacy ratios. AUM would provide insight into the companys scale and ability to generate revenue, while NIM would indicate the companys ability to generate income from its investment portfolio. Capital adequacy ratios, such as the risk-based capital (RBC) ratio, would provide insight into the companys solvency and ability to meet its long-term obligations.
BHF Stock Overview
| Market Cap in USD | 2,554m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2017-07-17 |
BHF Stock Ratings
| Growth Rating | 6.59% |
| Fundamental | 39.5% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -12.3% |
| Analyst Rating | 3.0 of 5 |
BHF Dividends
Currently no dividends paidBHF Growth Ratios
| Growth Correlation 3m | -77.3% |
| Growth Correlation 12m | 11.3% |
| Growth Correlation 5y | 36.6% |
| CAGR 5y | -1.20% |
| CAGR/Max DD 3y | -0.04 |
| CAGR/Mean DD 3y | -0.07 |
| Sharpe Ratio 12m | 0.16 |
| Alpha | 0.03 |
| Beta | 0.642 |
| Volatility | 41.32% |
| Current Volume | 1101.2k |
| Average Volume 20d | 643.4k |
| Stop Loss | 43.2 (-4.6%) |
| Signal | -0.66 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (664.0m TTM) > 0 and > 6% of Revenue (6% = 377.2m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1712 % (prev 667.4%; Δ 1045 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 51.0m <= Net Income 664.0m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 6331 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (57.7m) change vs 12m ago -7.26% (target <= -2.0% for YES) |
| Gross Margin 39.91% (prev 18.58%; Δ 21.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.62% (prev 1.70%; Δ 0.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -2.08 (EBITDA TTM -168.0m / Interest Expense TTM 152.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.86
| (A) 0.44 = (Total Current Assets 107.63b - Total Current Liabilities 17.0m) / Total Assets 242.65b |
| (B) -0.01 = Retained Earnings (Balance) -1.30b / Total Assets 242.65b |
| (C) -0.00 = EBIT TTM -316.0m / Avg Total Assets 239.58b |
| (D) -0.02 = Book Value of Equity -5.56b / Total Liabilities 236.91b |
| Total Rating: 2.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 39.46
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -0.06% = -0.03 |
| 3. FCF Margin 0.81% = 0.20 |
| 4. Debt/Equity 0.56 = 2.35 |
| 5. Debt/Ebitda -18.88 = -2.50 |
| 6. ROIC - WACC (= -8.07)% = -10.09 |
| 7. RoE 12.41% = 1.03 |
| 8. Rev. Trend 24.14% = 1.81 |
| 9. EPS Trend -26.25% = -1.31 |
What is the price of BHF shares?
Over the past week, the price has changed by -7.41%, over one month by -0.72%, over three months by -23.12% and over the past year by +4.74%.
Is Brighthouse Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BHF is around 38.24 USD . This means that BHF is currently overvalued and has a potential downside of -15.51%.
Is BHF a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 5
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the BHF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 56.2 | 24.2% |
| Analysts Target Price | 56.2 | 24.2% |
| ValueRay Target Price | 41.1 | -9.3% |
Last update: 2025-09-05 04:34
BHF Fundamental Data Overview
CCE Cash And Equivalents = 86.38b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 5.1074
P/E Forward = 2.1263
P/S = 0.3169
P/B = 0.4507
Beta = 0.884
Revenue TTM = 6.29b USD
EBIT TTM = -316.0m USD
EBITDA TTM = -168.0m USD
Long Term Debt = 3.15b USD (from longTermDebt, last quarter)
Short Term Debt = 17.0m USD (from totalCurrentLiabilities, last quarter)
Debt = 3.17b USD (Calculated: Short Term 17.0m + Long Term 3.15b)
Net Debt = -2.38b USD (from netDebt column, last quarter)
Enterprise Value = -80.65b USD (2.55b + Debt 3.17b - CCE 86.38b)
Interest Coverage Ratio = -2.08 (Ebit TTM -316.0m / Interest Expense TTM 152.0m)
FCF Yield = -0.06% (FCF TTM 51.0m / Enterprise Value -80.65b)
FCF Margin = 0.81% (FCF TTM 51.0m / Revenue TTM 6.29b)
Net Margin = 10.56% (Net Income TTM 664.0m / Revenue TTM 6.29b)
Gross Margin = 39.91% ((Revenue TTM 6.29b - Cost of Revenue TTM 3.78b) / Revenue TTM)
Tobins Q-Ratio = 14.51 (Enterprise Value -80.65b / Book Value Of Equity -5.56b)
Interest Expense / Debt = 1.20% (Interest Expense 38.0m / Debt 3.17b)
Taxrate = 6.87% (29.0m / 422.0m)
NOPAT = -316.0m (EBIT -316.0m, no tax applied on loss)
Current Ratio = 6331 (Total Current Assets 107.63b / Total Current Liabilities 17.0m)
Debt / Equity = 0.56 (Debt 3.17b / last Quarter total Stockholder Equity 5.67b)
Debt / EBITDA = -18.88 (Net Debt -2.38b / EBITDA -168.0m)
Debt / FCF = 62.20 (Debt 3.17b / FCF TTM 51.0m)
Total Stockholder Equity = 5.35b (last 4 quarters mean)
RoA = 0.27% (Net Income 664.0m, Total Assets 242.65b )
RoE = 12.41% (Net Income TTM 664.0m / Total Stockholder Equity 5.35b)
RoCE = -3.72% (Ebit -316.0m / (Equity 5.35b + L.T.Debt 3.15b))
RoIC = -3.72% (NOPAT -316.0m / Invested Capital 8.50b)
WACC = 4.36% (E(2.55b)/V(5.73b) * Re(8.38%)) + (D(3.17b)/V(5.73b) * Rd(1.20%) * (1-Tc(0.07)))
Shares Correlation 3-Years: -98.47 | Cagr: -1.93%
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 68.96% ; FCFE base≈167.8m ; Y1≈110.2m ; Y5≈50.4m
Fair Price DCF = 16.37 (DCF Value 935.4m / Shares Outstanding 57.2m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -26.25 | EPS CAGR: 40.36% | SUE: -0.30 | # QB: 0
Revenue Correlation: 24.14 | Revenue CAGR: -11.82% | SUE: -1.56 | # QB: 0
Additional Sources for BHF Stock
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