📊 AI Stock Rating — Summary

For Q3 2025, BHF reported revenue of $1.708 billion, a net income of $479 million, and an EPS of $7.93. The company achieved a net margin of 28%, with free cash flow standing at $117 million. The year-over-year revenue and net income growth trends were positive but not provided precisely. BHF maintained strong financial resilience with negative net debt of $3.451 billion and a solid cash position of $6.606 billion. The company's capital allocation strategy focused on shareholder returns, evidenced by $102 million spent on stock repurchases and $26 million in dividends paid. Although free cash flow was less than operating cash flow due to minimal capital expenditure, this suggests efficient cash management. Analyst price targets suggest the potential for further upside, ranging between $53 and $70 per share, with a consensus of $59.33, indicating optimism towards BHF's future performance.

AI Score Breakdown

Revenue Growth — Score: 6/10

Revenue was $1.708 billion, with positive growth trends observed. However, specific year-over-year growth rates were not disclosed. Revenue stability remains robust, primarily driven by core business operations.

Profitability — Score: 8/10

BHF's profitability is strong with a 28% net margin and EPS of $7.93. This reflects high operational efficiency and effective cost management.

Cash Flow Quality — Score: 7/10

Free cash flow of $117 million aligns with operating cash flow, indicating solid liquidity. The firm prioritizes shareholder returns via buybacks, with stable cash generation enhancing financial flexibility.

Leverage & Balance Sheet — Score: 9/10

With net debt of -$3.451 billion and substantial cash reserves, BHF demonstrates robust financial health and resilience, bolstering its capability to manage liabilities.

Shareholder Returns — Score: 5/10

Despite dividends of $26 million and $102 million in buybacks, the actual price performance data over the last year is absent thus this neutral score reflects stable but unquantified shareholder value creation.

Analyst Sentiment & Valuation — Score: 7/10

Analyst price targets, ranging from $53 to $70, suggest potential upside. BHF appears fairly valued, with a consensus target of $59.33 indicating room for price appreciation based on future market conditions.

⚠ AI-generated — informational only, not financial advice.