Brighthouse Financial vs Unum
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KIRAβs take AI analyst
I put Brighthouse Financial and Unum side by side, using each oneβs latest annual report. Here is what stands out:
- Unum is the larger business, with $13.1B of revenue in fiscal 2025 against $6.8B for Brighthouse Financial, about 1.9 times as much.
- Brighthouse Financial grew revenue faster (43.2%, against 1.5%).
- Investors pay more for each dollar of Unumβs earnings: a P/E of 21.0x against 3.6x for Brighthouse Financial.
Who comes out ahead
Of the 4 measures where higher (or lower) is clearly better, how many each company leads.
Brighthouse Financial
BHF
2/4
Revenue growthNet margin
Unum
UNM
2/4
5-year growthShare count change
Side by side
Best in the row
| Latest fiscal year | BHF FY25 | UNM FY25 |
|---|---|---|
| Size | ||
| Market cap | $2.6B | $14.4B |
| Revenue | $6.8B | $13.1B |
| Free cash flow | β | $555M |
| Net income | $433M | $739M |
| Growth | ||
| Revenue growth | 43.2% | 1.5% |
| 5-year growth | β4.5% | β0.1% |
| Share count change | β5.9% | β8.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 6.4% | 5.7% |
| FCF margin | β | 4.3% |
| Return on capital | β | 7.6% |
| Return on equity | β | 6.7% |
| Balance sheet | ||
| Net debt | β$3.4B | $593M |
| Net debt / EBITDA | β | 0.5x |
| Dividends and buybacks | $102M | $1.3B |
| Valuation & quality | ||
| P/E | 3.6x | 21.0x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
BHF $3.0B
UNM $11.0B
FY17
BHF $6.8B
UNM $11.3B
FY18
BHF $9.0B
UNM $11.6B
FY19
BHF $6.6B
UNM $12.0B
FY20
BHF $8.5B
UNM $13.2B
FY21
BHF $5.0B
UNM $12.0B
FY22
BHF $6.9B
UNM $12.0B
FY23
BHF $4.1B
UNM $12.4B
FY24
BHF $4.7B
UNM $12.9B
FY25
BHF $6.8B
UNM $13.1B
BHF
UNM
Operating margin
FY16
BHF β
UNM β
FY17
BHF β
UNM β
FY18
BHF β
UNM β
FY19
BHF β
UNM β
FY20
BHF β
UNM β
FY21
BHF β
UNM β
FY22
BHF β
UNM β
FY23
BHF β
UNM β
FY24
BHF β
UNM β
FY25
BHF β
UNM β
BHF
UNM
Free cash flow
FY16
BHF β
UNM $1.0B
FY17
BHF β
UNM $1.1B
FY18
BHF β
UNM $1.4B
FY19
BHF β
UNM $1.5B
FY20
BHF β
UNM $350M
FY21
BHF β
UNM $1.3B
FY22
BHF β
UNM $1.3B
FY23
BHF β
UNM $1.1B
FY24
BHF β
UNM $1.4B
FY25
BHF β
UNM $555M
BHF
UNM
Return on capital
FY16
BHF β
UNM 9.7%
FY17
BHF β
UNM 9.9%
FY18
BHF β
UNM 6.1%
FY19
BHF β
UNM 11.1%
FY20
BHF β
UNM 7.8%
FY21
BHF β
UNM 10.9%
FY22
BHF β
UNM 16.7%
FY23
BHF β
UNM 13.1%
FY24
BHF β
UNM 16.6%
FY25
BHF β
UNM 7.6%
BHF
UNM
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.