A Business at a Glance
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Index to Business Our Company Segment Information Reinsurance Activity Sales Distribution Human Capital Resources Information About Our Executive Officers Intellectual Property Available Information and the Brighthouse Financial Website Our Company We are one of the largest providers of annuity and life insurance products in the U.S. with over 2.0 million annuity contracts and insurance policies in force at December 31, 2025. We deliver our products through multiple independent distribution channels and marketing arrangements with a diverse network of distribution partners. We primarily transact business through our insurance subsidiaries, Brighthouse Life Insurance Company, Brighthouse Life Insurance Company of NY (“BHNY”) and New England Life Insurance Company (“NELICO”); however, NELICO does not currently write new business.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 6.8B | 6.8B | 4.7B | 4.1B | 6.9B | 5.0B |
| Net Income | 331M | 331M | 286M | -1.2B | 3.8B | 1.6B |
| EPS | $5.71 | $5.71 | $4.64 | $-18.39 | $51.30 | $18.39 |
| Free Cash Flow | 259M | 259M | -290M | -137M | -1.2B | 641M |
| ROIC | 1.8% | 3.7% | 3.5% | -14.5% | 27.0% | 7.6% |
| Gross Margin | 64.8% | 64.8% | 39.2% | 21.9% | 60.6% | 31.1% |
| Debt/Equity | 3.36 | 3.36 | 4.70 | 4.55 | 4.15 | 1.23 |
| Dividends/Share | $1.76 | $1.76 | $1.65 | $1.55 | $1.41 | $1.05 |
| Operating Income | 474M | 474M | 422M | -1.5B | 4.7B | 2.0B |
| Operating Margin | 7.0% | 7.0% | 8.9% | -35.8% | 68.8% | 40.4% |
| ROE | 4.9% | 5.6% | 5.8% | -23.2% | 34.8% | 9.1% |
| Shares Outstanding | 58M | 58M | 62M | 66M | 74M | 85M |
Brighthouse Financial, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Brighthouse Financial, Inc. trades at 10.7x trailing earnings, compared to its 15-year median P/E of 4.3x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 13.7x vs a median of 3.1x. The company's 5-year average ROIC is 5.5% with a gross margin of 43.5%. Total shareholder yield (dividends + buybacks) is 5.7%. At current prices, the estimated annualized return to fair value is -32.1%.
Brighthouse Financial, Inc. (BHF) has a current P/E ratio of 10.7, compared to its historical median P/E of 4.3. The stock is currently considered Expensive based on its historical valuation range.
Brighthouse Financial, Inc. (BHF) has a 5-year average return on invested capital (ROIC) of 5.5%. This is below average and may indicate limited pricing power.
Brighthouse Financial, Inc. (BHF) has a market capitalization of $3.6B. It is classified as a mid-cap stock.
Yes, Brighthouse Financial, Inc. (BHF) pays a dividend with a trailing twelve-month yield of 2.87%. The company also returns capital through share buybacks, with a buyback yield of 2.87%.
Based on historical P/E analysis, Brighthouse Financial, Inc. (BHF) appears expensive. The current P/E of 10.7 is 149% above its historical median of 4.3. The estimated fair value CAGR (P/E method) is 15.3%.
Brighthouse Financial, Inc. (BHF) operates in the Life Insurance industry, within the Financials sector.
Brighthouse Financial, Inc. (BHF) reported annual revenue of $6.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
Brighthouse Financial, Inc. (BHF) has a net profit margin of 4.9%. This is a modest margin.
Brighthouse Financial, Inc. (BHF) generated $259 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Brighthouse Financial, Inc. (BHF) has a debt-to-equity ratio of 3.36. This indicates higher leverage, which may increase financial risk.
Brighthouse Financial, Inc. (BHF) reported earnings per share (EPS) of $5.71 in its most recent fiscal year.
Brighthouse Financial, Inc. (BHF) has a return on equity (ROE) of 5.6%. This indicates moderate shareholder returns.
Brighthouse Financial, Inc. (BHF) has a 5-year average gross margin of 43.5%. This indicates decent pricing power.
The Ledger Terminal provides 11 years of financial data for Brighthouse Financial, Inc. (BHF), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Brighthouse Financial, Inc. (BHF) has a book value per share of $116.75, based on its most recent annual SEC filing.