What is Brighthouse Finl Inc's earnings per share (EPS)?

Brighthouse Finl Inc (BHF) reported diluted earnings per share of $5.71 for fiscal year 2025. This represents a 23.1% 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.

Brighthouse Finl Inc Financials

BHF

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Brighthouse Finl Inc (BHF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 11 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).

Rhea AI BHF FY2025 2026-05-07

Brighthouse’s results are shaped by a huge liability-funded balance sheet, where modest asset returns determine reported earnings.

In the latest year, net income of $331M was accompanied by operating cash flow of $259M, a cleaner match than the prior year’s profit-without-cash pattern and a notable break from the earlier mismatch. That matters because $241.8B of assets produced only 0.1% ROA, so earnings quality depends more on cash conversion than on the profit line by itself.

Corporate debt is not the main balance-sheet burden: cash of $5.4B exceeded long-term debt of $3.2B. The tighter constraint is the capital buffer, because liabilities of $235.0B sit on top of only $6.8B of equity, leaving limited room for asset-value swings.

ROE and ROA tell different stories: latest ROE was 4.9% while ROA was only 0.1%. That gap comes from a thin equity layer, which magnifies both recoveries and setbacks and can make modest whole-balance-sheet performance look stronger at the shareholder-return level.

Financial Health Signals

Financial Profile 30/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Brighthouse Finl Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Brighthouse Finl Inc's revenue surged 43.2% year-over-year to $6.8B, reflecting rapid business expansion. This strong growth earns a score of 80/100.

Leverage

Brighthouse Finl Inc carries a low D/E ratio of 0.47, meaning only $0.47 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 93/100, indicating a strong balance sheet with room for future borrowing.

Returns

Brighthouse Finl Inc generates a 4.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 9/100. This is down from 5.8% the prior year.

Piotroski F-Score Neutral

6/9

Brighthouse Finl Inc passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.78x

For every $1 of reported earnings, Brighthouse Finl Inc generates $0.78 in operating cash flow ($259.0M OCF vs $331.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$6.8B

YoY+43.2%

5Y CAGR-4.5%

10Y CAGR-2.7%

Brighthouse Finl Inc generated $6.8B in revenue in fiscal year 2025. This represents an increase of 43.2% from the prior year.

EBITDA

N/A

Net Income

$331.0M

YoY+15.7%

10Y CAGR-11.5%

Brighthouse Finl Inc reported $331.0M in net income in fiscal year 2025. This represents an increase of 15.7% from the prior year.

EPS (Diluted)

$5.71

YoY+23.1%

Brighthouse Finl Inc earned $5.71 per diluted share (EPS) in fiscal year 2025. This represents an increase of 23.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$5.4B

YoY+6.8%

5Y CAGR+5.6%

10Y CAGR+13.1%

Brighthouse Finl Inc held $5.4B in cash against $3.2B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

57M

YoY-2.5%

5Y CAGR-8.3%

Brighthouse Finl Inc had 57M shares outstanding in fiscal year 2025. This represents a decrease of 2.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

4.9%

YoY-1.2pp

5Y CAGR+17.4pp

10Y CAGR-7.7pp

Brighthouse Finl Inc's net profit margin was 4.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.2 percentage points from the prior year.

Return on Equity

4.9%

YoY-0.9pp

5Y CAGR+10.8pp

10Y CAGR-1.8pp

Brighthouse Finl Inc's ROE was 4.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$102.0M

YoY-59.2%

5Y CAGR-26.4%

Brighthouse Finl Inc spent $102.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 59.2% from the prior year.

Capital Expenditures

N/A

BHF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$6.8B+43.2%	$4.7B+14.7%	$4.1B-40.1%	$6.9B+38.1%	$5.0B-41.5%	$8.5B
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$449.0M+10.0%	$408.0M-2.4%	$418.0M+19.1%	$351.0M-8.8%	$385.0M+11.3%	$346.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$152.0M0.0%	$152.0M-0.7%	$153.0M0.0%	$153.0M-6.1%	$163.0M-11.4%	$184.0M
Income Tax	$36.0M+24.1%	$29.0M+107.9%	-$367.0M-143.3%	$848.0M+134.9%	$361.0M+199.4%	-$363.0M
Net Income	$331.0M+15.7%	$286.0M+123.6%	-$1.2B-132.2%	$3.8B+142.9%	$1.6B+246.5%	-$1.1B
EPS (Diluted)	$5.71+23.1%	$4.64+125.2%	$-18.39-135.8%	$51.30+179.0%	$18.39+258.8%	$-11.58

