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Brighthouse Financial

BHF Nasdaq Life & Health Insurance Financials FY2016–FY2025

Brighthouse Financial had $6.8B of revenue in fiscal 2025, up 43.2% on the year before. Over five years, revenue changed βˆ’4.5% a year on average.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$45.41

2.0%
Value it Compare

What Brighthouse Financial does

BHF Β· Life & Health Insurance

No business description yet.

Legal name
Brighthouse Financial, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
β€”
Accession Β· CIK
0001685040-26-000011
0001685040
Charts by

KIRA’s summary AI analyst

Hi! I read Brighthouse Financial’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • Brighthouse Financial had $6.8B of revenue in fiscal 2025, up 43.2% on the year before. Over five years, revenue changed βˆ’4.5% a year on average.
  • Brighthouse Financial made $433M of net profit in fiscal 2025.

4.Price and value

See section β†’
  • At $45.41 a share, the company is worth $2.6B: 3.6 times its earnings of the last four quarters.
  • Brighthouse Financial grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 0 of 4.

Brighthouse Financial in 30 seconds

Good So-so Weak

Good

Are sales growing?

+43.2%

Yes. Sales grew 43.2% last year.

So-so

Does it make a profit?

6.4%

A little. It keeps 6.4% of every sale as profit.

For information

How is the share priced?

3.6x

One share costs 3.6 times its yearly profit per share. Typical for its sector: 13.7x.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$2.6B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
3.6x
On $12.53 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· Brighthouse Financial had $6.8B of revenue in fiscal 2025, up 43.2% on the year before. Over five years, revenue changed βˆ’4.5% a year on average.

See the full section β†’

Operating margin

Operating income as a share of revenue.

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Brighthouse Financial made $433M of net profit in fiscal 2025.

See the full section β†’

Free cash flow

Cash from operations minus capital spending.

See the full section β†’

Return on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

See the full section β†’

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Brighthouse Financial did it, and the next one. Share prices often move a lot on those days.

Next results

November 5, 2026

Thursday Β· in 11 days

Time
Time not announced
Covers
Period ended Sep 30, 2026
Expected EPS
$5.03
Source
Earnings calendar
Date Results for Time Source
Aug 5, 2026 Q2 '26 After the market closes 8-K β†—
May 6, 2026 Q1 '26 After the market closes 8-K β†—
Feb 23, 2026 Q4 '25 After the market closes 8-K β†—
Nov 6, 2025 Q3 '25 After the market closes 8-K β†—
Aug 7, 2025 Q2 '25 After the market closes 8-K β†—
May 8, 2025 Q1 '25 After the market closes 8-K β†—
Feb 11, 2025 Q4 '24 After the market closes 8-K β†—
Nov 7, 2024 Q3 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· Brighthouse Financial had $6.8B of revenue in fiscal 2025, up 43.2% on the year before. Over five years, revenue changed βˆ’4.5% a year on average.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

KIRA Β· Brighthouse Financial made $433M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income
Net income
Diluted EPS
Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Cash flow

Cash from operations minus capital spending.

In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.

Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

KIRA Β· Brighthouse Financial returned $102M to shareholders in fiscal 2025. The diluted share count fell 5.9%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Insider trades

KIRA Β· No open-market insider trades in the last 12 months.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

No open-market insider trades in the last 12 months.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

KIRA Β· Brighthouse Financial has $3.4B more cash than debt.

Cash, debt and the ratios that show how comfortably Brighthouse Financial can carry it.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $6.3B$5.2B$5.0B$6.9B$6.6B
Debt incl. finance leases $3.2B$3.2B$3.2B$3.2B$3.2B
Debt / equity 0.2xβ€”β€”β€”β€”
Interest coverage 13.3x31.9xβˆ’8.6x3.8x4.1x
Total assets $262.3B$224.8B$236.3B$238.5B$241.8B
Total liabilities $253.8B$219.2B$231.3B$233.5B$235.0B
Shareholders' equity $16.1B$5.5B$4.9B$5.0B$6.8B
Net debt (βˆ’ = net cash) βˆ’$3.2Bβˆ’$2.0Bβˆ’$1.9Bβˆ’$3.8Bβˆ’$3.4B

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.

TestFY23FY24FY25
Net income is positive βœ• βœ“ βœ“
Cash from operations is positive βœ• βœ• βœ“
Return on assets rose βœ• βœ“ βœ“
Cash from operations exceeds net income βœ“ βœ• βœ•
Debt fell relative to assets βœ• βœ“ βœ“
Current ratio rose β€” β€” β€”
Share count didn't rise βœ“ βœ“ βœ“
Gross margin rose β€” β€” β€”
Revenue rose relative to assets βœ• βœ“ βœ“
F-score β€” / 9β€” / 9β€” / 9
Accruals ratio βˆ’0.4%0.3%0.1%
Altman Z'' β€”β€”β€”

Price and value

What does the share cost, and how does it compare?

Value Brighthouse Financial yourself

KIRA Β· At $45.41 a share, the company is worth $2.6B: 3.6 times its earnings of the last four quarters.

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets β€” the answer depends entirely on what you put in.

In plain words: Move the sliders to try your own guesses about growth. The result is what one share would be worth if those guesses came true. Different guesses give very different answers.

