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Upturn AI SWOT - About
Brighthouse Financial Inc (BHFAL)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -13.9% | 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 08/14/2025 |
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. (BHF) was established in 2017 after separating from MetLife. It focuses on annuity and life insurance products.
Core Business Areas
- Annuities: Provides a range of variable, fixed, and indexed annuities designed for retirement income and wealth accumulation.
- Life Insurance: Offers term, whole, and universal life insurance policies to protect families and individuals from financial loss.
- Run-off Segment: Includes products and businesses that Brighthouse no longer actively sells, such as certain variable annuities with guaranteed minimum benefits (GMBs).
Leadership and Structure
The CEO is Eric Steigerwalt. The company has a board of directors and operates with a typical corporate structure, segmented by business line and function (e.g., finance, risk management, sales).
Top Products and Market Share
Key Offerings
- Shield Level Annuities: Indexed annuity products that provide downside protection with upside potential. Market share data is difficult to ascertain precisely for this specific product line, but indexed annuity sales contributed significantly to Brighthouse's overall annuity revenue. Competitors include Athene (APO), Allianz Life, and Pacific Life.
- Premier Accumulator Variable Annuity: A variable annuity product designed for wealth accumulation with various investment options. Competitors include Equitable (EQH), Lincoln National (LNC), and Prudential Financial (PRU). It is difficult to determine the exact market share or revenue.
- Term Life Insurance: Brighthouse offers a variety of term life insurance options. The competitors are many, and this line is usually a low margin product. Competitors include Protective, Prudential, AIG, New York Life.
Market Dynamics
Industry Overview
The life insurance and annuity industry is influenced by factors such as interest rates, market volatility, regulatory changes, and demographic trends. Increased demand for retirement income solutions drives growth, while low interest rates and regulatory pressures create challenges.
Positioning
Brighthouse Financial focuses on retirement income solutions and risk management. They aim to provide innovative products while managing risks associated with guaranteed benefits. They are positioning themselves as a leader in structured annuity products.
Total Addressable Market (TAM)
The total addressable market for annuities and life insurance in the US is estimated to be in the hundreds of billions of dollars annually. Brighthouse Financial is positioned to capture a share of this TAM through its product offerings, with a focus on innovative and risk-managed solutions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition from MetLife heritage
- Experienced management team
- Focus on risk management
- Established distribution network
- Innovative product development
Weaknesses
- Legacy liabilities (e.g., GMBs)
- Sensitivity to market volatility
- Reliance on third-party distributors
- High operating expenses relative to some peers
Opportunities
- Growing demand for retirement income solutions
- Expansion into new markets and distribution channels
- Development of new products to meet changing customer needs
- Potential for strategic acquisitions
- Technological innovation to improve efficiency and customer experience
Threats
- Low interest rates impacting profitability
- Increased regulatory scrutiny
- Competition from other insurance and financial services companies
- Market downturns affecting asset values and sales
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- PRU
- EQH
- LNC
- APO
Competitive Landscape
Brighthouse faces intense competition from established players with diverse product portfolios and strong distribution networks. Its competitive advantage lies in its focus on risk management and innovation in structured annuity products. However, legacy liabilities and market volatility pose challenges.
Major Acquisitions
Digital.ai
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: The acquisition did not go through as Thoma Bravo acquired the company.
Growth Trajectory and Initiatives
Historical Growth: Discuss Brighthouse Financial Inc's growth trends over the past years.
Future Projections: Provide projections for Brighthouse Financial Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Brighthouse Financial Inc.
Summary
Brighthouse Financial is a significant player in the annuity and life insurance market, spun off from MetLife. Their strengths lie in product innovation, especially in structured annuities, but they face challenges from legacy liabilities and market sensitivity. Growth opportunities exist in the expanding retirement income market, but they need to navigate regulatory changes and intense competition. Overall, the company is strategically positioned with a focus on risk management and customer solutions but must address its weaknesses to fully capitalize on market opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results.
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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