Brighthouse Finl Inc Financials
Financial Health Signals
Brighthouse Finl Inc passes 5 of 9 financial strength tests. 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Brighthouse Finl Inc generates $-0.75 in operating cash flow (-$290.0M OCF vs $388.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
This page shows Brighthouse Finl Inc (BHF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Brighthouse Finl Inc generated $4.7B in revenue in fiscal year 2024. This represents an increase of 14.7% from the prior year.
Brighthouse Finl Inc reported $388.0M in net income in fiscal year 2024. This represents an increase of 134.9% from the prior year.
Brighthouse Finl Inc earned $4.64 per diluted share (EPS) in fiscal year 2024. This represents an increase of 125.2% from the prior year.
Brighthouse Finl Inc held $5.0B in cash against $3.2B in long-term debt as of fiscal year 2024.
Brighthouse Finl Inc had 59M shares outstanding in fiscal year 2024. This represents a decrease of 7.7% from the prior year.
Brighthouse Finl Inc's net profit margin was 8.2% in fiscal year 2024, showing the share of revenue converted to profit. This is up 35.2 percentage points from the prior year.
Brighthouse Finl Inc's ROE was 7.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.
Brighthouse Finl Inc spent $250.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 0.0% from the prior year.
BHF Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.8B+108.5% | $871.0M-63.6% | $2.4B+98.3% | $1.2B-15.6% | $1.4B+1828.4% | $74.0M-94.7% | $1.4B+19.7% | $1.2B |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $38.0M0.0% | $38.0M0.0% | $38.0M0.0% | $38.0M0.0% | $38.0M0.0% | $38.0M-2.6% | $39.0M+2.6% | $38.0M |
| Income Tax | $104.0M+1200.0% | $8.0M+109.1% | -$88.0M-154.3% | $162.0M+910.0% | -$20.0M+83.7% | -$123.0M+52.3% | -$258.0M-336.7% | $109.0M |
| Net Income | $479.0M+463.5% | $85.0M+131.7% | -$268.0M-139.9% | $671.0M+1873.5% | $34.0M+106.9% | -$493.0M+46.2% | -$917.0M-291.4% | $479.0M |
| EPS (Diluted) | $7.89+673.5% | $1.02+120.2% | $-5.04-149.1% | $10.27+8458.3% | $0.12+101.5% | $-8.22+44.1% | $-14.70-313.4% | $6.89 |
BHF Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $244.7B+0.8% | $242.6B+3.4% | $234.7B-1.6% | $238.5B+0.5% | $237.4B-0.9% | $239.7B+1.4% | $236.3B+5.7% | $223.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $6.6B+19.2% | $5.5B+18.7% | $4.7B-7.5% | $5.0B+13.6% | $4.4B+16.2% | $3.8B-0.7% | $3.9B+0.3% | $3.8B |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $238.3B+0.6% | $236.9B+3.3% | $229.4B-1.8% | $233.5B+0.1% | $233.2B-0.9% | $235.4B+1.8% | $231.3B+5.4% | $219.4B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $3.2B0.0% | $3.2B0.0% | $3.2B0.0% | $3.2B0.0% | $3.2B0.0% | $3.2B0.0% | $3.2B0.0% | $3.2B |
| Total Equity | $6.4B+12.2% | $5.7B+8.3% | $5.2B+5.6% | $5.0B+19.8% | $4.1B-1.3% | $4.2B-15.1% | $4.9B+21.5% | $4.1B |
| Retained Earnings | -$823.0M+36.8% | -$1.3B+6.1% | -$1.4B-23.9% | -$1.1B+43.1% | -$2.0B+1.7% | -$2.0B-32.7% | -$1.5B-155.4% | -$590.0M |
BHF Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $117.0M+11800.0% | -$1.0M-100.7% | $146.0M+223.7% | -$118.0M-135.3% | $334.0M+163.0% | -$530.0M-448.7% | $152.0M-55.2% | $339.0M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | $1.4B+1125.0% | $112.0M-80.1% | $563.0M+257.7% | -$357.0M+67.0% | -$1.1B-73.1% | -$625.0M-13.2% | -$552.0M+44.0% | -$985.0M |
