Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Brighthouse Financial Inc (BHFAL)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: 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 09/17/2025 |
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 as an independent, publicly traded company after separating from MetLife. It focuses on providing annuity and life insurance products.
Core Business Areas
- Annuities: Offers a range of annuity products, including variable, fixed, and indexed annuities, designed for retirement planning and income generation.
- Life Insurance: Provides life insurance policies, including term, whole, and universal life, to help customers protect their families and financial futures.
- Run-off Segment: Includes products and businesses that are no longer actively marketed or managed, such as certain legacy variable annuity blocks.
Leadership and Structure
The leadership team is headed by the CEO. The company is structured into business segments with specific responsibilities for product development, distribution, and risk management.
Top Products and Market Share
Key Offerings
- Shield Level Annuities: A suite of indexed variable annuities offering downside protection with varying levels of market participation. Competitors include Athene, Equitable and Lincoln National. Market share for indexed annuities is competitive, with Brighthouse holding a significant, but not dominant, position.
- Fixed Annuities: Provides stable returns with options for immediate and deferred income. Competitors include New York Life, MassMutual, and Northwestern Mutual. Market share is competitive.
- Term Life Insurance: Affordable life insurance for a fixed period of time. Competitors include Prudential, Transamerica, and Protective Life. Market share is competitive.
Market Dynamics
Industry Overview
The life insurance and annuity industry is characterized by intense competition, evolving regulatory landscapes (including interest rate policy impacts on Fixed Annuity and Life Insurance products), and changing consumer preferences.
Positioning
Brighthouse Financial focuses on offering a balance of growth and protection through its product portfolio, targeting individuals seeking retirement income and financial security. They are heavily reliant on strong distribution networks.
Total Addressable Market (TAM)
The TAM for annuities and life insurance in the US is estimated to be in the hundreds of billions of dollars annually. Brighthouse Financial captures a percentage of this TAM, but doesn't dominate
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Distribution Network
- Diverse Product Portfolio
- Experienced Management Team
Weaknesses
- High Exposure to Market Volatility
- Complex Product Structures
- Legacy Liabilities
- Sensitivity to Interest Rate Changes
Opportunities
- Growing Retirement Market
- Increasing Demand for Financial Security
- Product Innovation
- Strategic Partnerships
Threats
- Regulatory Changes
- Increased Competition
- Economic Downturns
- Changing Consumer Preferences
Competitors and Market Share
Key Competitors
- PRU
- LNC
- MET
- ALL
Competitive Landscape
Brighthouse Financial competes primarily on product features, pricing, and distribution strength. Competition focuses on balancing profitability and growth while navigating regulatory constraints.
Growth Trajectory and Initiatives
Historical Growth: Brighthouse Financial's growth has been tied to market conditions and the performance of its investment portfolio.
Future Projections: Analyst projections vary but generally expect moderate growth in line with the broader market and the demand for retirement income products.
Recent Initiatives: Recent strategic initiatives often include new product launches, technology investments, and distribution channel expansions.
Summary
Brighthouse Financial is a key player in the annuity and life insurance market, benefiting from a recognized brand and robust distribution network. However, it is susceptible to market volatility and regulatory changes. Its success hinges on effectively managing risks and innovating its product offerings to meet evolving consumer needs. Strong capital management and distribution expansion are vital.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are 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.
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.