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Upturn AI SWOT - About
BHF 
Brighthouse Financial Inc (BHF)
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Upturn Advisory Summary
09/17/2025: BHF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $56.22
1 Year Target Price $56.22
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -38.07% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.68B USD | Price to earnings Ratio 5.35 | 1Y Target Price 56.22 |
Price to earnings Ratio 5.35 | 1Y Target Price 56.22 | ||
Volume (30-day avg) 9 | Beta 0.88 | 52 Weeks Range 42.07 - 64.12 | Updated Date 09/17/2025 |
52 Weeks Range 42.07 - 64.12 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.24% | Operating Margin (TTM) 14.15% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 13.46% |
Valuation
Trailing PE 5.35 | Forward PE 2.27 | Enterprise Value 4284874010 | Price to Sales(TTM) 0.33 |
Enterprise Value 4284874010 | Price to Sales(TTM) 0.33 | ||
Enterprise Value to Revenue 0.7 | Enterprise Value to EBITDA - | Shares Outstanding 57152400 | Shares Floating 56441967 |
Shares Outstanding 57152400 | Shares Floating 56441967 | ||
Percent Insiders 1.15 | Percent Institutions 86.85 |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial, Inc. was established in 2017 as an independent, publicly traded company after separating from MetLife. It focuses on providing annuity and life insurance products.
Core Business Areas
- Annuities: Offers a range of variable, fixed, and indexed annuities designed to provide income during retirement. This includes products like Shield Level Select and Brighthouse SmartControl Annuities.
- Life Insurance: Provides life insurance products, including term, whole, and universal life insurance policies, designed to protect families and individuals.
Leadership and Structure
The company is led by a CEO (currently Eric Steigerwalt) and a senior management team. Its organizational structure is departmentalized, with divisions focusing on product development, sales, investments, and operations.
Top Products and Market Share
Key Offerings
- Shield Level Select Annuities: Indexed variable annuities that offer downside protection with the potential for market upside. Market share is substantial within the structured variable annuity space. Competitors include Equitable (EQH), Lincoln National (LNC), and Prudential (PRU).
- Brighthouse SmartControl Annuities: A fee-based variable annuity offering investment options and downside protection. Competitors include Jackson National Life, Nationwide, and Pacific Life.
Market Dynamics
Industry Overview
The life insurance and annuity industry is characterized by increasing regulatory scrutiny, low interest rates, and evolving consumer preferences towards retirement planning solutions. Demand is driven by an aging population and a need for financial security.
Positioning
Brighthouse Financial is positioned as a provider of innovative retirement solutions, with a focus on risk management and downside protection. Its competitive advantages include its established distribution network and expertise in managing complex financial products.
Total Addressable Market (TAM)
The total addressable market for annuities and life insurance is estimated to be worth hundreds of billions of dollars annually in the US. Brighthouse Financial is positioned to capture a percentage of this TAM with its diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Distribution Network
- Innovative Product Offerings
- Experienced Management Team
- Effective Risk Management Practices
Weaknesses
- High Reliance on Annuity Sales
- Exposure to Market Volatility
- Complex Product Structures
- Potential for Regulatory Challenges
- Interest Rate Sensitivity
Opportunities
- Expanding into New Markets
- Developing New Product Lines
- Leveraging Technology for Efficiency
- Capitalizing on Demographic Trends
- Increasing Financial Literacy
Threats
- Economic Downturn
- Increased Competition
- Changes in Regulatory Environment
- Rising Interest Rates
- Shifting Consumer Preferences
Competitors and Market Share
Key Competitors
- EQH
- LNC
- PRU
- VOYA
- NNN
Competitive Landscape
Brighthouse Financial competes on product innovation, distribution reach, and risk management expertise. It faces challenges from established players with larger capital bases.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable.
Future Projections: Future growth projections are unavailable.
Recent Initiatives: Recent strategic initiatives include enhancing digital capabilities and expanding distribution channels.
Summary
Brighthouse Financial is a significant player in the annuity and life insurance market with a focus on innovative retirement solutions. While it has a strong distribution network and risk management capabilities, it faces challenges related to market volatility and regulatory pressures. The company's success depends on its ability to adapt to changing consumer preferences and manage its exposure to economic downturns. Brighthouse needs to look out for emerging competitiors who are leveraging the use of technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Brighthouse Financial Inc
Exchange NASDAQ | Headquaters Charlotte, NC, United States | ||
IPO Launch date 2017-07-17 | President, CEO & Director Mr. Eric Thomas Steigerwalt | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 1400 | |
Full time employees 1400 | |||
Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. The company operates through Annuities, Life, and Run-off segments. The Annuities segment offers variable, fixed, index-linked, and income annuities for contract holders' needs for protected wealth accumulation on a tax-deferred basis, wealth transfer, and income security. The Life segment provides term, universal, whole, and variable life products for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages universal life with secondary guarantees, structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, and funding agreements. Brighthouse Financial, Inc. was founded in 1863 and is headquartered in Charlotte, North Carolina.
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