Brighthouse Financial, Inc.
Brighthouse Financial, Inc. is classed by the SEC under Life Insurance (industry code 6311), based in Charlotte, NC. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $6.8 billion and a profit of $331 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6311, Life Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.7 out of ten, 8 of 9 metrics filed and 1 estimated: past 7.1 out of ten, present 5.0 out of ten, future 4.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.1 out of ten. No warning events in its filings since 2017. 61st percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.2 out of ten. +9.4% a year over 10 filed years; profitable in 5 of 10. 42nd percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 9.1 out of ten. CrossAssetData estimate 9.1/10, confidence 35 of 100 (one part). 91st percentile among 18 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 4.1 out of ten. ROE 6%: 6¢ of profit per shareholder dollar. Leverage 97%: owes 97¢ per asset dollar. 41st percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 4.8 out of ten. bottom 48% of 18 in its family; net margin 6.5%. 48th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 7.3 out of ten. top 27% of 13 in its family for leadership; chief executive since 2017. 73rd percentile among 13 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 3.7 out of ten. bottom 37% of 16 in its family for room to expand. 37th percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.3 out of ten. top 47% of 18 in its family for growth drivers. 53rd percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.9 out of ten. bottom 49% of 18 in its family for expectations against reality. 49th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-24 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 3, 2026-09-03. Filings on record since 2016. Read from EDGAR 2026-10-12.
Who runs it
Steigerwalt, Eric T (President and CEO); Spehar, Edward A. (EVP & Chief Financial Officer); Lambert, Myles (EVP, Chief Operating Officer); Cook, Richard A. (Chief Accounting Officer); Pavlovich, Melissa B. (Chief Accounting Officer); Huss, Vonda (EVP & Chief HR Officer); Rosenthal, John (EVP & Chief Investment Officer); Lin, Allie (EVP & General Counsel); Chaplin, C Edward (director); Hooley, Stephen C (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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