Brighthouse Financial

BHF

Insurance - Life · Financial Services

Price

$65.61

+0.12 (+0.18%)

Market Cap

$3.77B

Exchange

NASDAQ

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Share count falling — buybacks

−32.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 84.5M (2021) → 57.2M (2025)

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 prot

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-39.7% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-172.2% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~6 years

$4.9B cash & investments

Quarterly Free Cash Flow

$4.9B cash & investments at current burn rate

Revenue declining

Brighthouse Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

54.4%

Healthy — 54.4% gross margin

Operating Margin

-70.5%

Losing money on operations — -70.5%

ROCE

-11.3%

Weak — -11.3% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-18.5%

Shrinking sales (-18.5% YoY)

EPS YoY

-132.3%

Earnings shrinking (-132.3% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-8.6%

Burning cash (-8.6%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.57

Conservative — low debt load (0.57)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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