Brighthouse Financial (BHF) AI Stock Analysis

• Market Cap: $3.06B
• Dividend Yield: N/A
• Average Volume (3M): 1.23M
• Price to Earnings (P/E): 5.8
• Beta (1Y): 1.06
• Revenue Growth: 59.27%
• EPS Growth: N/A
• Country: US
• Employees: 1,400
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 3.43
• Shares Outstanding: 57,152,370
• 10 Day Avg. Volume: 1,111,944
• 30 Day Avg. Volume: 1,228,156
• PEG Ratio: -0.07
• Price to Book (P/B): 0.69
• Price to Sales (P/S): 0.78
• P/FCF Ratio: -11.80
• Enterprise Value/Market Cap: 2.07
• Enterprise Value/Revenue: 1.03
• Enterprise Value/Gross Profit: 2.67
• Enterprise Value/Ebitda: 6.93
• 1Y Price Target: $57.25
• Price Target Upside: 5.45% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 9
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: $61.00 ▲(12.36% Upside)

Brighthouse Financial's stock score is driven by a mixed financial performance, with strengths in profitability and valuation offset by declining revenue and cash flow challenges. Technical indicators suggest a positive trend, but potential overbought conditions could limit upside. The earnings call provided a balanced view with strong sales but highlighted concerns in earnings and underwriting margins.

Positive Factors

Strong Annuity and Life Insurance Sales

The increase in annuity and life insurance sales indicates strong product demand and effective distribution strategies, supporting long-term revenue growth.

Capital and Liquidity Position

A robust capital and liquidity position provides financial stability and flexibility, enabling the company to withstand economic fluctuations and invest in growth opportunities.

Shareholder Returns

Consistent share repurchases reflect management's confidence in the company's financial health and enhance shareholder value over the long term.

Negative Factors

Declining Revenue

The decline in revenue suggests challenges in maintaining market share or product competitiveness, potentially impacting future profitability and growth.

Challenges in Underwriting Margin

Reduced underwriting margins due to higher claim severity can pressure profitability, requiring strategic adjustments to pricing or risk management.

Weak Cash Flow Position

Weak cash flow generation limits the company's ability to reinvest in growth initiatives and manage debt, posing a risk to financial sustainability.

Brighthouse Financial Business Overview & Revenue Model

Company Description

Brighthouse Financial (BHF) is a leading provider of life insurance and annuity products in the United States. Established as a spin-off from MetLife, Brighthouse focuses on offering solutions that help individuals and families achieve financial security, particularly in retirement. The company operates primarily in the insurance and financial services sectors, providing a range of products including term and whole life insurance, fixed and variable annuities, and investment solutions designed to meet the long-term savings and protection needs of its customers.

How the Company Makes Money

Brighthouse Financial generates revenue primarily through the sale of its insurance and annuity products. The company's key revenue streams include premiums collected from life insurance policies and fees from annuity contracts. Additionally, Brighthouse earns income from the investment of premiums and reserves in various financial assets. The company also benefits from asset management fees associated with its investment products. Significant partnerships with financial advisors and broker-dealers enhance its distribution capabilities, allowing Brighthouse to reach a wider customer base and drive sales. Furthermore, the company's focus on innovative product offerings and customer-centric solutions contributes to its financial performance.

Brighthouse Financial Financial Statement Overview

Summary

Brighthouse Financial shows profitability and operational efficiency with a healthy net profit margin and manageable leverage. However, declining revenue and weak cash flow growth are significant concerns, impacting overall financial health.

Income Statement

Brighthouse Financial's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) revenue has decreased by 8.13%, indicating a decline in sales. However, the company maintains a healthy net profit margin of 10.56% and an EBIT margin of 14.52%, suggesting operational efficiency. Despite these strengths, the negative revenue growth rate is a concern.

Balance Sheet

The balance sheet reflects a moderate financial position with a debt-to-equity ratio of 0.56, indicating manageable leverage. The return on equity (ROE) is 12.41%, which is a positive sign of profitability. The equity ratio stands at 2.34%, showing a stable capital structure. Overall, the balance sheet is stable but not exceptionally strong.

