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BHF vs BRK-B

BHF
Brighthouse Financial, Inc.
BEARISH
Price
$64.11
Market Cap
$3.67B
Sector
Financial Services
AI Confidence
78%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BHF
4.52
BRK-B
15.46
Forward P/E
BHF
3.07
BRK-B
22.06
P/B Ratio
BHF
0.58
BRK-B
0.0
P/S Ratio
BHF
0.47
BRK-B
2.79
EV/EBITDA
BHF
--
BRK-B
-2.12

Profitability

Gross Margin
BHF
41.3%
BRK-B
26.15%
Operating Margin
BHF
34.02%
BRK-B
32.96%
Profit Margin
BHF
12.35%
BRK-B
18.03%
ROE
BHF
16.18%
BRK-B
9.81%
ROA
BHF
0.73%
BRK-B
5.11%

Growth

Revenue Growth
BHF
-10.1%
BRK-B
-0.7%
Earnings Growth
BHF
219.4%
BRK-B
-2.5%

Financial Health

Debt/Equity
BHF
1.47
BRK-B
0.19
Current Ratio
BHF
1.55
BRK-B
7.07
Quick Ratio
BHF
1.18
BRK-B
6.62

Dividends

Dividend Yield
BHF
--
BRK-B
--
Payout Ratio
BHF
0.0%
BRK-B
0.0%

AI Verdict

BHF BEARISH

The Advanced Deterministic Scorecard reveals significant concerns, with a weak Piotroski F-Score of 3/9 indicating poor financial health, and the absence of an Altman Z-Score prevents a full distress risk assessment. Despite a low P/E of 4.52 and a Price/Book of 0.58 suggesting potential value, the company faces declining revenue (YoY -10.10%) and erratic earnings performance, including large negative surprises. Strong operating margins and ROE of 16.18% are offset by high debt/equity of 1.47 and extremely weak technical and dividend signals. Analysts consensus is a hold, but the stock trades above the conservative Graham Number of $188.54, raising valuation concerns.

Strengths
High operating margin of 34.02% indicates strong cost control and pricing power
ROE of 16.18% exceeds sector average and signals efficient equity utilization
Low P/E ratio of 4.52 and forward P/E of 3.07 suggest deep value pricing
Risks
Piotroski F-Score of 3/9 signals weak financial health and high risk of underperformance
Revenue declining YoY by -10.10% raises sustainability concerns despite earnings growth
Debt/Equity ratio of 1.47 is high, increasing financial risk in rising rate environments
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

BHF vs BRK-B: Head-to-Head Comparison

This page compares Brighthouse Financial, Inc. (BHF) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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