| Financing Cash Flow | -$423.0M-155.5% | $762.0M+170.1% | -$1.1B-888.2% | -$110.0M-108.1% | $1.4B+21.2% | $1.1B+173.5% | $412.0M-44.9% | $748.0M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $0-100.0% | $43.0M-27.1% | $59.0M-1.7% | $60.0M-6.3% | $64.0M+3.2% | $62.0M+3.3% | $60.0M-6.3% | $64.0M |
BHF Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 26.4%+16.6pp | 9.8%+21.0pp | -11.2%-66.9pp | 55.7%+53.3pp | 2.4%+668.6pp | -666.2%-600.7pp | -65.5%-106.4pp | 40.9% |
| Return on Equity | 7.5%+6.0pp | 1.5% | N/A | 13.5%+12.7pp | 0.8% | N/A | N/A | 11.8% |
| Return on Assets | 0.2%+0.2pp | 0.0%+0.1pp | -0.1%-0.4pp | 0.3%+0.3pp | 0.0%+0.2pp | -0.2%+0.2pp | -0.4%-0.6pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.50-0.1 | 0.56-0.0 | 0.60-0.0 | 0.64-0.1 | 0.760.0 | 0.75+0.1 | 0.64-0.1 | 0.78 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is Brighthouse Finl Inc's annual revenue?
Brighthouse Finl Inc (BHF) reported $4.7B in total revenue for fiscal year 2024. This represents a 14.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Brighthouse Finl Inc's revenue growing?
Brighthouse Finl Inc (BHF) revenue grew by 14.7% year-over-year, from $4.1B to $4.7B in fiscal year 2024.
Is Brighthouse Finl Inc profitable?
Yes, Brighthouse Finl Inc (BHF) reported a net income of $388.0M in fiscal year 2024, with a net profit margin of 8.2%.
What is Brighthouse Finl Inc's earnings per share (EPS)?
Brighthouse Finl Inc (BHF) reported diluted earnings per share of $4.64 for fiscal year 2024. This represents a 125.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Brighthouse Finl Inc have?
As of fiscal year 2024, Brighthouse Finl Inc (BHF) had $5.0B in cash and equivalents against $3.2B in long-term debt.
What is Brighthouse Finl Inc's net profit margin?
Brighthouse Finl Inc (BHF) had a net profit margin of 8.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Brighthouse Finl Inc's return on equity (ROE)?
Brighthouse Finl Inc (BHF) has a return on equity of 7.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Brighthouse Finl Inc's operating cash flow?
Brighthouse Finl Inc (BHF) generated -$290.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Brighthouse Finl Inc's total assets?
Brighthouse Finl Inc (BHF) had $238.5B in total assets as of fiscal year 2024, including both current and long-term assets.
Does Brighthouse Finl Inc buy back shares?
Yes, Brighthouse Finl Inc (BHF) spent $250.0M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Brighthouse Finl Inc have outstanding?
Brighthouse Finl Inc (BHF) had 59M shares outstanding as of fiscal year 2024.
What is Brighthouse Finl Inc's debt-to-equity ratio?
Brighthouse Finl Inc (BHF) had a debt-to-equity ratio of 0.64 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Brighthouse Finl Inc's return on assets (ROA)?
Brighthouse Finl Inc (BHF) had a return on assets of 0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Brighthouse Finl Inc's cash runway?
Based on fiscal year 2024 data, Brighthouse Finl Inc (BHF) had $5.0B in cash against an annual operating cash burn of $290.0M. This gives an estimated cash runway of approximately 209 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Brighthouse Finl Inc's Piotroski F-Score?
Brighthouse Finl Inc (BHF) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Brighthouse Finl Inc's earnings high quality?
Brighthouse Finl Inc (BHF) has an earnings quality ratio of -0.75x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.