Brighthouse Financial Stock Beneish M Score

BHFAL Stock  USD 24.27  0.12  0.50%   
This module uses fundamental data of Brighthouse Financial to approximate the value of its Beneish M Score. Brighthouse Financial M Score tells investors if the company management is likely to be manipulating earnings. The score is calculated using eight financial indicators that are adjusted by a specific multiplier. Please note, the M Score is a probabilistic model and cannot detect companies that manipulate their earnings with 100% accuracy. Check out Brighthouse Financial Piotroski F Score and Brighthouse Financial Altman Z Score analysis.
For more information on how to buy Brighthouse Stock please use our How to buy in Brighthouse Stock guide.
  
At this time, Brighthouse Financial's Long Term Debt To Capitalization is quite stable compared to the past year. Total Debt To Capitalization is expected to rise to 0.41 this year, although the value of Short and Long Term Debt Total will most likely fall to about 2.7 B. At this time, Brighthouse Financial's Income Quality is quite stable compared to the past year. Intangibles To Total Assets is expected to rise to 0.02 this year, although the value of PTB Ratio will most likely fall to 0.34.
At this time, it appears that Brighthouse Financial is an unlikely manipulator. The earnings manipulation may begin if Brighthouse Financial's top management creates an artificial sense of financial success, forcing the stock price to be traded at a high price-earnings multiple than it should be. In general, excessive earnings management by Brighthouse Financial executives may lead to removing some of the operating profits from subsequent periods to inflate earnings in the following periods. This way, the manipulation of Brighthouse Financial's earnings can lead to misrepresentations of actual financial condition, taking the otherwise loyal stakeholders on to the path of questionable ethical practices and plain fraud.
-2.43
Beneish M Score - Unlikely Manipulator
Elasticity of Receivables

0.65

Focus
Asset Quality

1.01

Focus
Expense Coverage

0.63

Focus
Gross Margin Strengs

0.89

Focus
Accruals Factor

0.63

Focus
Depreciation Resistance

1.0

Focus
Net Sales Growth

1.43

Focus
Financial Leverage Condition

1.0

Focus

Brighthouse Financial Beneish M-Score Indicator Trends

The cure to earnings manipulation is the transparency of financial reporting. It will typically remove the temptation of the top executives to inflate earnings (i.e., to promote the idea of 'winning at any cost'). Because a healthy internal audit department can enhance transparency, the board should promote the auditors' access to all the record-keeping systems across the enterprise. For example, if Brighthouse Financial's auditors report directly to the board (not management), the managers will be reluctant to manipulate simply due to the fear of punishment. On the other hand, the auditors will be free to investigate the ledgers properly because they know that the board has their back.
Current ValueLast YearChange From Last Year 10 Year Trend
Net Receivables18.4 B19.8 B
Significantly Down
Pretty Stable
Total Revenue5.9 B4.1 B
Significantly Up
Slightly volatile
Total Assets254 B237.2 B
Notably Up
Slightly volatile
Total Current Assets27.4 B28.8 B
Notably Down
Slightly volatile
Non Current Assets Total16.1 M17 M
Notably Down
Pretty Stable
Property Plant Equipment2.9 B2.7 B
Sufficiently Up
Slightly volatile
Selling General Administrative656.2 M730 M
Moderately Down
Pretty Stable
Total Current Liabilities3.9 B3.7 B
Sufficiently Up
Very volatile
Non Current Liabilities Total240 B228.5 B
Sufficiently Up
Slightly volatile
Short Term DebtB3.9 B
Significantly Up
Slightly volatile
Long Term Debt3.7 B3.6 B
Fairly Up
Slightly volatile
Short Term Investments3.8 BB
Notably Down
Slightly volatile
Long Term Investments89.8 B136.8 B
Way Down
Slightly volatile
Gross Profit Margin0.80.9
Fairly Down
Slightly volatile

Brighthouse Financial Beneish M-Score Driver Matrix

One of the toughest challenges investors face today is learning how to quickly synthesize historical financial statements and information provided by the company, SEC reporting, and various external parties in order to detect the potential manipulation of earnings. Understanding the correlation between Brighthouse Financial's different financial indicators related to revenue, expenses, operating profit, and net earnings helps investors identify and prioritize their investing strategies towards Brighthouse Financial in a much-optimized way. Analyzing correlations between earnings drivers directly associated with dollar figures is the most effective way to find Brighthouse Financial's degree of accounting gimmicks and manipulations.

About Brighthouse Financial Beneish M Score

M-Score is one of many grading techniques for value stocks. It was developed by Professor M. Daniel Beneish of the Kelley School of Business at Indiana University and published in 1999 under the paper titled The Detection of Earnings Manipulation. The Beneish score is a multi-factor model that utilizes financial identifiers to compile eight variables used to classify whether a company has manipulated its reported earnings. The variables are built from the officially filed financial statements to create a final score call 'M Score.' The score helps to identify companies that are likely to manipulate their profits if they show deteriorating gross margins, operating expenses, and leverage against growing revenue.

Depreciation And Amortization

985.95 Million

At this time, Brighthouse Financial's Depreciation And Amortization is quite stable compared to the past year.

Brighthouse Financial Earnings Manipulation Drivers

Although earnings manipulation is typically not the result of intentional misconduct by the c-level executives, it is still a widespread practice by the senior management of public companies such as Brighthouse Financial. It is usually done by a series of misrepresentations of various accounting rules and operating activities across multiple financial cycles. The best way to spot the manipulation is to examine the historical financial statement to find inconsistencies in earning reports to find trends in assets or liabilities that are not sustainable in the future.
201920202021202220232024 (projected)
Net Receivables14.8B16.2B16.1B19.3B19.8B18.4B
Total Revenue6.6B8.5B7.1B8.5B4.1B5.9B
Total Assets227.3B247.9B259.8B225.7B237.2B254.0B
Total Current Assets90.8B106.0B110.1B99.0B28.8B27.4B
Net Debt1.5B(672M)(1.3B)(959M)(695M)(660.3M)
Long Term Debt4.0B4.4B3.4B3.2B3.6B3.7B
Operating Income(1.4B)(1.8B)(659M)(24M)(1.5B)(1.4B)

Brighthouse Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Brighthouse Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Brighthouse Financial's managers, analysts, and investors.
Environmental
Governance
Social

About Brighthouse Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Brighthouse Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Brighthouse Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Brighthouse Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.

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When determining whether Brighthouse Financial is a strong investment it is important to analyze Brighthouse Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Brighthouse Financial's future performance. For an informed investment choice regarding Brighthouse Stock, refer to the following important reports:
Check out Brighthouse Financial Piotroski F Score and Brighthouse Financial Altman Z Score analysis.
For more information on how to buy Brighthouse Stock please use our How to buy in Brighthouse Stock guide.
You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.
Is Oil & Gas Exploration & Production space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Brighthouse Financial. If investors know Brighthouse will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Brighthouse Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Brighthouse Financial is measured differently than its book value, which is the value of Brighthouse that is recorded on the company's balance sheet. Investors also form their own opinion of Brighthouse Financial's value that differs from its market value or its book value, called intrinsic value, which is Brighthouse Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Brighthouse Financial's market value can be influenced by many factors that don't directly affect Brighthouse Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Brighthouse Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Brighthouse Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Brighthouse Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.