BHF Stock Analysis: Brighthouse Financial | NASDAQ
Insurance - Life | NASDAQ, USA | Market Cap: 2.806m USD | 12M Return: 10.4% | US10922N1037 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.5M
EPS Trend: -7.3%
Qual. Beats: 0
Rev. Trend: 84.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 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: 831.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.38 > 1.0 |
| NWC/Revenue: -113.1% < 20% (prev 435.5%; Δ -548.5% < -1%) |
| CFO/TA -0.00 > 3% & CFO -899.0m > Net Income 831.0m |
| Net Debt (-3.95b) to EBITDA (975.0m): -4.05 < 3 |
| Current Ratio: 0.93 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.7m) vs 12m ago 0.00% < -2% |
| Gross Margin: 56.06% > 18% (prev 35.93%; Δ 20.13% > 0.5%) |
| Asset Turnover: 2.57% > 50% (prev 2.55%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 6.41 > 6 (EBIT TTM 975.0m / Interest Expense TTM 152.0m) |
| A: -0.03 (Total Current Assets 87.9b - Total Current Liabilities 95.0b) / Total Assets 247b |
| B: -0.00 (Retained Earnings -471.0m / Total Assets 247b) |
| C: 0.00 (EBIT TTM 975.0m / Avg Total Assets 244b) |
| D: 0.03 (Book Value of Equity 6.55b / Total Liabilities 241b) |
| Altman-Z'' = -0.14 = B |
As of September 19, 2026, the stock is trading at USD 49.95 with a total of 1,293,406 shares traded. Over the past week, the price has changed by -0.32%, over one month by -6.88%, over three months by -21.03% and over the past year by +10.36%.
Current recommended Stop Loss: 48.20 (which is 3.5% 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 | 30.1% |
P/E Trailing = 3.8692
P/E Forward = 3.3501
P/S = 0.4104
P/B = 0.4299
Revenue TTM = 6.28b USD
EBIT TTM = 975.0m USD
EBITDA TTM = 975.0m 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 = -3.95b USD (calculated: Debt 3.15b - CCE 7.11b)
Enterprise Value = 2.81b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 6.41 (Ebit TTM 975.0m / Interest Expense TTM 152.0m)
EV/FCF = -3.12x (Enterprise Value 2.81b / FCF TTM -899.0m)
FCF Yield = -32.04% (FCF TTM -899.0m / Enterprise Value 2.81b)
FCF Margin = -14.31% (FCF TTM -899.0m / Revenue TTM 6.28b)
Net Margin = 13.22% (Net Income TTM 831.0m / Revenue TTM 6.28b)
Gross Margin = 56.06% ((Revenue TTM 6.28b - Cost of Revenue TTM 2.76b) / Revenue TTM)
Gross Margin QoQ = 63.56% (prev 54.43%)
Tobins Q-Ratio = 0.01 (Enterprise Value 2.81b / Total Assets 247b)
Interest Expense / Debt = 4.82% (Interest Expense 152.0m / Debt 3.15b)
Taxrate = 14.26% (139.0m / 975.0m)
NOPAT = 836.0m (EBIT 975.0m * (1 - 14.26%))
Current Ratio = 0.93 (Total Current Assets 87.9b / Total Current Liabilities 95.0b)
Debt / Equity = 0.48 (Debt 3.15b / totalStockholderEquity, last quarter 6.55b)
Debt / EBITDA = -4.05 (Net Debt -3.95b / EBITDA 975.0m)
Debt / FCF = 4.39 (negative FCF - burning cash) (Net Debt -3.95b / FCF TTM -899.0m)
Total Stockholder Equity = 6.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 831.0m / Total Assets 247b)
RoE = 13.17% (Net Income TTM 831.0m / Total Stockholder Equity 6.31b)
RoCE = 10.30% (EBIT 975.0m / Capital Employed (Equity 6.31b + L.T.Debt 3.15b))
RoIC = 0.34% (NOPAT 836.0m / Invested Capital 247b)
WACC = 6.19% (E(2.81b)/V(5.96b) * Re(8.51%) + D(3.15b)/V(5.96b) * Rd(4.82%) * (1-Tc(0.14)))
Discount Rate = 8.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -90.07 | Cagr: -3.29%
[DCF] Fair Price = unknown (Cash Flow -899.0m)
EPS Correlation: -7.28 | EPS CAGR: -2.96% | SUE: -0.15 | # QB: 0
Revenue Correlation: 84.12 | Revenue CAGR: 32.53% | SUE: -0.40 | # QB: 0
EPS current Quarter (2026-09-30): EPS=4.91 | Chg30d=-6.00% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=19.02 | Chg30d=+3.35% | Revisions=+0% | GrowthEPS=-31.9% | GrowthRev=+0.7%
EPS next Year (2027-12-31): EPS=20.14 | Chg30d=+1.85% | Revisions=+25% | GrowthEPS=+5.9% | GrowthRev=+1.2%
[Analyst] Revisions Ratio: +0% (up=2, down=2)