Brighthouse Financial (BHF) AI Stock Analysis

• Market Cap: $3.15B
• Dividend Yield: N/A
• Average Volume (3M): 1.12M
• Price to Earnings (P/E): 6.0
• Beta (1Y): 1.05
• 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: 2,065,178
• 30 Day Avg. Volume: 1,122,753
• 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: 2.01
• Enterprise Value/Revenue: 1.02
• Enterprise Value/Gross Profit: 2.67
• Enterprise Value/Ebitda: 6.93
• 1Y Price Target: $60.00
• Price Target Upside: 12.11% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 10

• Rating: 71 Outperform
• Price Target: $64.00 ▲(19.58% Upside)

Brighthouse Financial's stock score is driven by strong technical momentum and attractive valuation. While financial performance shows profitability, concerns about revenue decline and cash flow challenges weigh on the score. The earnings call provided mixed signals with strong sales but declining earnings.

Positive Factors

Strong Annuity and Life Insurance Sales

The increase in annuity and life insurance sales indicates strong demand for Brighthouse's products, supporting long-term revenue growth and market position.

Capital and Liquidity Position

A robust capital and liquidity position enhances financial stability, providing resilience against market fluctuations and supporting strategic investments.

Shareholder Returns

Consistent share repurchases reflect strong cash flow management and commitment to returning value to shareholders, enhancing investor confidence.

Negative Factors

Declining Revenue

A decline in revenue suggests challenges in maintaining market share and product competitiveness, potentially impacting long-term growth prospects.

Adjusted Earnings Decline

The decline in adjusted earnings highlights potential issues in operational efficiency and profitability, which could affect future financial performance.

Challenges in Underwriting Margin

Challenges in underwriting margins indicate potential difficulties in risk management and pricing strategies, impacting profitability and competitive positioning.

Brighthouse Financial Business Overview & Revenue Model

Company Description

Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. It operates through three segments: Annuities, Life, and Run-off. The Annuities segment 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. The Life segment provides term, universal, whole, and variable life policies for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements, and universal life with secondary guarantees. The company was incorporated in 2016 and is based in Charlotte, North Carolina.

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 concerning, 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	6.21B	4.37B	3.95B	6.63B	3.58B	8.50B
Gross Profit	2.37B	2.01B	336.00M	6.57B	4.93B	697.00M
EBITDA	913.00M	574.00M	-1.32B	4.88B	-45.00M	-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: 53.52
• 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 53.52 is above the 20-day moving average (MA) of 47.83, above the 50-day MA of 47.72, and above the 200-day MA of 53.07, indicating a bullish trend. The MACD of 1.40 indicates Negative momentum. The RSI at 61.15 is Neutral, neither overbought nor oversold. The STOCH value of 66.81 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	79 Outperform	4.45B	13.51	16.17%	2.68%	1.78%	0.77%
CNO	73 Outperform	3.86B	14.67	16.17%	1.66%	0.82%	-29.29%
LNC	71 Outperform	7.78B	7.16	39.61%	4.44%	11.33%	-38.17%
BHF	71 Outperform	$3.15B	5.96	13.53%	―	59.27%	―
GNW	67 Neutral	3.71B	20.38	3.52%	―	2.61%	465.03%
JXN	63 Neutral	7.14B	-1,606.60	0.00%	3.03%	27.18%	-100.02%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.