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Upturn AI SWOT - About
Brighthouse Financial Inc (BHFAL)
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Upturn Advisory Summary
04/01/2025: BHFAL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -10.87% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.30B USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 29957 | Beta - | 52 Weeks Range 20.28 - 24.61 | Updated Date 04/1/2025 |
52 Weeks Range 20.28 - 24.61 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 6.06% | Basic EPS (TTM) - |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Brighthouse Financial Inc
Company Overview
History and Background
Brighthouse Financial, Inc. (BHF) was established in 2017 as a spin-off from MetLife. It focuses on providing life insurance and annuity products. The company inherited a significant portion of MetLife's U.S. retail business.
Core Business Areas
- Annuities: Offers a range of annuity products, including fixed, variable, and indexed annuities, designed to provide income and investment solutions for retirement.
- Life Insurance: Provides life insurance products, including term, whole, and universal life insurance policies, offering financial protection to beneficiaries in the event of the insured's death.
- Run-off Segment: Includes products and related operations that Brighthouse no longer actively sells, such as certain variable annuity contracts with guaranteed minimum benefits.
Leadership and Structure
The CEO is Eric Steigerwalt. Brighthouse Financial has a standard corporate structure with various executive vice presidents heading different business units and functional areas. The company has a board of directors that oversees its operations.
Top Products and Market Share
Key Offerings
- Shield Level Annuities: A type of indexed annuity providing downside protection with the opportunity for market-linked growth. While specific market share data is dynamic and not consistently reported, Brighthouse is a major player in the indexed annuity market. Competitors include Athene, Lincoln National, and Equitable.
- Premier Accumulator Variable Annuity: A variable annuity product offering investment options and tax-deferred growth potential. Market share fluctuates, but Brighthouse is a significant participant. Competitors include Prudential, Jackson National, and Voya Financial.
- Term Life Insurance: Brighthouse offers term life insurance products that are generally affordable. Market share information is not readily available. Key competitors: Protective, Transamerica, and New York Life
Market Dynamics
Industry Overview
The life insurance and annuity industry is characterized by intense competition, evolving regulatory landscapes, and changing demographic trends. Low interest rates, increased longevity, and fluctuating equity markets impact profitability.
Positioning
Brighthouse Financial is a leading provider of annuities and life insurance. Its competitive advantages include a well-established distribution network, a recognized brand (inherited from MetLife), and a diversified product portfolio.
Total Addressable Market (TAM)
The TAM for annuities and life insurance is estimated to be in the trillions of dollars globally. Brighthouse Financial aims to capture a significant portion of this market by offering innovative products and enhancing its distribution capabilities.
Upturn SWOT Analysis
Strengths
- Strong brand recognition (legacy from MetLife)
- Extensive distribution network
- Diversified product portfolio
- Experienced management team
Weaknesses
- Exposure to market volatility (especially variable annuities)
- Legacy liabilities from MetLife
- Complex regulatory environment
- Interest rate sensitivity
Opportunities
- Growing demand for retirement income solutions
- Expansion into new markets and distribution channels
- Product innovation to meet evolving customer needs
- Technological advancements to improve efficiency
Threats
- Increasing competition from other financial service providers
- Changes in regulatory requirements
- Economic downturns and market volatility
- Rising interest rates impacting annuity sales
Competitors and Market Share
Key Competitors
- LNC
- PRU
- VOYA
- GWO.TO
- MFC
Competitive Landscape
Brighthouse faces intense competition from larger, more diversified financial services companies. Its strengths include its brand recognition and distribution network. Its weaknesses include legacy liabilities and exposure to market volatility.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth has been impacted by market volatility and regulatory changes. The company is focused on managing its legacy liabilities and growing its core annuity and life insurance businesses.
Future Projections: Analyst estimates vary, but generally project moderate growth in revenue and earnings as Brighthouse focuses on product innovation and expense management.
Recent Initiatives: Focusing on digital transformation, developing new annuity products, and managing legacy liabilities.
Summary
Brighthouse Financial is a significant player in the annuity and life insurance market, leveraging its brand and distribution network. However, it faces challenges related to market volatility, legacy liabilities, and increasing competition. The company is focused on product innovation and expense management to drive future growth.
Similar Companies
LNC
Lincoln National Corporation
LNC
Lincoln National Corporation
MFC
Manulife Financial Corp
MFC
Manulife Financial Corp
PRU
Prudential Financial Inc
PRU
Prudential Financial Inc
VOYA
Voya Financial Inc
VOYA
Voya Financial Inc
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, Industry Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary based on source and methodology. Financial data is illustrative and should be verified with official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Brighthouse Financial Inc
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2018-09-14 | CEO - | ||
Sector Other | Industry Other | Full time employees 1260 | Website |
Full time employees 1260 | Website | ||
Brighthouse Financial, Inc. provides a range of annuity and life insurance products in the United States. The company operates through three segments: Annuities, Life, and Run-off. It 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; and term, whole, universal, and variable life insurance products for policyholders' needs for financial security and protected wealth transfer. The company was founded in 2016 and is headquartered in Charlotte, North Carolina.
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