(BHFAL) Brighthouse Financial - Ratings and Ratios
Annuities, Life, Term
BHFAL EPS (Earnings per Share)
BHFAL Revenue
Description: BHFAL Brighthouse Financial
Brighthouse Financial, Inc. (NASDAQ:BHFAL) is a US-based insurance company that offers a range of annuity and life insurance products. The companys product portfolio is designed to meet customers needs for protected wealth accumulation, wealth transfer, and income security. Brighthouse operates through three business segments: Annuities, Life, and Run-off, providing a diverse range of products, including variable, fixed, index-linked, and income annuities, as well as term, whole, universal, and variable life insurance.
From a financial perspective, Brighthouse has a market capitalization of approximately $3.8 billion. The companys Return on Equity (RoE) stands at 12.34%, indicating a relatively strong profitability profile. To further evaluate the companys performance, other key metrics such as the Debt-to-Equity ratio, Interest Coverage ratio, and Asset Turnover ratio could be considered. These metrics can provide insights into Brighthouses capital structure, ability to service its debt, and operational efficiency.
In terms of growth prospects, the demand for annuity and life insurance products is driven by demographic trends, such as an aging population and increasing awareness of the need for retirement planning. Brighthouses product offerings and distribution channels are likely to be influenced by these trends. To assess the companys growth potential, metrics such as the growth rate of its annuity and life insurance sales, as well as its ability to maintain a competitive edge in the market, should be examined.
Notably, the GICS Sub Industry listed for Brighthouse is Oil & Gas Exploration & Production, which appears to be inconsistent with the companys actual business operations. This discrepancy may indicate a classification error or a need for further investigation into the companys business profile.
BHFAL Stock Overview
| Market Cap in USD | 3,959m |
| Sub-Industry | Oil & Gas Exploration & Production |
| IPO / Inception | 2018-09-14 |
BHFAL Stock Ratings
| Growth Rating | -43.8% |
| Fundamental | 53.4% |
| Dividend Rating | 61.1% |
| Return 12m vs S&P 500 | -33.0% |
| Analyst Rating | - |
BHFAL Dividends
| Dividend Yield 12m | 8.07% |
| Yield on Cost 5y | 8.15% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 96.4% |
| Payout Ratio | 0.0% |
BHFAL Growth Ratios
| Growth Correlation 3m | 0.6% |
| Growth Correlation 12m | -92.8% |
| Growth Correlation 5y | 7.7% |
| CAGR 5y | -2.60% |
| CAGR/Max DD 3y | -0.11 |
| CAGR/Mean DD 3y | -0.49 |
| Sharpe Ratio 12m | -0.24 |
| Alpha | -37.42 |
| Beta | 0.866 |
| Volatility | 16.17% |
| Current Volume | 23.9k |
| Average Volume 20d | 23.1k |
| Stop Loss | 17.7 (-3.3%) |
| Signal | -1.07 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (664.0m TTM) > 0 and > 6% of Revenue (6% = 377.2m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1712 % (prev 667.4%; Δ 1045 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 51.0m <= Net Income 664.0m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 6331 (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 -7.26% (target <= -2.0% for YES) |
| Gross Margin 39.91% (prev 18.58%; Δ 21.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.62% (prev 1.70%; Δ 0.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -2.08 (EBITDA TTM -168.0m / Interest Expense TTM 152.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.86
| (A) 0.44 = (Total Current Assets 107.63b - Total Current Liabilities 17.0m) / Total Assets 242.65b |
| (B) -0.01 = Retained Earnings (Balance) -1.30b / Total Assets 242.65b |
| (C) -0.00 = EBIT TTM -316.0m / Avg Total Assets 239.58b |
| (D) -0.02 = Book Value of Equity -5.56b / Total Liabilities 236.91b |
| Total Rating: 2.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 53.42
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 0.03% = 0.02 |
| 3. FCF Margin 0.81% = 0.20 |
| 4. Debt/Equity 41.76 = -2.50 |
| 5. Debt/Ebitda data missing |
| 7. RoE 12.41% = 1.03 |
| 8. Rev. Trend 24.14% = 1.81 |
| 9. EPS Trend 97.18% = 4.86 |
What is the price of BHFAL shares?
Over the past week, the price has changed by -5.18%, over one month by -1.26%, over three months by -6.54% and over the past year by -20.37%.
Is Brighthouse Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BHFAL is around 18.15 USD . This means that BHFAL is currently overvalued and has a potential downside of -0.87%.
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 | 19.2 | 4.6% |
Last update: 2025-09-06 04:33
BHFAL Fundamental Data Overview
CCE Cash And Equivalents = 86.38b USD (Cash And Short Term Investments, last quarter)
Beta = None
Revenue TTM = 6.29b USD
EBIT TTM = -316.0m USD
EBITDA TTM = -168.0m USD
Long Term Debt = 236.89b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 17.0m USD (from totalCurrentLiabilities, last quarter)
Debt = 236.91b USD (Calculated: Short Term 17.0m + Long Term 236.89b)
Net Debt = -2.38b USD (from netDebt column, last quarter)
Enterprise Value = 154.49b USD (3.96b + Debt 236.91b - CCE 86.38b)
Interest Coverage Ratio = -2.08 (Ebit TTM -316.0m / Interest Expense TTM 152.0m)
FCF Yield = 0.03% (FCF TTM 51.0m / Enterprise Value 154.49b)
FCF Margin = 0.81% (FCF TTM 51.0m / Revenue TTM 6.29b)
Net Margin = 10.56% (Net Income TTM 664.0m / Revenue TTM 6.29b)
Gross Margin = 39.91% ((Revenue TTM 6.29b - Cost of Revenue TTM 3.78b) / Revenue TTM)
Tobins Q-Ratio = -27.80 (set to none) (Enterprise Value 154.49b / Book Value Of Equity -5.56b)
Interest Expense / Debt = 0.02% (Interest Expense 38.0m / Debt 236.91b)
Taxrate = 6.87% (29.0m / 422.0m)
NOPAT = -316.0m (EBIT -316.0m, no tax applied on loss)
Current Ratio = 6331 (Total Current Assets 107.63b / Total Current Liabilities 17.0m)
Debt / Equity = 41.76 (Debt 236.91b / last Quarter total Stockholder Equity 5.67b)
Debt / EBITDA = -1410 (Net Debt -2.38b / EBITDA -168.0m)
Debt / EBITDA = -1410 --> set to None
Debt / FCF = 4645 (Debt 236.91b / FCF TTM 51.0m)
Total Stockholder Equity = 5.35b (last 4 quarters mean)
RoA = 0.27% (Net Income 664.0m, Total Assets 242.65b )
RoE = 12.41% (Net Income TTM 664.0m / Total Stockholder Equity 5.35b)
RoCE = -0.13% (Ebit -316.0m / (Equity 5.35b + L.T.Debt 236.89b))
RoIC = unknown (NOPAT -316.0m, Invested Capital -80.64b, Ebit -316.0m)
WACC = 0.17% (E(3.96b)/V(240.87b) * Re(9.21%)) + (D(236.91b)/V(240.87b) * Rd(0.02%) * (1-Tc(0.07)))
Shares Correlation 3-Years: -98.47 | Cagr: -1.93%
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 51.0m)
EPS Correlation: 97.18 | EPS CAGR: 0.0% | SUE: NaN | # QB: False
Revenue Correlation: 24.14 | Revenue CAGR: -11.82%
Additional Sources for BHFAL Stock
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Fund Manager Positions: Dataroma | Stockcircle