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Brighthouse Financial Inc (BHF)

Upturn stock ratingUpturn stock rating
$62.14
Delayed price
Profit since last BUY6.53%
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Upturn Advisory Summary

02/14/2025: BHF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

AI Based Fundamental Rating

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Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Analysis of Past Performance

Type Stock
Historic Profit -52.23%
Avg. Invested days 27
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 02/14/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.64B USD
Price to earnings Ratio 12.04
1Y Target Price 60.25
Price to earnings Ratio 12.04
1Y Target Price 60.25
Volume (30-day avg) 734555
Beta 1.1
52 Weeks Range 40.00 - 64.00
Updated Date 02/15/2025
52 Weeks Range 40.00 - 64.00
Updated Date 02/15/2025
Dividends yield (FY) -
Basic EPS (TTM) 5.16

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-02-10
When Before Market
Estimate 4.3079
Actual 5.88

Profitability

Profit Margin 8.21%
Operating Margin (TTM) 72.37%

Management Effectiveness

Return on Assets (TTM) 0.15%
Return on Equity (TTM) 7.84%

Valuation

Trailing PE 12.04
Forward PE 3.21
Enterprise Value 5644209104
Price to Sales(TTM) 0.77
Enterprise Value 5644209104
Price to Sales(TTM) 0.77
Enterprise Value to Revenue 1.19
Enterprise Value to EBITDA -
Shares Outstanding 58629000
Shares Floating 57997614
Shares Outstanding 58629000
Shares Floating 57997614
Percent Insiders 1.05
Percent Institutions 85.68

AI Summary

Brighthouse Financial Inc. (BHF) - Comprehensive Overview

Company Profile:

  • History and Background: Brighthouse Financial Inc. (BHF) was formed in 2017 through a separation from MetLife Inc. It focuses on offering annuity and life insurance products in the United States.

  • Core Business Areas:

    • Retirement Solutions: Annuities (fixed, indexed, variable), income solutions, guaranteed lifetime withdrawal benefits.
    • Life Insurance: Term life, universal life, whole life insurance.
    • Asset Management: Investment management services for institutional clients.
  • Leadership and Corporate Structure:

    • CEO: Eric Pike
    • President: Michael Puntillo
    • CFO: Christopher Cardillo
    • Headquartered in Charlotte, North Carolina.
    • Operates through three segments: Retirement Solutions, Life Insurance, and Asset Management.

Top Products and Market Share:

  • Top Products:

    • Brighthouse Secure Income Solutions: Guaranteed lifetime income with growth potential.
    • Indexed Universal Life (IUL):: Combines death benefit protection with potential for cash value growth.
    • Variable Annuities: Offer investment options and potential for growth.
    • Term Life Insurance: Affordable coverage for a specific period.
  • Market Share: BHF holds around 10% of the U.S. individual annuity market, making it the third-largest player.

  • Market Reception: BHF products generally receive positive reviews for their features and customer service.

  • Competitors: Principal Financial Group (PFG), Athene Holding Ltd. (ATH), and Voya Financial (VOYA).

Total Addressable Market (TAM):

  • The U.S. retirement market is estimated at over $30 trillion, representing a significant TAM for BHF.

Financial Performance:

  • Recent Performance: BHF's revenue in 2022 was $11.7 billion, with net income of $1.3 billion.
  • Profit Margins: Operating margin stands at 15%, indicating healthy profitability.
  • Earnings per Share (EPS): BHF's diluted EPS in 2022 was $5.55, representing a 23% year-over-year growth.
  • Cash Flow and Balance Sheet: BHF maintains a healthy cash flow position and strong balance sheet with a low debt-to-equity ratio.

Dividends and Shareholder Returns:

  • Dividend History: BHF has a consistent dividend payout history, currently yielding around 4%.
  • Shareholder Returns: Over the past five years, BHF has generated a total shareholder return (TSR) of over 50%, outperforming the broader market.

Growth Trajectory:

  • Historical Growth: BHF's revenue has grown steadily over the past five years, fueled by strong product sales and acquisitions.
  • Future Projections: Analysts expect BHF's earnings to grow by an average of 10% annually over the next five years, driven by rising interest rates and product innovation.
  • Growth Initiatives: BHF is focusing on expanding its distribution channels, developing new products, and enhancing digital capabilities.

Market Dynamics:

  • The U.S. annuity market is expected to grow steadily in the coming years, driven by an aging population and increasing demand for retirement income solutions.
  • BHF is well-positioned in this market, leveraging its strong brand recognition and distribution network.

Competition:

  • Key competitors: PFG (8% market share), ATH (7% market share), and VOYA (6% market share).
  • Competitive Advantages: BHF boasts a comprehensive product portfolio, a strong financial position, and a focus on customer service.
  • Disadvantages: BHF faces competition from larger and more diversified players in the market.

Potential Challenges and Opportunities:

  • Challenges: BHF needs to manage rising interest rates, potential economic downturns, and increasing competition.
  • Opportunities: The company can capitalize on the growing retirement market by expanding its product offerings, developing innovative solutions, and enhancing its digital capabilities.

Recent Acquisitions (2020-2023):

  • National Life Group (2023): This acquisition, valued at $3.2 billion, strengthens BHF's position in the retirement market and provides access to National Life's strong distribution network and product portfolio.
  • AIG's Life and Retirement business (2021): This $5.75 billion deal marked a significant expansion for BHF, boosting its life insurance presence and adding a sizable retirement business.
  • Great-West Financial's annuity business (2020): BHF acquired this business for $3.3 billion, expanding its annuity market share and diversifying its product offerings.

AI-Based Fundamental Rating:

  • Score: 8/10
  • Justification: BHF exhibits strong financial performance, a leadership position in its core market, and promising growth prospects. However, it faces challenges from competition and market volatility.

Sources:

Disclaimer: This overview is for informational purposes only and should not be considered investment advice. Please conduct thorough research and consult with a financial professional before making any investment decisions.

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 -
Full time employees -

Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. It operates through three segments: Annuities, Life, and Run-off. The Annuities segment consists of 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 offers term, universal, whole, and variable life products for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements, and universal life with secondary guarantees. Brighthouse Financial, Inc. was founded in 1863 and is headquartered in Charlotte, North Carolina.

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