1.25%
29.11%
31.13%
24.37%
19.81%
13.91%
59.45%
AI Spotlight on BHF
Company Description
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 provides term, universal, whole, and variable life policies for policyholders' needs for financial security and protected wealth transfer.The Run-off segment manages structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements, and universal life with secondary guarantees.
The company was incorporated in 2016 and is based in Charlotte, North Carolina.
Market Data
| Last Price | 62.02 |
| Change Percentage | 1.25% |
| Open | 61 |
| Previous Close | 61.26 |
| Market Cap ( Millions) | 3681 |
| Volume | 1055298 |
| Year High | 64 |
| Year Low | 40 |
| M A 50 | 50.0 |
| M A 200 | 46.8 |
Financial Ratios
| FCF Yield | 0.76% |
| Dividend Yield | 0.00% |
| ROE | -25.53% |
| Debt / Equity | 57.10% |
| Net Debt / EBIDTA | 193.36% |
| Price To Book | 0.68 |
| Price Earnings Ratio | -3.13 |
| Price To FCF | 131.48 |
| Price To sales | 0.87 |
| EV / EBITDA | -0.94 |
News
- Jan -29 - Brighthouse Financial (BHF) Surges 14.2%: Is This an Indication of Further Gains?
- Jan -28 - U.S. insurer Brighthouse Financial exploring sale, source says
- Jan -28 - Is M&A Back? This Financial Company Is Looking to Sell Itself
- Jan -14 - Report on Carbios' liquidity contract with Natixis ODDO BHF
- Jan -14 - BHF Stock Trading at Discount to Industry at 0.49X: Time to Buy?
- Jan -10 - AM Best Revises Issuer Credit Rating Outlook to Negative for Brighthouse Financial, Inc. and Its Subsidiaries
- Jan -06 - Dassault Systèmes : Half-year statement of the Liquidity contract entered into with Oddo BHF SCA
- Jan -03 - Coface SA: Half-year statement of the liquidity agreement of COFACE SA with ODDO BHF
- Nov -15 - Brighthouse Financial Announces Preferred Stock Dividends and Related Depositary Share Distributions
- Nov -14 - Brighthouse Financial: Capital Generation Remains Concerning
- Nov -08 - Brighthouse Financial Announces Completion of Reinsurance Transaction
- Nov -08 - Brighthouse Q3 Earnings and Revenues Miss, Expenses Rise Y/Y
- Nov -08 - Brighthouse Financial, Inc. (BHF) Q3 2024 Earnings Call Transcript
- Nov -08 - Brighthouse Financial (BHF) Reports Q3 Earnings: What Key Metrics Have to Say
- Nov -08 - Brighthouse Financial (BHF) Misses Q3 Earnings and Revenue Estimates
- Nov -06 - Unveiling Brighthouse Financial (BHF) Q3 Outlook: Wall Street Estimates for Key Metrics
- Oct -16 - 5 Life Insurance Stocks to Buy Despite Fed's Interest Rate Cut
- Oct -11 - Will Brighthouse Financial (BHF) Beat Estimates Again in Its Next Earnings Report?
- Oct -09 - All You Need to Know About Brighthouse Financial (BHF) Rating Upgrade to Buy
- Oct -09 - Is the Options Market Predicting a Spike in Brighthouse Financial (BHF) Stock?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Annuities
Expected Growth : 4.65 %
What the company do ?
Brighthouse Financial's annuities provide a steady income stream for life or a set period, helping retirees manage their finances and achieve long-term financial security.
Why we expect these perspectives ?
Strong sales momentum driven by Brighthouse Financial's diversified distribution channels, increasing demand for retirement savings products, and competitive product offerings. Additionally, the company's focus on digital transformation and cost savings initiatives have improved operational efficiency, contributing to the 4.65% growth rate.
Segment n°2 -> Adjustments
Expected Growth : 4.83 %
What the company do ?
Adjustments from Brighthouse Financial, Inc. refer to changes made to insurance policies, such as premium rate revisions or coverage modifications, affecting policyholders' benefits.
Why we expect these perspectives ?
The 4.83% growth is driven by Brighthouse Financial, Inc.'s successful execution of its strategic initiatives, including expansion of its annuity business, growth in life insurance premiums, and effective cost management. Additionally, the company's focus on digital transformation and investments in technology have improved operational efficiency, contributing to the strong growth.
Segment n°3 -> Run-off
Expected Growth : 4.83 %
What the company do ?
