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Brighthouse Financial, Inc.

BHF

$60.84 ▼ -1.34 (-2.16%) at close

12 Visible periods

33 Metrics

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Fair

Neutral

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Analytical Summary

Brighthouse Financial, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $3.5B

Dividend Yield —

Revenue Growth 43.2% ↗

Op. Margin 7.0% ↘

ROIC None

FCF / Share None

Trailing P/E 10.6x

Price / Book 0.5x

FCF Yield —

Debt / Equity 0.47

info Valuation on last close. End-of-day price, Aug 7, 2026.

12-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$6.77B

↑ +43.2% —

Net Income Profit after all expenses

$433.00M

↑ +11.6% —

Operating Margin Operating profit as % of sales

7.0%

↓ -21.6% 48th

Long-Term Debt Long-term obligations

$3.15B

— 0.0% —

Health Breakdown

Profitability

Returns

Financial Health ↑

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	43.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+620%)	14.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	-40.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-768%)	-3.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-163%)	-16.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-367%)	29.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+396%)	-26.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-548%)	31.0% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+417%)	126.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2012%)	-66.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1201%)	—	—
EPS Growth YoY (%)	23.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	79.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-71.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	87.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	11.6% Fair Fair Year-over-year change in net income	N/M	N/M	N/M	89.8% Excellent Excellent Year-over-year change in net income	-43.4% Weak Weak Year-over-year change in net income	N/M	N/M	87.1% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-12.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-21.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-7.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	29.5% Excellent Excellent Compound annual revenue growth over 3 years	0.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-4.5% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-6.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-14.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	18.8% Excellent Excellent Compound annual revenue growth over 5 years	-0.9% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-51.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	7.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	8.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-35.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-243%)	68.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+175%)	-2.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-16.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-167%)	-16.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-164%)	11.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	-9.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-136%)	-155.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-724%)	16.4% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	—
Effective Tax Rate (%) (%)	7.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	50.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	6.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	8.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	-27.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-223%)	56.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+157%)	-1.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	-12.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-157%)	-11.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-151%)	9.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	-5.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-97.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-543%)	12.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	-22.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-287%)	70.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+484%)	-0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	-5.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-149%)	-4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-138%)	6.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	-2.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-122%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Debt to Equity (x)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.64x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.64x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.57x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.27x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.27x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.25x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	$117.62	$77.19	$62.37	$94.19	$85.24	$89.18	$58.25	$75.09	$57.12	$25.20	—	—
Basic EPS, GAAP (USD)	$5.75	$4.67	$-18.39	$51.73	$-2.36	$-11.58	$-6.76	$7.24	$-3.16	$-24.54	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$118.38	$84.58	$77.84	$81.04	$207.29	$204.32	$152.53	$122.67	$121.19	—	—	—
Tangible Book Value per Share (USD)	$118.38	$84.58	$77.84	$81.04	$207.29	$204.32	$152.53	$122.67	$121.19	—	—	—
Basic Weighted Avg Shares (shares)	57.53M	61.20M	66.01M	72.97M	83.78M	95.35M	112.51M	119.39M	119.77M	119.77M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$3.15B	$3.15B	$3.16B	$3.16B	$3.16B	$3.44B	$4.37B	$3.96B	$3.61B	—	—	—
Total Equity (USD)	$6.77B	$4.96B	$4.94B	$5.53B	$16.14B	$18.02B	$16.17B	$14.42B	$14.52B	—	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$6.77B	$4.72B	$4.12B	$6.87B	$7.14B	$8.50B	$6.55B	$8.96B	$6.84B	$3.02B	$8.89B	—
Net Income, GAAP (USD)	$433.00M	$388.00M	$-1.11B	$3.88B	$-108.00M	$-1.06B	$-740.00M	$865.00M	$-378.00M	$-2.94B	$1.12B	—
Operating Cash Flow (USD)	$259.00M	$-290.00M	$-137.00M	$-1.23B	$746.00M	$888.00M	$1.83B	$3.06B	$3.40B	$3.74B	$4.63B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Premiums Earned (USD)	$695.00M	$770.00M	$828.00M	$662.00M	$707.00M	$766.00M	$882.00M	$900.00M	$863.00M	$1.22B	$1.68B	—
Loss Ratio (%) (%)	259.7%	297.9%	323.2%	331.3%	487.0%	745.6%	416.1%	363.6%	421.3%	319.4%	194.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 12 years · 42 quarters

Brighthouse Financial, Inc.

Analytical Summary

12-Year Financial Trajectory

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