Brighthouse Financial

BHF

Insurance - Life · Financial Services

Price

$52.27

-0.95 (-1.79%)

Market Cap

$3.00B

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Good

Cash Flow

Weak

Stability

Strong

Valuation

Strong

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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)

Winston Score History

The full picture

Brighthouse Financial is a life insurance and annuity company based in the United States. It sells products like term life insurance, universal life insurance, and annuities — financial contracts that pay people a steady income, often during retirement. The company's main customers are individual Americans planning for retirement, and it distributes its products through independent financial advisors and brokers rather than its own sales force.

Brighthouse makes money by collecting premiums and fees from policyholders, then investing that money to earn returns. It operates entirely in the U.S. and is one of the largest providers of annuities in the country, having been spun off from MetLife in 2017. The company's competitive position depends heavily on its ability to manage investment risk and meet future policyholder obligations, and its negative operating margin highlights how sensitive the business is to interest rate swings and market volatility — both of which remain key ongoing risks.

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

+105.3% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

$132.1B cash & investments at current burn rate

Strong grower

Brighthouse Financial is growing revenue at 105% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

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

Profit per sale

Gross Margin

63.6%

Premium pricing power — 63.6% gross margin

Profit after running costs

Operating Margin

75.6%

Excellent — 75.6% operating margin

Return on the money invested

ROCE

10.0%

Below par — 10.0% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+2.2%

Nearly flat sales (+2.2% YoY)

Profit growth

EPS YoY

+33.9%

Earnings growing fast (+33.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

-108%

Weak — only -108% of profit becomes cash

Spare cash per sale

FCF Margin

-14.3%

Burning cash (-14.3%)

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

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Stability

What it owes vs what it owns

Debt / Equity

0.48

Conservative — low debt load (0.48)

Covers its interest

Interest Cover

6.41x

Adequate interest coverage (6.4x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

4.1x

Attractive valuation — P/E 4.1

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+1.3

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Not applicable for this business.

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