Run-off from Brighthouse Financial, Inc. refers to the discontinued or non-core businesses separated from MetLife, now managed by Brighthouse Financial, Inc. for a smooth transition.
Why we expect these perspectives ?
The 4.83% growth in Run-off from Brighthouse Financial, Inc. is driven by a combination of factors, including a favorable interest rate environment, effective risk management, and a disciplined approach to capital allocation. Additionally, the company's focus on expense management and operational efficiency has contributed to the growth.
Segment n°4 -> Life
Expected Growth : 4.73 %
What the company do ?
Life from Brighthouse Financial, Inc. offers a range of life insurance products, including term life, whole life, and universal life insurance, to help individuals and families achieve their long-term financial goals.
Why we expect these perspectives ?
Brighthouse Financial's Life segment growth of 4.73% is driven by increasing demand for term life insurance, expansion of Shield Level Term product, and growth in annuity sales. Additionally, the company's focus on digital transformation, improved customer experience, and strategic partnerships have contributed to the segment's growth.
Segment n°5 -> Corporate & Other
Expected Growth : 4.77 %
What the company do ?
Corporate & Other from Brighthouse Financial, Inc. refers to the company's headquarters and other miscellaneous operations not attributed to its insurance segments.
Why we expect these perspectives ?
The 4.77% growth in Corporate & Other segment of Brighthouse Financial, Inc. is driven by effective expense management, improved investment returns, and a favorable impact from hedging activities. Additionally, the company's focus on reducing debt and optimizing its capital structure has also contributed to this growth.
Brighthouse Financial, Inc. Products
| Product Range | What is it ? |
|---|---|
| Term Life Insurance | Provides temporary life insurance coverage for a specified period of time (e.g., 10, 20, or 30 years) with a fixed premium rate. |
| Whole Life Insurance | Offers permanent life insurance coverage with a cash value component that grows over time, providing a guaranteed death benefit and a guaranteed cash value. |
| Universal Life Insurance | Combines a death benefit with a savings component, allowing flexible premium payments and adjustable coverage amounts. |
| Indexed Universal Life Insurance | Combines a death benefit with a savings component that earns interest based on the performance of a specific stock market index. |
| Fixed Annuities | Provides a guaranteed rate of return for a fixed period of time, with the option to convert to a lifetime income stream. |
| Variable Annuities | Combines a death benefit with a savings component that allows investments in a variety of assets, with the potential for tax-deferred growth. |
Brighthouse Financial, Inc.'s Porter Forces
Threat Of Substitutes
Brighthouse Financial, Inc. operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand recognition and diversified product offerings mitigate the threat of substitutes to some extent.
Bargaining Power Of Customers
Brighthouse Financial, Inc. has a large customer base, and individual customers have limited bargaining power. However, the company operates in a highly competitive industry, and customers can easily switch to competitors' products, giving them significant bargaining power.
Bargaining Power Of Suppliers
Brighthouse Financial, Inc. has a diversified supplier base, and no single supplier has significant bargaining power over the company. The company's large scale of operations also gives it negotiating power over its suppliers.
Threat Of New Entrants
The life insurance industry has high barriers to entry, including significant capital requirements and regulatory hurdles. While new entrants are possible, they would face significant challenges in competing with established players like Brighthouse Financial, Inc.
Intensity Of Rivalry
The life insurance industry is highly competitive, with many established players competing for market share. Brighthouse Financial, Inc. faces intense competition from rivals, which can lead to pricing pressure and higher marketing expenses.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 58.66% |
| Debt Cost | 6.46% |
| Equity Weight | 41.34% |
| Equity Cost | 9.69% |
| WACC | 7.79% |
| Leverage | 141.92% |
Brighthouse Financial, Inc. : Quality Control
Brighthouse Financial, Inc. passed 1 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PRI | Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings … |
| AEL | American Equity Investment Life Holding Company, through its subsidiaries, provides life insurance products in the United States. The company issues fixed index and rate annuities, as well as single premium … |
| GNW | Genworth Financial, Inc. provides insurance products in the United States and internationally. The company operates in three segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment offers mortgage insurance … |
| FG | F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients. The company was founded in 1959 … |
| GL | Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Primerica
A-Score
1-Year Total Return ->
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American Equity
A-Score
1-Year Total Return ->
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Genworth Financial
A-Score
1-Year Total Return ->
4
F&G Annuities & Life
A-Score
1-Year Total Return ->
5
Globe Life
A-Score
1-Year Total Return ->
6
