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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Brighthouse Financial's Debt-to-EBITDA or its related term are showing as below:
BHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -525.67 Med: -0.2 Max: 5.5
Current: -525.67
During the past 12 years, the highest Debt-to-EBITDA Ratio of Brighthouse Financial was 5.50. The lowest was -525.67. And the median was -0.20.
BHF's Debt-to-EBITDA is ranked worse than 100% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs BHF: -525.67
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Brighthouse Financial Debt-to-EBITDA Related Terms
Brighthouse Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Brighthouse Financial's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Brighthouse Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Brighthouse Financial Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Brighthouse Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Brighthouse Financial's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Brighthouse Financial (BHF) has a Debt-to-EBITDA of -0.83 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Brighthouse Financial. According to the industry distribution chart, Brighthouse Financial ranks #999999 out of 320 companies in the Insurance industry.
Is Brighthouse Financial's Debt-to-EBITDA too high?
Brighthouse Financial's current Debt-to-EBITDA is -0.83. Based on the distribution chart, Brighthouse Financial ranks #999999 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Brighthouse Financial has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Brighthouse Financial's Debt-to-EBITDA compare to GNW and FG?
According to the Insurance industry distribution chart, Brighthouse Financial ranks #999999 out of 320 companies for Debt-to-EBITDA. This places Brighthouse Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Brighthouse Financial. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Brighthouse Financial's current Debt-to-EBITDA is -0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Brighthouse Financial stock overvalued right now?
Based on GuruFocus' analysis, Brighthouse Financial (BHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $83.64, compared to a current price of $63.65 — trading 23.9% below its estimated fair value. The current Debt-to-EBITDA is -0.83. Brighthouse Financial's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Brighthouse Financial (BHF), the current Debt-to-EBITDA is -0.83 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Brighthouse Financial (BHF) Overvalued in 2026?
Based on GuruFocus' analysis, Brighthouse Financial stock appears to be undervalued.
The current stock price of $63.65 is trading 23.9% below its estimated GF Value™ of $83.64.
GuruFocus considers Brighthouse Financial to be Modestly Undervalued.
Key valuation signals for BHF:
Debt-to-EBITDA: -0.83
GF Value™: $83.64 vs. price of $63.65 (23.9% below fair value)
No single metric tells the full story. See the BHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Brighthouse Financial Inc is a United States-based provider of annuity products and life insurance through independent distribution channels and marketing arrangements with distribution partners. Its segments are: Annuities, that derives majority of the revenue, includes variable, fixed, index-linked, and income annuities; The life segment includes variable, term, universal, and whole life policies; The Run-off segment consists of products that are no longer actively sold and are separately managed, including ULSG, structured settlements, pension risk transfer contracts, certain company-owned life insurance policies and certain funding agreements; and The Corporate & Other segment consists of activities related to funding agreements associated with the company.
75GF Score
Get the complete analysis for BHF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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