(BHFAL) Brighthouse Financial - Ratings and Ratios
Annuities, Life Insurance, Wealth Transfer, Income Security, Tax-Deferred
Dividends
| Dividend Yield | 9.27% |
| Yield on Cost 5y | 8.17% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 96.4% |
| Payout Ratio | - |
| Risk via 10d forecast | |
|---|---|
| Volatility | 16.2% |
| Value at Risk 5%th | 26.4% |
| Relative Tail Risk | -0.87% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.51 |
| Alpha | -31.63 |
| CAGR/Max DD | -0.15 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.397 |
| Beta | 0.282 |
| Beta Downside | 0.205 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.73% |
| Mean DD | 8.70% |
| Median DD | 5.57% |
Description: BHFAL Brighthouse Financial November 13, 2025
Brighthouse Financial, Inc. (NASDAQ:BHFAL) is a U.S.–based insurer that markets annuity and life-insurance solutions through three operating segments: Annuities, Life, and Run-off. Its product suite includes variable, fixed, and index-linked annuities as well as term, whole, universal, and variable life policies, all designed to meet tax-deferred wealth accumulation, income security, and wealth-transfer objectives. The firm was spun out of MetLife in 2016 and is headquartered in Charlotte, North Carolina.
Key quantitative snapshots (as of FY 2023) show a policyholder surplus of roughly $13 billion, net income of $1.2 billion and earnings per share of $5.5, while the combined ratio for the Life segment hovered near 95 %-indicating modest underwriting profitability. The company’s earnings are highly sensitive to the prevailing interest-rate environment: rising rates tend to improve the spread on fixed-annuity liabilities but can pressure demand for new annuity sales. Demographic trends, notably the aging of the Baby-Boom cohort, remain a long-term tailwind for both annuity and life-insurance demand, whereas regulatory scrutiny of variable-product disclosures adds a layer of compliance risk.
For a deeper, data-driven view of Brighthouse’s valuation dynamics and how they compare to peers, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (967.0m TTM) > 0 and > 6% of Revenue (6% = 353.7m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA 0.05pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1495 % (prev 2318 %; Δ -823.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 144.0m <= Net Income 967.0m (YES >=105%, WARN >=100%) |
| Net Debt (-3.45b) to EBITDA (1.31b) ratio: -2.63 <= 3.0 (WARN <= 3.5) |
| Current Ratio 5185 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (57.7m) change vs 12m ago -5.28% (target <= -2.0% for YES) |
| Gross Margin 44.44% (prev 4.53%; Δ 39.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.41% (prev 1.93%; Δ 0.48pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -2.08 (EBITDA TTM 1.31b / Interest Expense TTM 152.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.32
| (A) 0.36 = (Total Current Assets 88.14b - Total Current Liabilities 17.0m) / Total Assets 244.68b |
| (B) -0.00 = Retained Earnings (Balance) -823.0m / Total Assets 244.68b |
| (C) -0.00 = EBIT TTM -316.0m / Avg Total Assets 244.92b |
| (D) -0.02 = Book Value of Equity -4.84b / Total Liabilities 238.25b |
| Total Rating: 2.32 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.58
| 1. Piotroski 4.0pt |
| 2. FCF Yield -0.18% |
| 3. FCF Margin 2.44% |
| 4. Debt/Equity 0.50 |
| 5. Debt/Ebitda -2.63 |
| 6. ROIC - WACC (= -3.86)% |
| 7. RoE 17.40% |
| 8. Rev. Trend -5.65% |
| 9. EPS Trend 99.66% |
What is the price of BHFAL shares?
Over the past week, the price has changed by +0.01%, over one month by -1.08%, over three months by -10.47% and over the past year by -25.10%.
Is BHFAL a buy, sell or hold?
What are the forecasts/targets for the BHFAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 17.6 | 4.3% |
BHFAL Fundamental Data Overview November 26, 2025
Beta = None
Revenue TTM = 5.89b USD
EBIT TTM = -316.0m USD
EBITDA TTM = 1.31b USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 3.15b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.45b USD (from netDebt column, last quarter)
Enterprise Value = -81.48b USD (3.50b + Debt 3.15b - CCE 88.14b)
Interest Coverage Ratio = -2.08 (Ebit TTM -316.0m / Interest Expense TTM 152.0m)
FCF Yield = -0.18% (FCF TTM 144.0m / Enterprise Value -81.48b)
FCF Margin = 2.44% (FCF TTM 144.0m / Revenue TTM 5.89b)
Net Margin = 16.40% (Net Income TTM 967.0m / Revenue TTM 5.89b)
Gross Margin = 44.44% ((Revenue TTM 5.89b - Cost of Revenue TTM 3.27b) / Revenue TTM)
Gross Margin QoQ = 51.05% (prev 62.53%)
Tobins Q-Ratio = -0.33 (set to none) (Enterprise Value -81.48b / Total Assets 244.68b)
Interest Expense / Debt = 1.20% (Interest Expense 38.0m / Debt 3.15b)
Taxrate = 17.78% (104.0m / 585.0m)
NOPAT = -259.8m (EBIT -316.0m * (1 - 17.78%)) [loss with tax shield]
Current Ratio = 5185 (out of range, set to none) (Total Current Assets 88.14b / Total Current Liabilities 17.0m)
Debt / Equity = 0.50 (Debt 3.15b / totalStockholderEquity, last quarter 6.36b)
Debt / EBITDA = -2.63 (Net Debt -3.45b / EBITDA 1.31b)
Debt / FCF = -23.97 (Net Debt -3.45b / FCF TTM 144.0m)
Total Stockholder Equity = 5.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.40% (Net Income 967.0m / Total Assets 244.68b)
RoE = 17.40% (Net Income TTM 967.0m / Total Stockholder Equity 5.56b)
RoCE = -0.13% (EBIT -316.0m / Capital Employed (Total Assets 244.68b - Current Liab 17.0m))
RoIC = 0.32% (negative operating profit) (NOPAT -259.8m / Invested Capital -81.72b)
WACC = 4.18% (E(3.50b)/V(6.66b) * Re(7.05%) + D(3.15b)/V(6.66b) * Rd(1.20%) * (1-Tc(0.18)))
Discount Rate = 7.05% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -5.08%
Fair Price DCF = unknown (Cash Flow 144.0m)
EPS Correlation: 99.66 | EPS CAGR: 73.1k% | SUE: N/A | # QB: 0
Revenue Correlation: -5.65 | Revenue CAGR: -0.12% | SUE: N/A | # QB: 0
Additional Sources for BHFAL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle