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Upturn AI SWOT - About
BHF 
Brighthouse Financial Inc (BHF)
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Upturn Advisory Summary
08/14/2025: 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 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.67B USD | Price to earnings Ratio 5.33 | 1Y Target Price 56.22 |
Price to earnings Ratio 5.33 | 1Y Target Price 56.22 | ||
Volume (30-day avg) 9 | Beta 0.88 | 52 Weeks Range 40.00 - 64.12 | Updated Date 08/15/2025 |
52 Weeks Range 40.00 - 64.12 | Updated Date 08/15/2025 | ||
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 2025-08-07 | When After Market | Estimate 4.39 | Actual 3.43 |
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 5.33 | Forward PE 2.44 | Enterprise Value 4276872678 | Price to Sales(TTM) 0.33 |
Enterprise Value 4276872678 | Price to Sales(TTM) 0.33 | ||
Enterprise Value to Revenue 0.7 | Enterprise Value to EBITDA - | Shares Outstanding 57152400 | Shares Floating 56441396 |
Shares Outstanding 57152400 | Shares Floating 56441396 | ||
Percent Insiders 1.14 | Percent Institutions 84.3 |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial, Inc. was established in 2017 as an independent company, spun off 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 for retirement income and investment growth.
- Life Insurance: Provides term, universal, and whole life insurance policies to protect families and individuals.
- Run-off Segment: Manages legacy products that are no longer actively sold, focusing on efficient administration and risk management.
Leadership and Structure
The company is led by a board of directors and a management team headed by the CEO. It operates with a functional structure, with divisions responsible for product development, sales, operations, and finance.
Top Products and Market Share
Key Offerings
- Shield Level Annuities: These innovative annuities provide a balance between growth potential and downside protection, attracting investors seeking risk-managed returns. Competitors include Athene, Lincoln National, and Equitable. Estimated market share not reliably published.
- Premier Accumulator Variable Annuity: Designed for long-term accumulation and retirement income, this variable annuity offers a wide range of investment options. Competitors include Prudential, Jackson National, and Pacific Life. Estimated market share not reliably published.
- Term Life Insurance: Provides simple and affordable life insurance coverage for a set period. Competitors include Protective Life, Transamerica, and Banner Life. Market share data not publicly available.
Market Dynamics
Industry Overview
The life insurance and annuity industry is characterized by evolving demographics, increasing regulatory scrutiny, and changing consumer preferences. Low interest rates and market volatility also influence product design and profitability.
Positioning
Brighthouse Financial focuses on providing solutions for retirement security and financial protection. It leverages its brand recognition and distribution network to compete in the market. Brighthouse focuses on a subset of the overall life insurance market.
Total Addressable Market (TAM)
The TAM for life insurance and annuities is estimated to be in the trillions of dollars globally. Brighthouse Financial is positioned to capture a portion of this TAM by focusing on specific product lines and distribution channels.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Innovative product offerings
- Focus on retirement solutions
Weaknesses
- Reliance on variable annuity sales
- Exposure to market volatility
- Legacy liabilities
- Sensitivity to interest rate changes
Opportunities
- Growing demand for retirement income solutions
- Expanding distribution channels
- Developing new product offerings
- Strategic acquisitions
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- LNC
- PRU
- GFA
- EQH
Competitive Landscape
Brighthouse Financial competes on product innovation and distribution strength, but faces challenges from larger, more diversified competitors with greater financial resources.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth need to be updated when they become available. Therefore this section is left general.
Future Projections: Future Projections need to be updated when they become available. Therefore this section is left general.
Recent Initiatives: Recent Initiatives need to be updated when they become available. Therefore this section is left general.
Summary
Brighthouse Financial is a key player in the annuity and life insurance market, focusing on retirement solutions. While its strong brand and distribution network are advantages, it faces risks from market volatility and regulatory changes. The company needs to continue innovating its product offerings and managing its legacy liabilities to maintain its competitive edge. Future growth will depend on its ability to adapt to changing market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is approximate and may vary depending on the source. Consider consulting a financial professional before making any investment decisions.
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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