Brighthouse Financial vs Primerica
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The short version
- Brighthouse Financial is the larger business, with $6.8B of revenue in fiscal 2025 against $3.3B for Primerica, about 2.1 times as much.
- Brighthouse Financial grew revenue faster (43.2%, against 6.6%).
- Investors pay more for each dollar of Primericaβs earnings: a P/E of 11.0x against 3.6x for Brighthouse Financial.
| Latest fiscal year | BHF Β· FY25 | PRI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $2.6B | $8.6B |
| Revenue | $6.8B | $3.3B |
| Free cash flow | β | β |
| Net income | $433M | $751M |
| Growth | ||
| Revenue growth | 43.2% | 6.6% |
| 5-year growth | β4.5% | 8.2% |
| Share count change | β5.9% | β4.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 6.4% | 22.8% |
| FCF margin | β | β |
| Return on capital | β | 34.5% |
| Return on equity | β | 31.9% |
| Balance sheet | ||
| Net debt | β$3.4B | β$160M |
| Net debt / EBITDA | β | β0.2x |
| Dividends and buybacks | $102M | $586M |
| Valuation & quality | ||
| P/E | 3.6x | 11.0x |
| Piotroski F-score | β | β |
Revenue
FY16
BHF $3.0B
PRI $1.5B
FY17
BHF $6.8B
PRI $1.7B
FY18
BHF $9.0B
PRI $1.9B
FY19
BHF $6.6B
PRI $2.1B
FY20
BHF $8.5B
PRI $2.2B
FY21
BHF $5.0B
PRI $2.7B
FY22
BHF $6.9B
PRI $2.7B
FY23
BHF $4.1B
PRI $2.7B
FY24
BHF $4.7B
PRI $3.1B
FY25
BHF $6.8B
PRI $3.3B
BHF
PRI
Operating margin
FY16
BHF β
PRI β
FY17
BHF β
PRI β
FY18
BHF β
PRI β
FY19
BHF β
PRI β
FY20
BHF β
PRI β
FY21
BHF β
PRI β
FY22
BHF β
PRI β
FY23
BHF β
PRI β
FY24
BHF β
PRI β
FY25
BHF β
PRI β
BHF
PRI
Free cash flow
FY16
BHF β
PRI β
FY17
BHF β
PRI β
FY18
BHF β
PRI β
FY19
BHF β
PRI β
FY20
BHF β
PRI β
FY21
BHF β
PRI β
FY22
BHF β
PRI β
FY23
BHF β
PRI β
FY24
BHF β
PRI β
FY25
BHF β
PRI β
BHF
PRI
Return on capital
FY16
BHF β
PRI 17.3%
FY17
BHF β
PRI 26.0%
FY18
BHF β
PRI 22.5%
FY19
BHF β
PRI 23.3%
FY20
BHF β
PRI 23.8%
FY21
BHF β
PRI β
FY22
BHF β
PRI 37.1%
FY23
BHF β
PRI 29.6%
FY24
BHF β
PRI 34.9%
FY25
BHF β
PRI 34.5%
BHF
PRI
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.