(BHFAL) Brighthouse Financial - Overview
Annuity, Life, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 8.09% |
| Yield on Cost 5y | 8.22% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 96.3% |
| Payout Ratio | - |
| Risk 5d forecast | |
|---|---|
| Volatility | 14.2% |
| Relative Tail Risk | -1.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.01 |
| Alpha | -25.80 |
| Character TTM | |
|---|---|
| Beta | 0.258 |
| Beta Downside | 0.216 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.75% |
| CAGR/Max DD | -0.13 |
Description: BHFAL Brighthouse Financial January 16, 2026
Brighthouse Financial, Inc. (NASDAQ:BHFAL) is a U.S.–based insurer that offers a suite of annuity and life-insurance solutions, organized into three operating segments: Annuities, Life, and Run-off. Its product lineup includes variable, fixed, and index-linked annuities as well as term, whole, universal, and variable life policies, all designed to meet needs ranging from tax-deferred wealth accumulation to income security and inter-generational wealth transfer. The company was spun out of MetLife in 2016 and is headquartered in Charlotte, North Carolina.
Despite the erroneous GICS tag in the source, Brighthouse belongs to the **Insurance – Life & Health** sub-industry, not Oil & Gas. As of the most recent filing (Q4 2023), the firm reported **$2.3 billion in net income**, **$225 billion in total assets**, and an **annuity sales growth of 8 % YoY**, reflecting strong demand for retirement-income products in a low-interest-rate environment.
Key drivers of Brighthouse’s performance include the prevailing **interest-rate curve** (which influences annuity pricing and investment returns), **U.S. demographic aging** (expanding the pool of prospective retirees), and **regulatory capital requirements** that shape product mix and pricing strategy. Monitoring these macro-factors is essential for assessing the company’s earnings outlook.
For a deeper, data-rich view of how these variables translate into valuation metrics, you might explore Brighthouse’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 967.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.05 > 1.0 |
| NWC/Revenue: 1495 % < 20% (prev 2318 %; Δ -823.0% < -1%) |
| CFO/TA 0.00 > 3% & CFO 144.0m > Net Income 967.0m |
| Net Debt (-3.45b) to EBITDA (1.31b): -2.63 < 3 |
| Current Ratio: 5185 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.7m) vs 12m ago -5.28% < -2% |
| Gross Margin: 44.44% > 18% (prev 0.05%; Δ 4440 % > 0.5%) |
| Asset Turnover: 2.41% > 50% (prev 1.93%; Δ 0.48% > 0%) |
| Interest Coverage Ratio: -2.08 > 6 (EBITDA TTM 1.31b / Interest Expense TTM 152.0m) |
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 -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) |
| Altman-Z'' Score: 2.32 = BBB |
What is the price of BHFAL shares?
Over the past week, the price has changed by +0.45%, over one month by +7.57%, over three months by +0.47% and over the past year by -15.39%.
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 | 18.9 | 5.5% |
BHFAL Fundamental Data Overview January 27, 2026
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 = -81.31b USD (3.68b + Debt 3.15b - CCE 88.14b)
Interest Coverage Ratio = -2.08 (Ebit TTM -316.0m / Interest Expense TTM 152.0m)
EV/FCF = -564.7x (Enterprise Value -81.31b / FCF TTM 144.0m)
FCF Yield = -0.18% (FCF TTM 144.0m / Enterprise Value -81.31b)
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 -81.31b / 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 = 0.39% (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 = 0.33% (negative operating profit) (NOPAT -259.8m / Invested Capital -78.62b)
WACC = 4.15% (E(3.68b)/V(6.83b) * Re(6.87%) + D(3.15b)/V(6.83b) * Rd(1.20%) * (1-Tc(0.18)))
Discount Rate = 6.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
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