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Upturn AI SWOT - About
BHF 
Brighthouse Financial Inc (BHF)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/29/2025: 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 $56.33
1 Year Target Price $56.33
| 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 10/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.64B USD | Price to earnings Ratio 5.28 | 1Y Target Price 56.33 |
Price to earnings Ratio 5.28 | 1Y Target Price 56.33 | ||
Volume (30-day avg) 9 | Beta 0.86 | 52 Weeks Range 42.07 - 64.12 | Updated Date 10/29/2025 |
52 Weeks Range 42.07 - 64.12 | Updated Date 10/29/2025 | ||
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 2025-11-06 | When After Market | Estimate 5.06 | 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 5.28 | Forward PE 2.51 | Enterprise Value 4574636531 | Price to Sales(TTM) 0.33 |
Enterprise Value 4574636531 | Price to Sales(TTM) 0.33 | ||
Enterprise Value to Revenue 0.74 | Enterprise Value to EBITDA - | Shares Outstanding 57152371 | Shares Floating 56441967 |
Shares Outstanding 57152371 | Shares Floating 56441967 | ||
Percent Insiders 1.15 | Percent Institutions 86.77 |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial Inc. was established in 2017, spun off from MetLife to focus on annuity and life insurance products.
Core Business Areas
- Annuities: Offers a range of variable, fixed, and indexed annuities to help individuals save for retirement and generate income.
- Life Insurance: Provides term, whole, and universal life insurance policies to protect families and individuals against financial loss due to death.
Leadership and Structure
The company is led by a CEO and a board of directors. Organizational structure includes distinct business segments for annuities and life insurance, supported by finance, risk management, and technology functions.
Top Products and Market Share
Key Offerings
- Shield Level Annuities: Structured variable annuities that offer downside protection with upside potential. Market share data is difficult to pinpoint precisely, but Brighthouse is a major player in the structured annuity market. Competitors include Equitable (EQH), Lincoln Financial (LNC), and Allianz Life.
- Premier Accumulator Variable Annuity: A variable annuity product focused on wealth accumulation. Market share data is difficult to pinpoint precisely, but Brighthouse is a major player in the variable annuity market. Competitors include Equitable (EQH), Lincoln Financial (LNC).
Market Dynamics
Industry Overview
The life insurance and annuity industry is influenced by factors like interest rates, regulatory changes, and demographic trends. Aging populations and increasing retirement needs drive demand for annuity products. Interest rate changes significantly impact profitability.
Positioning
Brighthouse Financial Inc. is a leading provider of annuities and life insurance, known for its focus on innovation and risk management. The company leverages its strong distribution network and established brand reputation to compete effectively in the market.
Total Addressable Market (TAM)
The TAM for the US annuity and life insurance market is estimated to be several hundred billion dollars. Brighthouse Financial Inc. is well-positioned to capture a significant share of this market through its diversified product offerings and strong distribution network.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Focus on innovation
- Experienced management team
- Sophisticated risk management
Weaknesses
- Exposure to interest rate risk
- Reliance on market performance
- Complex product offerings
- Spun off from Metlife and needs to establish itself independently
- Litigation risks associated with legacy business
Opportunities
- Growing demand for retirement income solutions
- Expansion into new markets
- Development of new products and services
- Strategic acquisitions
- Technological advancements
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Interest rate volatility
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- Equitable (EQH)
- Lincoln National Corporation (LNC)
- Prudential Financial (PRU)
Competitive Landscape
Brighthouse Financial Inc. competes with other large insurance companies based on product offerings, distribution capabilities, and brand reputation. Advantages may include innovative products and a strong focus on risk management. Disadvantages may include higher exposure to interest rate risk.
Growth Trajectory and Initiatives
Historical Growth: Analyze historical revenue and earnings growth rates. Organic growth versus growth from acquisitions needs to be assessed.
Future Projections: Analyst estimates should be reviewed. Key drivers of future growth, such as product innovation and market expansion, must be noted.
Recent Initiatives: Recent initiatives should be reviewed. New product launches, acquisitions, or strategic partnerships should be noted.
Summary
Brighthouse Financial has carved out a space in the annuity and life insurance market since its spin-off. While exposed to market volatility and interest rate fluctuations, its innovative products and distribution network provide a solid foundation. Continued product development and effective risk management are key to long-term success. Regulatory changes and increasing competition pose ongoing challenges that need to be carefully monitored.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor. Market share estimates are based on available data and may not be precise.
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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