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BHF 
Brighthouse Financial Inc (BHF)
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Upturn Advisory Summary
01/05/2026: BHF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $65.5
1 Year Target Price $65.5
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -39.09% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/05/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.69B USD | Price to earnings Ratio 4.53 | 1Y Target Price 65.5 |
Price to earnings Ratio 4.53 | 1Y Target Price 65.5 | ||
Volume (30-day avg) 9 | Beta 0.98 | 52 Weeks Range 42.07 - 66.33 | Updated Date 01/5/2026 |
52 Weeks Range 42.07 - 66.33 | Updated Date 01/5/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 14.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.35% | Operating Margin (TTM) 34.02% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 16.18% |
Valuation
Trailing PE 4.53 | Forward PE 3.17 | Enterprise Value 4587545481 | Price to Sales(TTM) 0.47 |
Enterprise Value 4587545481 | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 0.78 | Enterprise Value to EBITDA - | Shares Outstanding 57171217 | Shares Floating 56421702 |
Shares Outstanding 57171217 | Shares Floating 56421702 | ||
Percent Insiders 1.15 | Percent Institutions 90.55 |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial Inc. (BHF) was formed as a spin-off from MetLife, Inc. in 2017. It is a leading provider of retirement and protection solutions in the United States. The company focuses on life insurance and annuity products, aiming to help individuals secure their financial future. Key milestones include its establishment as an independent, publicly traded entity and its subsequent efforts to streamline operations and enhance product offerings.
Core Business Areas
- Retirement Solutions: This segment offers a range of annuity products designed to help customers save for retirement and manage their income needs. Products include fixed annuities, variable annuities, and fixed indexed annuities.
- Life Insurance Solutions: This segment provides various life insurance products aimed at offering financial protection to beneficiaries. Products include term life insurance, universal life insurance, and variable universal life insurance.
Leadership and Structure
Brighthouse Financial Inc. is led by a management team with extensive experience in the financial services industry. The company is structured around its core business segments, with dedicated teams for product development, sales, marketing, and operations. Specific leadership details are available through their investor relations portal and SEC filings.
Top Products and Market Share
Key Offerings
- Fixed Indexed Annuities: These annuities offer the potential for growth based on a market index, with principal protection. Market share data for specific product types can be dynamic and is often aggregated in industry reports. Key competitors include American International Group (AIG), Equitable Holdings (EQH), and Prudential Financial (PRU).
- Universal Life Insurance: These policies offer a death benefit and a cash value component that can grow over time. Competitors in this space include major life insurance carriers like Northwestern Mutual, John Hancock, and MassMutual.
- Term Life Insurance: Provides coverage for a specified period, offering a death benefit at a generally lower cost. Competitors include State Farm, Northwestern Mutual, and various other large insurance providers.
Market Dynamics
Industry Overview
The US retirement and protection solutions industry is characterized by a growing demand for retirement income products due to an aging population and the shift away from traditional defined-benefit pensions. The life insurance market remains competitive, with ongoing pressure on pricing and a focus on digital transformation. Regulatory changes and interest rate environments significantly impact profitability.
Positioning
Brighthouse Financial Inc. is positioned as a significant player in the US annuity and life insurance markets, particularly in the retirement solutions segment. Its competitive advantages include its established brand, diversified product portfolio, and a focus on operational efficiency. The company competes with a wide range of financial institutions.
Total Addressable Market (TAM)
The TAM for retirement solutions and life insurance in the US is substantial, estimated in the trillions of dollars. Brighthouse Financial Inc. holds a notable share of this market, particularly within its specialized product areas. Its strategic focus is on capturing a larger portion of the retirement savings market as individuals seek to secure their post-career financial well-being.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and established distribution channels.
- Diversified product portfolio in retirement and life insurance.
- Focus on operational efficiency and cost management.
- Experienced management team with deep industry knowledge.
Weaknesses
- Sensitivity to interest rate fluctuations affecting annuity profitability.
- Dependence on external market performance for variable product returns.
- Challenges in adapting to rapid technological advancements in FinTech.
- Potential for reputational risk associated with product complexity.
Opportunities
- Growing demand for retirement income solutions due to demographic shifts.
- Expansion into new distribution channels and partnerships.
- Leveraging technology for improved customer experience and operational efficiency.
- Product innovation to meet evolving customer needs.
Threats
- Intensifying competition from established players and new entrants.
- Adverse changes in interest rates and economic conditions.
- Increased regulatory scrutiny and compliance costs.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- American International Group, Inc. (AIG)
- Equitable Holdings, Inc. (EQH)
- Prudential Financial, Inc. (PRU)
- Lincoln National Corporation (LNC)
- Voya Financial, Inc. (VOYA)
Competitive Landscape
Brighthouse Financial Inc. faces intense competition from well-established financial institutions. Its advantages lie in its specialized focus on retirement and protection solutions. However, it must continuously innovate and adapt to market changes to maintain and grow its market share against larger, more diversified competitors and nimble FinTech disruptors.
Growth Trajectory and Initiatives
Historical Growth: Brighthouse Financial Inc.'s growth trajectory has been influenced by its spin-off from MetLife and its strategic efforts to build its independent business. Growth in recent years has focused on expanding its annuity and life insurance businesses, along with improving operational efficiencies.
Future Projections: Future growth projections are typically provided by financial analysts covering the company. These projections consider market trends, product development, and strategic initiatives. Specific analyst consensus estimates are available through financial news and data services.
Recent Initiatives: Recent initiatives may include product enhancements, strategic partnerships, investments in technology to improve customer experience, and efforts to optimize its capital structure.
Summary
Brighthouse Financial Inc. is a prominent player in the US retirement and life insurance sectors, benefiting from strong brand recognition and a diversified product line. Its strategic focus on operational efficiency and catering to the growing retirement needs of an aging population are key strengths. However, the company must navigate intense competition, interest rate volatility, and the imperative for technological advancement to sustain its growth and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Brighthouse Financial Inc. Investor Relations
- SEC Filings (Form 10-K, 10-Q)
- Industry Analyst Reports
- Financial Data Providers (e.g., Bloomberg, Refinitiv)
Disclaimers:
This information is for informational purposes only and should not be considered financial advice. Market share data is an approximation and can vary depending on the specific segment and reporting period. Financial data and projections are subject to change. Investors should conduct their own due diligence.
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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