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Upturn AI SWOT - About
BHF 
Brighthouse Financial Inc (BHF)
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Upturn Advisory Summary
06/27/2025: BHF (1-star) is a SELL. SELL since 4 days. Profits (-8.32%). Updated daily EoD!
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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $60.38
Year Target Price $60.38
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 2 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -38.07% | Avg. Invested days 25 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.13B USD | Price to earnings Ratio 6.96 | 1Y Target Price 60.38 |
Price to earnings Ratio 6.96 | 1Y Target Price 60.38 | ||
Volume (30-day avg) - | Beta 0.93 | 52 Weeks Range 40.00 - 64.12 | Updated Date 06/29/2025 |
52 Weeks Range 40.00 - 64.12 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.82 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.12% | Operating Margin (TTM) -14.03% |
Management Effectiveness
Return on Assets (TTM) 0.63% | Return on Equity (TTM) 12.92% |
Valuation
Trailing PE 6.96 | Forward PE 2.85 | Enterprise Value 5516771107 | Price to Sales(TTM) 0.36 |
Enterprise Value 5516771107 | Price to Sales(TTM) 0.36 | ||
Enterprise Value to Revenue 0.82 | Enterprise Value to EBITDA - | Shares Outstanding 57409000 | Shares Floating 56709745 |
Shares Outstanding 57409000 | Shares Floating 56709745 | ||
Percent Insiders 1.12 | Percent Institutions 83.9 |
Analyst Ratings
Rating 3 | Target Price 60.38 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 5 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial Inc. was established in 2017 when it was separated from MetLife. It focuses on providing annuity and life insurance solutions.
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, universal, and variable life insurance products to help protect families and secure their financial futures.
- Run-off Segment: Consists of products that are no longer actively sold, including structured settlements and certain life insurance policies.
Leadership and Structure
The leadership team is headed by the CEO. The organizational structure is divided into functional areas responsible for product development, distribution, finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Shield Level Annuities: These variable annuities offer downside protection with upside potential. Market share is considerable within the buffered annuity segment, although specific figures fluctuate. Competitors include Equitable (EQH) and Lincoln National (LNC).
- Fixed Indexed Annuities (FIAs): FIAs provide principal protection with interest linked to market performance. Brighthouse is a major player in the FIA market. Competitors include Athene (ATH) and Allianz Life.
- Term Life Insurance: Provides straightforward death benefit coverage for a set period. Competitors are numerous, including Protective Life and Transamerica.
Market Dynamics
Industry Overview
The annuity and life insurance industry is highly competitive and sensitive to macroeconomic factors, interest rates, and regulatory changes. Demographic trends, such as an aging population, create both opportunities and challenges.
Positioning
Brighthouse Financial is a major player in the US annuity and life insurance market, leveraging its strong distribution network and established brand. Its competitive advantage lies in product innovation, risk management, and financial strength.
Total Addressable Market (TAM)
The US life insurance and annuity market is estimated to be worth hundreds of billions of dollars annually. Brighthouse Financial Inc. is positioned to capture a significant portion of this TAM through its diverse product offerings and distribution channels.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Distribution Network
- Diverse Product Portfolio
- Effective Risk Management
- Solid Capital Position
Weaknesses
- Sensitivity to Interest Rate Fluctuations
- Legacy Liabilities from MetLife
- High Operating Expenses
- Complex Product Offerings
- Reliance on Third-Party Distributors
Opportunities
- Growing Retirement Market
- Increasing Demand for Financial Security
- Expansion into New Markets
- Development of Innovative Products
- Strategic Acquisitions
Threats
- Intense Competition
- Regulatory Changes
- Economic Downturns
- Cybersecurity Risks
- Changing Consumer Preferences
Competitors and Market Share
Key Competitors
- EQH
- LNC
- ATH
- AIG
Competitive Landscape
Brighthouse Financial Inc competes with other major players in the annuity and life insurance markets. Its strengths include its strong brand and distribution network, while its weaknesses include its sensitivity to interest rate fluctuations.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed by examining revenue and earnings trends over the past few years.
Future Projections: Future projections are based on analyst estimates, which can be found on financial websites.
Recent Initiatives: Recent strategic initiatives may include new product launches, acquisitions, or cost-cutting measures.
Summary
Brighthouse Financial is a significant player in the annuity and life insurance markets, with a strong brand and distribution network. However, it faces challenges related to interest rate sensitivity and legacy liabilities. The company can capitalize on the growing retirement market by developing innovative products and expanding into new markets, while mitigating risks associated with competition, regulation, and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, industry publications.
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source.
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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