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Upturn AI SWOT - About
Brighthouse Financial Inc (BHFAL)
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Upturn Advisory Summary
06/27/2025: BHFAL (1-star) is a SELL. SELL since 3 days. Profits (-6.21%). 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
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.9% | Avg. Invested days 46 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.91B USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 18.90 - 24.14 | Updated Date 06/27/2025 |
52 Weeks Range 18.90 - 24.14 | Updated Date 06/27/2025 | ||
Dividends yield (FY) 7.73% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial, Inc. (BHF) was established in 2017 as an independent, publicly traded company after being separated from MetLife. It focuses on life insurance and annuity products.
Core Business Areas
- Annuities: Offers a range of annuity products, including fixed, variable, and indexed annuities, designed to provide retirement income. These products generate fees and premiums based on assets under management and sales.
- Life Insurance: Provides term, whole life, and universal life insurance policies, offering financial protection to beneficiaries upon the insured's death.
- Run-off: Consists of products and businesses that Brighthouse Financial no longer actively sells or supports, but continues to service. This includes certain variable annuity blocks.
Leadership and Structure
The company is led by a CEO and a senior management team. The organizational structure includes functional departments such as finance, risk management, actuarial, sales, and marketing.
Top Products and Market Share
Key Offerings
- Shield Level Annuities: A type of indexed annuity designed to offer a balance between growth potential and downside protection. Market share is not consistently reported, making a specific percentage difficult to provide. Competitors include Athene (APO), Lincoln National (LNC), and Equitable Holdings (EQH).
- Premier Accumulator Variable Annuity: A variable annuity offering a range of investment options and riders for income and death benefit guarantees. Market share data is dispersed across the broader variable annuity market. Competitors include Prudential Financial (PRU) and TIAA.
- Term Life Insurance: Provides affordable coverage for a specified period. Market share is fragmented. Competitors include Protective Life (PRU), Transamerica, and New York Life.
Market Dynamics
Industry Overview
The life insurance and annuity industry is highly competitive and influenced by interest rates, market volatility, regulatory changes, and demographic trends. The industry is consolidating, with companies seeking scale and efficiency.
Positioning
Brighthouse Financial positions itself as a provider of financial security solutions, with a focus on retirement income and protection products. Its competitive advantages include a large in-force block of business and a strong distribution network.
Total Addressable Market (TAM)
The TAM for the US life insurance and annuity market is estimated to be in the trillions of dollars. Brighthouse Financial holds a percentage of this value and can extend its position by offering a more flexible, innovative financial product. The TAM includes life insurance policies, as well as annuity contracts that are used to fund retirements.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Large in-force block of business
- Expertise in managing complex financial products
Weaknesses
- Sensitivity to interest rate fluctuations
- High debt levels
- Exposure to market volatility
- Legacy liabilities from MetLife separation
Opportunities
- Growing demand for retirement income solutions
- Expansion into new markets
- Development of innovative products
- Strategic acquisitions
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Adverse market conditions
Competitors and Market Share
Key Competitors
- LNC
- APO
- EQH
- PRU
Competitive Landscape
Brighthouse Financial faces competition from established players in the life insurance and annuity market. Advantages include its brand recognition and distribution network. Disadvantages include sensitivity to market fluctuations and legacy liabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is dependent on sales of annuity and life insurance products, as well as market performance. Growth trends are influenced by product mix, distribution channels, and overall economic conditions.
Future Projections: Future growth projections are based on analyst estimates and company guidance. Factors influencing future growth include product innovation, market expansion, and expense management.
Recent Initiatives: Recent strategic initiatives are related to new product launches, distribution partnerships, and expense reduction programs.
Summary
Brighthouse Financial is a significant player in the annuity and life insurance sectors. It has a robust distribution network, but is exposed to market volatility and legacy liabilities from its split from MetLife. The company needs to be careful in managing risks, but it can benefit from the growing demand for retirement solutions. Overall, Brighthouse Financial has a solid presence in the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC), Market Research Reports, Analyst Reports, Investor Relations
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share percentages may vary based on reporting source and segment definitions. Financial data is subject to change.
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 - | ||
IPO Launch date 2018-09-14 | CEO - | ||
Sector Other | Industry Other | Full time employees 1260 | Website |
Full time employees 1260 | Website | ||
Brighthouse Financial, Inc. provides a range of annuity and life insurance products in the United States. The company operates through three segments: Annuities, Life, and Run-off. It 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; and term, whole, universal, and variable life insurance products for policyholders' needs for financial security and protected wealth transfer. The company was founded in 2016 and is headquartered in Charlotte, North Carolina.
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