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Brighthouse Financial Inc (BHFAL)
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Upturn Advisory Summary
11/05/2025: BHFAL (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.
Analysis of Past Performance
Type Stock | Historic Profit -13.88% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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 - |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial Inc. was established in 2017 when it was spun off from MetLife. It focuses on life insurance and annuity products.
Core Business Areas
- Annuities: Offers variable, fixed, and indexed annuities designed for retirement income and asset accumulation.
- Life Insurance: Provides term, universal, and variable life insurance products offering financial protection and wealth transfer solutions.
- Run-off: Represents products and businesses that the company no longer actively sells or manages, but still services, including structured settlements and certain life insurance policies.
Leadership and Structure
The company is led by a board of directors and an executive management team. Key figures include the CEO and CFO. The organizational structure is typical of a large financial services corporation, with distinct business units and functional departments.
Top Products and Market Share
Key Offerings
- Shield Level Select Annuities: Indexed variable annuity product. Competitors include Equitable (EQH), Lincoln National (LNC), and Prudential Financial (PRU). Market share information is generally not publicly broken out for specific annuity products but is reflected in overall annuity market share.
- Premier Accumulator Variable Annuity: A variable annuity with a range of investment options. Competitors include Equitable (EQH), Lincoln National (LNC), and Prudential Financial (PRU). Market share information is generally not publicly broken out for specific annuity products but is reflected in overall annuity market share.
- Brighthouse Life Insurance: Variety of life insurance options for all users. Competitors include Northwestern Mutual, New York Life, and Prudential Financial (PRU).
Market Dynamics
Industry Overview
The life insurance and annuity industry is characterized by regulatory complexity, interest rate sensitivity, and increasing competition. Demographic trends, such as aging populations, drive demand for retirement solutions.
Positioning
Brighthouse Financial focuses on retirement income solutions, leveraging its brand recognition and distribution network. It seeks to differentiate through product innovation and customer service. Competes primarily based on product features, pricing, and distribution reach.
Total Addressable Market (TAM)
The global annuity market is estimated to be around $2.5 trillion. Brighthouse Financial captures a portion of this market, primarily in the U.S., and aims to expand its share through product development and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Strong brand recognition from MetLife spin-off
- Extensive distribution network
- Focus on retirement income solutions
- Experienced management team
Weaknesses
- High debt levels
- Exposure to interest rate fluctuations
- Complex and regulated industry
- Dependence on capital markets performance
Opportunities
- Growing demand for retirement income products
- Expansion into new markets
- Strategic acquisitions
- Product innovation
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Adverse interest rate movements
Competitors and Market Share
Key Competitors
- EQH
- LNC
- PRU
- NNN
Competitive Landscape
Brighthouse Financial's competitive advantages include brand recognition and distribution. Disadvantages include debt levels and exposure to market volatility.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by market conditions, product sales, and expense management.
Future Projections: Future growth projections rely on analyst estimates and company guidance, which are subject to change.
Recent Initiatives: Recent initiatives may include product launches, strategic partnerships, and cost-cutting measures.
Summary
Brighthouse Financial faces challenges due to its high debt and market sensitivity. Its core annuity business is a strength. It needs to manage its debt carefully and navigate a competitive market. Opportunities lie in capitalizing on the growing demand for retirement income and expanding product offerings.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data are estimates and may vary.
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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