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Company Analysis

Brighthouse Financial, Inc. - d BHFAN

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

Overview of Brighthouse Financial, Inc.

BHFAN NMS
Financial Services Insurance - Life Framework: Insurance & Reinsurance
Brighthouse Financial, Inc. (BHFAN), in the Insurance - Life industry, last closed at $10.32, about 0.0% overvalued vs fair value, -27.3% 1Y return, ranked 819/1078 in sector.
Metrics Rev Growth 46.3% ROE 7.4% Gross Margin 68.9%
USD 10.32
0.19%
(Delayed)
• Vol 90d: 20.8%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 76%
Confidence: 81%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

No upcoming events available.

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

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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
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Consistent Premium Growth Premium growth trend is positive (signal score 0.95), reflecting successful new business generation and pricing momentum.
  • Improving Expense Discipline Over Time Efficiency trend is positive (score 0.64), suggesting improving operational cost discipline.

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
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

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 BHFAN's balance between Growth (62.7%), Profitability (26.8%), and Safety (10.5%). Growth 63% Safety 11% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Rev Growth YoY 46.3% 90p Equity Growth YoY 36.5% 88p Revenue CAGR 3Y -1.2% 13p Asset Growth YoY 1.4% 20p
Strengths
  • Rev Growth YoY in top 20% of peers (46.3%, 90th percentile)
  • Equity Growth YoY in top 20% of peers (36.5%, 88th percentile)
  • Growth above peer median with strong metric coverage (85%)
Risks

No significant risks identified for this axis.

Profitability

27th percentile vs peers
27
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bull
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Fair Value Range Current: $-
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