Cash Flow

Cash flow analysis reveals significant challenges. The free cash flow growth rate is negative at -86.79%, indicating declining cash generation. The operating cash flow to net income ratio is 3.0, suggesting some cash flow efficiency. However, the overall cash flow position is weak, impacting the company's liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.15B	4.37B	3.95B	6.63B	3.58B	8.27B
Gross Profit	2.37B	2.01B	336.00M	6.57B	3.07B	697.00M
EBITDA	913.00M	574.00M	-1.32B	4.88B	2.17B	-1.24B
Net Income	664.00M	388.00M	-1.11B	3.88B	1.64B	-1.06B
Balance Sheet
Total Assets	242.65B	238.54B	236.34B	225.72B	259.84B	247.87B
Cash, Cash Equivalents and Short-Term Investments	86.38B	86.97B	3.85B	80.77B	94.00B	89.84B
Total Debt	3.15B	3.15B	3.16B	3.16B	3.16B	3.44B
Total Liabilities	236.91B	234.24B	231.33B	220.19B	243.63B	229.78B
Stockholders Equity	5.67B	4.96B	4.94B	5.46B	16.14B	18.02B
Cash Flow
Free Cash Flow	51.00M	-290.00M	-137.00M	-1.23B	746.00M	888.00M
Operating Cash Flow	51.00M	-290.00M	-137.00M	-1.23B	746.00M	888.00M
Investing Cash Flow	188.00M	-2.19B	-3.20B	-8.28B	-12.24B	-5.84B
Financing Cash Flow	860.00M	3.68B	3.07B	9.14B	11.86B	6.19B

Brighthouse Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 54.29
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BHF, the sentiment is Positive. The current price of 54.29 is above the 20-day moving average (MA) of 48.30, above the 50-day MA of 49.06, and above the 200-day MA of 53.27, indicating a bullish trend. The MACD of 0.67 indicates Negative momentum. The RSI at 61.03 is Neutral, neither overbought nor oversold. The STOCH value of 72.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BHF.

Brighthouse Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FG	73 Outperform	$3.99B	12.10	8.40%	2.97%	1.78%	0.77%
CNO	71 Outperform	$4.00B	14.44	10.96%	1.67%	0.82%	-29.29%
LNC	68 Neutral	$7.66B	3.62	21.66%	4.46%	35.76%	636.97%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GNW	63 Neutral	$3.50B	19.28	2.42%	―	2.61%	465.03%
BHF	63 Neutral	$3.06B	5.79	13.53%	―	59.27%	―
JXN	63 Neutral	$7.00B	―	0.30%	3.08%	27.18%	-100.02%

Brighthouse Financial Corporate Events

Brighthouse Financial Appoints New COO and CAO

On August 27, 2025, Brighthouse Financial announced the appointment of Myles J. Lambert as Executive Vice President and Chief Operating Officer, effective August 30, 2025. Lambert, who has been with the company since 2017, will continue to lead distribution and marketing while overseeing operations. Additionally, Melissa Pavlovich was appointed as Chief Accounting Officer, succeeding Richard Cook, who will now serve as Deputy CAO. These leadership changes are expected to enhance the company’s strategic direction and operational efficiency.

The most recent analyst rating on (BHF) stock is a Hold with a $48.00 price target. To see the full list of analyst forecasts on Brighthouse Financial stock, see the BHF Stock Forecast page.

Brighthouse Financial’s Earnings Call: Mixed Signals

Brighthouse Financial’s recent earnings call painted a mixed picture of the company’s performance. While there was notable growth in sales and a robust capital and liquidity position, the company faced headwinds with lower adjusted earnings and a decline in the combined RBC ratio. Challenges were further compounded by a drop in alternative investment income and adverse non-VA results.

Brighthouse Financial Reports Strong Q2 2025 Performance

Brighthouse Financial, Inc. is a prominent provider of annuities and life insurance in the United States, focusing on products that help individuals secure their financial future.

Brighthouse Financial Reports Q2 2025 Earnings Increase

On August 7, 2025, Brighthouse Financial announced its financial results for the second quarter ended June 30, 2025. The company reported a significant increase in net income available to shareholders, reaching $60 million compared to $9 million in the same quarter of 2024. Despite a decrease in adjusted earnings from $346 million in 2024 to $198 million in 2025, the company saw an 8% increase in annuity sales quarter-over-quarter and a 16% sequential rise, driven by fixed annuity sales. Brighthouse Financial also repurchased $102 million of its common stock year-to-date and maintained a robust risk-based capital ratio, reflecting a stable financial position.

The most recent analyst rating on (BHF) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Brighthouse Financial stock, see the BHF Stock Forecast page.