Brighthouse Financial, Inc. provides annuity and life insurance products in the United States.
No risks detected for BHF from our risk checks.
Reasonable growth potential and fair value.
Share Price & News
How has Brighthouse Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BHF has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BHF underperformed the US Insurance industry which returned 16.3% over the past year.
Return vs Market: BHF underperformed the US Market which returned 17.9% over the past year.
Price Volatility Vs. Market
How volatile is Brighthouse Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StBrighthouse Financial, Inc. (NASDAQ:BHF) Insiders Increased Their Holdings
1 month ago | Simply Wall StHere's Why I Think Brighthouse Financial (NASDAQ:BHF) Might Deserve Your Attention Today
2 months ago | Simply Wall StWhat Kind Of Investor Owns Most Of Brighthouse Financial, Inc. (NASDAQ:BHF)?
Is Brighthouse Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BHF ($46.1) is trading below our estimate of fair value ($110.98)
Significantly Below Fair Value: BHF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BHF is unprofitable, so we can't compare its PE Ratio to the Insurance industry average.
PE vs Market: BHF is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BHF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BHF is good value based on its PB Ratio (0.3x) compared to the US Insurance industry average (1.1x).
How is Brighthouse Financial forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BHF is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.7%).
Earnings vs Market: BHF is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: BHF's is expected to become profitable in the next 3 years.
Revenue vs Market: BHF's revenue (8.7% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: BHF's revenue (8.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BHF's Return on Equity is forecast to be low in 3 years time (6.3%).
How has Brighthouse Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BHF is currently unprofitable.
Growing Profit Margin: BHF is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: BHF is unprofitable, but has reduced losses over the past 5 years at a rate of 10.2% per year.
Accelerating Growth: Unable to compare BHF's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: BHF is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (32.1%).
Return on Equity
High ROE: BHF has a negative Return on Equity (-4.53%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
How is Brighthouse Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: BHF has a low level of unsold assets or inventory.
Debt Coverage by Assets: BHF's debt is covered by short term assets (assets are 2.7x debt).
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable BHF has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: BHF is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by -12% per year.
Financial Institutions Analysis
Asset Level: BHF's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if BHF has a sufficient allowance for bad loans.
Low Risk Liabilities: BHF reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if BHF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BHF has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if BHF has an appropriate level of bad loans.
What is Brighthouse Financial's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate BHF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate BHF's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if BHF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BHF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BHF's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Eric Steigerwalt (57yo)
Mr. Eric Thomas Steigerwalt is the President and Chief Executive Officer at Brighthouse Life Insurance Company of NY. Mr. Steigerwalt serves as the President, Chief Executive Officer and Director at Bright ...
CEO Compensation Analysis
Compensation vs Market: Eric's total compensation ($USD15.54M) is above average for companies of similar size in the US market ($USD6.39M).
Compensation vs Earnings: Insufficient data to compare Eric's compensation with company performance.
|Executive VP & COO||1.7yrs||US$3.88m||0.020% $963.4k|
|Executive VP & Chief Investment Officer||3.4yrs||US$5.12m||0.032% $1.6m|
|Executive VP||2yrs||US$4.33m||0.021% $1.0m|
|Executive VP & CFO||0.5yrs||no data||no data|
|Chief Accounting Officer||0yrs||no data||0.0046% $226.8k|
|Head of Investor Relations||0yrs||no data||no data|
|Executive VP and Chief Distribution & Marketing Officer||3.5yrs||no data||0.016% $780.6k|
|VP & Treasurer||0yrs||no data||no data|
|Corporate Secretary||0yrs||no data||no data|
Experienced Management: BHF's management team is considered experienced (2.7 years average tenure).
|Independent Chairman of the Board||2.5yrs||US$563.28k||0.011% $530.8k|
|Independent Director||1.3yrs||US$89.96k||0.0042% $203.8k|
|Independent Director||2.5yrs||US$363.28k||0.0044% $216.5k|
|Independent Director||1.3yrs||US$89.96k||0.0014% $68.4k|
|Independent Director||2.5yrs||no data||0.0044% $216.5k|
|Independent Director||2.6yrs||US$368.28k||0.0044% $216.5k|
|Independent Director||2.5yrs||US$345.78k||0.0044% $217.0k|
|Independent Director||2.5yrs||US$363.28k||0.0044% $216.5k|
Experienced Board: BHF's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Brighthouse Financial, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Brighthouse Financial, Inc.
- Ticker: BHF
- Exchange: NasdaqGS
- Founded: 2016
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: US$4.888b
- Shares outstanding: 106.03m
- Website: https://www.brighthousefinancial.com
Number of Employees
- Brighthouse Financial, Inc.
- 11225 North Community House Road
- North Carolina
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BHF||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jul 2017|
|BROC||MUN (Boerse Muenchen)||Yes||Common Stock||DE||EUR||Jul 2017|
|BHF *||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Jul 2017|
|0HPH||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Jul 2017|
|BHFA.P||NasdaqGS (Nasdaq Global Select)||6.6% DP PFD A||US||USD||Mar 2019|
Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. It operates through three segments: Annuities, Life, and Run-off. The Annuities segment offers variable, fixed, index-linked, and income annuities for contract holders’ needs for protected wealth accumulation on a tax-deferred basis, wealth transfer, and income security. The Life segment consist of term, universal, whole, and variable life products for policyholders’ needs for financial security and protected wealth transfer. The Run-off segment provides structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements, and universal life with secondary guarantees. The company was founded in 2016 and is headquartered in Charlotte, North Carolina.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/23 03:08|
|End of Day Share Price||2020/02/21 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.