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$1.5B-9.6%	$1.7B-7.0%	$1.8B+108.5%	$871.0M-63.6%	$2.4B+98.3%	$1.2B-40.3%	$2.0B+41.4%	$1.4B
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	$114.0M-1.7%	$116.0M+16.0%	$100.0M-2.9%	$103.0M-20.8%	$130.0M+38.3%	$94.0M-7.8%	$102.0M+1.0%	$101.0M
Operating Income	$324.0M	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%	$38.0M0.0%	$38.0M0.0%	$38.0M
Income Tax	-$222.0M-1950.0%	$12.0M-88.5%	$104.0M+1200.0%	$8.0M+109.1%	-$88.0M-154.3%	$162.0M+1520.0%	$10.0M+150.0%	-$20.0M
Net Income	-$766.0M-2288.6%	$35.0M-92.7%	$479.0M+463.5%	$85.0M+131.7%	-$268.0M-147.1%	$569.0M+223.3%	$176.0M+417.6%	$34.0M
EPS (Diluted)	$-13.82	N/A	$7.89+673.5%	$1.02+120.2%	$-5.04	N/A	$2.47+1958.3%	$0.12

BHF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$241.8B+1.4%	$238.5B+0.9%	$236.3B+5.1%	$224.8B-14.3%	$262.3B+5.8%	$247.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$5.4B+6.8%	$5.0B+31.0%	$3.9B-6.4%	$4.1B-8.0%	$4.5B+8.9%	$4.1B
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$235.0B+0.6%	$233.5B+0.9%	$231.3B+5.5%	$219.2B-13.6%	$253.8B+10.5%	$229.8B
Current Liabilities	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%	$3.2B-8.1%	$3.4B
Total Equity	$6.8B+36.5%	$5.0B+0.3%	$4.9B-10.7%	$5.5B-65.7%	$16.1B-10.4%	$18.0B
Retained Earnings	-$686.0M+38.7%	-$1.1B+25.7%	-$1.5B-281.5%	-$395.0M+90.8%	-$4.3B-700.4%	-$534.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$236.8B-2.1%	$241.8B-1.2%	$244.7B+0.8%	$242.6B+3.4%	$234.7B-1.6%	$238.5B-2.7%	$245.2B+3.3%	$237.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$4.9B-8.9%	$5.4B-18.5%	$6.6B+19.2%	$5.5B+18.7%	$4.7B-7.5%	$5.0B-10.4%	$5.6B+26.8%	$4.4B
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	$231.2B-1.6%	$235.0B-1.4%	$238.3B+0.6%	$236.9B+3.3%	$229.4B-1.8%	$233.5B-2.5%	$239.6B+2.7%	$233.2B
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	$5.6B-17.8%	$6.8B+6.4%	$6.4B+12.2%	$5.7B+8.3%	$5.2B+5.6%	$5.0B-10.2%	$5.5B+33.4%	$4.1B
Retained Earnings	-$1.5B-111.7%	-$686.0M+16.6%	-$823.0M+36.8%	-$1.3B+6.1%	-$1.4B-23.9%	-$1.1B+37.5%	-$1.8B+9.0%	-$2.0B