Discounted cash flow

Value per share

β€”

Adds net cash of $3.4B and divides by 57.9M diluted shares. Ten years of cash flows plus a terminal value, discounted to today.

Earnings multiple

Value per share

β€”

Reference multiples: today 3.6x Β· peers 14.7x Β· sector 13.7x.

Similar companies

KIRA Β· Brighthouse Financial grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 0 of 4.

Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.

In plain words: The same numbers for similar companies, so you can tell whether a figure is high or low for this kind of business.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Brighthouse Financial BHF $2.6B 43.2% β€” β€” β€” 3.6x β€”
Globe Life GL $12.2B 3.7% β€” 20.9% 16.0% 10.3x β€” Compare β†’
CNO Financial Group CNO $5.1B 0.9% 12.3% β€” β€” 18.4x β€” Compare β†’
Unum UNM $14.4B 1.5% β€” 4.3% 7.6% 21.0x β€” Compare β†’
Primerica PRI $8.6B 6.6% β€” β€” 34.5% 11.0x β€” Compare β†’

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $3.0B $6.8B $9.0B $6.6B $8.5B $5.0B $6.9B $4.1B $4.7B $6.8B
Interest expense $133M $135M $158M $191M $184M $163M $153M $153M $152M $152M
Pretax income βˆ’$4.7B βˆ’$615M $989M βˆ’$1.1B βˆ’$1.4B $2.0B $4.7B βˆ’$1.5B $422M $474M
Income tax βˆ’$1.8B βˆ’$237M $119M βˆ’$317M βˆ’$363M $361M $848M βˆ’$367M $29.0M $36.0M
Net income βˆ’$2.9B βˆ’$378M $865M βˆ’$740M βˆ’$1.1B $1.6B $3.9B βˆ’$1.1B $388M $433M
Diluted EPS βˆ’$24.54 βˆ’$3.16 $7.21 βˆ’$6.76 βˆ’$11.58 $18.39 $51.30 βˆ’$18.39 $4.64 $5.71
Diluted shares 0.12B 0.12B 0.12B 0.11B 0.10B 0.08B 0.07B 0.07B 0.06B 0.06B
Cash flow
Cash from operations $3.7B $3.4B $3.1B $1.8B $888M $641M βˆ’$1.2B βˆ’$137M βˆ’$290M $259M
Stock-based compensation β€” β€” β€” $21.0M $21.0M $23.0M $22.0M $29.0M $23.0M $42.0M
Acquisitions $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Share buybacks $0.0M $0.0M $105M $442M $473M $499M $488M $250M $250M $102M
Dividends paid $556M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Dividends and buybacks $556M $0.0M $105M $442M $473M $499M $488M $250M $250M $102M
Balance sheet
Cash and short-term investments $6.5B $2.2B $4.1B $4.8B $7.4B $6.3B $5.2B $5.0B $6.9B $6.6B
Total debt $1.9B $3.6B $4.0B $4.4B $3.4B $3.2B $3.2B $3.2B $3.2B $3.2B
Finance lease liabilities $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Inventory $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $221.9B $224.2B $206.3B $227.3B $247.9B $262.3B $224.8B $236.3B $238.5B $241.8B
Total liabilities $207.1B $209.6B $191.8B $211.0B $229.8B $253.8B $219.2B $231.3B $233.5B $235.0B
Shareholders' equity $14.9B $14.5B $14.4B $16.2B $18.0B $16.1B $5.5B $4.9B $5.0B $6.8B
Margins
Net margin βˆ’97.4% βˆ’5.5% 9.7% βˆ’11.3% βˆ’12.5% 33.0% 56.4% βˆ’27.0% 8.2% 6.4%
Returns
Return on equity β€” βˆ’2.6% 6.0% βˆ’4.8% βˆ’6.2% 9.6% β€” β€” β€” β€”
Return on assets β€” βˆ’0.2% 0.4% βˆ’0.3% βˆ’0.5% 0.6% 1.6% βˆ’0.5% 0.2% 0.2%
Growth
Revenue growth βˆ’66.1% 126.7% 31.0% βˆ’26.9% 29.7% βˆ’41.5% 38.1% βˆ’40.1% 14.7% 43.2%
Net income growth βˆ’362.7% β€” β€” βˆ’185.6% β€” β€” 136.1% βˆ’128.7% β€” 11.6%
EPS growth β€” β€” β€” βˆ’193.8% β€” β€” 179.0% βˆ’135.9% β€” 23.1%
Share count change β€” 0.0% 0.1% βˆ’6.1% βˆ’15.3% βˆ’11.4% βˆ’12.9% βˆ’10.3% βˆ’6.7% βˆ’5.9%
Financial health
Debt / equity 0.1x 0.3x 0.3x 0.3x 0.2x 0.2x β€” β€” β€” β€”
Interest coverage βˆ’34.4x βˆ’3.6x 7.3x βˆ’4.5x βˆ’6.7x 13.3x 31.9x βˆ’8.6x 3.8x 4.1x
Capital allocation
Stock comp / revenue β€” β€” β€” 0.3% 0.3% 0.5% 0.3% 0.7% 0.5% 0.6%
Quality scores
Accruals ratio β€” βˆ’1.7% βˆ’1.0% βˆ’1.2% βˆ’0.8% 0.4% 2.1% βˆ’0.4% 0.3% 0.1%

Source: SEC EDGAR XBRL filings (CIK 0001685040). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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