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Company Analysis

Brighthouse Financial, Inc. - D BHFAM

A comprehensive view of key metrics, scores, and financial health for Brighthouse Financial, Inc. - D

Overview of Brighthouse Financial, Inc.

BHFAM NMS
Financial Services Insurance - Life Framework: Insurance & Reinsurance
Brighthouse Financial, Inc. (BHFAM), in the Insurance - Life industry, last closed at $10.09, about 0.0% overvalued vs fair value, -14.5% 1Y return, ranked 894/1078 in sector.
Metrics Rev Growth 46.3% ROE 7.4% Gross Margin 68.9%
USD 10.09
-1.18%
(Delayed)
• Vol 90d: 18.4%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 88%
Confidence: 49%
Updated: Sep 12
Top Beats

Quick Facts

Website https://www.brighthousefinanci...
HQ Charlotte, NC
Employees 1,400
Fiscal year Dec 31

Next Events

Dividend Sep 10

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$6.4B
46.3%%
Claims & Losses
$-1.8B
-23.4%%
Acquisition & Admin Expenses
$-750.0M
Underwriting Result
$474.0M
12.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
28.2%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$204.0M
47.1% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
0/2
Improving
1
High Impact
0
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Brighthouse Financial, Inc. - D's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
53
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Premium Pricing Margins Premium margin signal is strong (score 0.72), with operating margin at 7.4% vs peers — indicating pricing authority.
  • Consistent Premium Growth Premium growth trend is positive (signal score 0.91), reflecting successful new business generation and pricing momentum.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.27), indicating significant exposure to loss cycle or catastrophe volatility.
  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.27), indicating elevated catastrophe or reserve cycle exposure.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
48
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing BHFAM's balance between Growth (62.1%), Profitability (27.4%), and Safety (10.6%). Growth 62% Safety 11% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

62th percentile vs peers
62
Key Signals
Rev Growth YoY 46.3% 89p Equity Growth YoY 36.5% 87p Revenue CAGR 3Y -1.2% 12p Asset Growth YoY 1.4% 20p
Strengths
  • Rev Growth YoY in top 20% of peers (46.3%, 89th percentile)
  • Equity Growth YoY in top 20% of peers (36.5%, 87th percentile)
  • Growth above peer median with strong metric coverage (85%)
Risks

No significant risks identified for this axis.

Profitability

27th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

10th percentile vs peers
11
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Brighthouse Financial, Inc. - D.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
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Base
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Bull
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Fair Value Range Current: $-
$- $- $-
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