
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
AI Summary
- About


Brighthouse Financial Inc (BHF)



- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)


(see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
02/14/2025: BHF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
![]() ![]() | ![]() ![]() |
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:
- https://investor.brighthousefinancial.com/
- https://www.sec.gov/Archives/edgar/data/1773211/000119312523131143/d231732d10k.htm
- https://www.forbes.com/advisor/investing/brighthouse-financial-stock/
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.