BHF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$259.0M+189.3%	-$290.0M-111.7%	-$137.0M+88.8%	-$1.2B-291.6%	$641.0M-27.8%	$888.0M
Capital Expenditures	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
Investing Cash Flow	$751.0M+134.2%	-$2.2B+31.4%	-$3.2B+61.4%	-$8.3B+32.4%	-$12.2B-109.4%	-$5.8B
Financing Cash Flow	-$668.0M-118.2%	$3.7B+19.8%	$3.1B-66.4%	$9.1B-23.6%	$12.0B+93.4%	$6.2B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$102.0M-59.2%	$250.0M0.0%	$250.0M-48.8%	$488.0M-2.2%	$499.0M+5.5%	$473.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$221.0M-7266.7%	-$3.0M-102.6%	$117.0M+11800.0%	-$1.0M-100.7%	$146.0M+223.7%	-$118.0M-591.7%	$24.0M-92.8%	$334.0M
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	-$485.0M+62.6%	-$1.3B-194.5%	$1.4B+1125.0%	$112.0M-80.1%	$563.0M+257.7%	-$357.0M-174.6%	-$130.0M+88.0%	-$1.1B
Financing Cash Flow	$226.0M+182.5%	$80.0M+118.9%	-$423.0M-155.5%	$762.0M+170.1%	-$1.1B-888.2%	-$110.0M-108.5%	$1.3B-5.2%	$1.4B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	$0	$0-100.0%	$43.0M-27.1%	$59.0M-1.7%	$60.0M-6.3%	$64.0M0.0%	$64.0M

BHF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	4.9%-1.2pp	6.0%+35.5pp	-29.5%-84.4pp	54.9%+23.7pp	31.2%+43.7pp	-12.5%
Return on Equity	4.9%-0.9pp	5.8%+30.3pp	-24.6%-92.8pp	68.2%+58.6pp	9.6%+15.5pp	-5.9%
Return on Assets	0.1%+0.0pp	0.1%+0.6pp	-0.5%-2.2pp	1.7%+1.1pp	0.6%+1.0pp	-0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.47-0.2	0.640.0	0.64+0.1	0.57+0.4	0.200.0	0.19
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	21.2%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-50.2%-52.2pp	2.1%-24.3pp	26.4%+16.6pp	9.8%+21.0pp	-11.2%-58.4pp	47.2%+38.5pp	8.7%+6.3pp	2.4%
Return on Equity	-13.8%-14.3pp	0.5%-7.0pp	7.5%+6.0pp	1.5%+6.6pp	-5.1%-16.6pp	11.5%+8.3pp	3.2%+2.4pp	0.8%
Return on Assets	-0.3%-0.3pp	0.0%-0.2pp	0.2%+0.2pp	0.0%+0.1pp	-0.1%-0.3pp	0.2%+0.2pp	0.1%+0.1pp	0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.57+0.1	0.47-0.0	0.50-0.1	0.56-0.0	0.60-0.0	0.64+0.1	0.57-0.2	0.76
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Similar Companies

Genworth Finl Inc GNW

$3.6B

F&G Annuities & Life Inc FG

$3.7B

Cno Finl Group Inc CNO

$4.5B

Lincoln Natl Corp Ind LNC

$6.6B

Jackson Financial Inc JXN

$7.7B

Frequently Asked Questions

What is Brighthouse Finl Inc's annual revenue?

Brighthouse Finl Inc (BHF) reported $6.8B in total revenue for fiscal year 2025. This represents a 43.2% 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 43.2% year-over-year, from $4.7B to $6.8B in fiscal year 2025.

Is Brighthouse Finl Inc profitable?

Yes, Brighthouse Finl Inc (BHF) reported a net income of $331.0M in fiscal year 2025, with a net profit margin of 4.9%.

How much debt does Brighthouse Finl Inc have?

As of fiscal year 2025, Brighthouse Finl Inc (BHF) had $5.4B 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 4.9% in fiscal year 2025, 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 4.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Brighthouse Finl Inc's operating cash flow?

Brighthouse Finl Inc (BHF) generated $259.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Brighthouse Finl Inc's total assets?

Brighthouse Finl Inc (BHF) had $241.8B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Brighthouse Finl Inc buy back shares?

Yes, Brighthouse Finl Inc (BHF) spent $102.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Brighthouse Finl Inc have outstanding?

Brighthouse Finl Inc (BHF) had 57M shares outstanding as of fiscal year 2025.

What is Brighthouse Finl Inc's debt-to-equity ratio?

Brighthouse Finl Inc (BHF) had a debt-to-equity ratio of 0.47 as of fiscal year 2025, 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 0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Brighthouse Finl Inc's Piotroski F-Score?

Brighthouse Finl Inc (BHF) has a Piotroski F-Score of 6 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 to 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 0.78x, considered mixed quality. 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.

How financially healthy is Brighthouse Finl Inc?

Brighthouse Finl Inc (BHF) scores 30 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.