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Brighthouse Financial (BHF) investor relations material
Brighthouse Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Net income available to shareholders was $60 million for Q2 2025, up from $9 million year-over-year; adjusted earnings were $198 million, down from $346 million.
Annuity sales reached $2.6 billion, with $1.9 billion from Shield Level Annuities; life sales were $33 million, mainly from SmartCare.
Combined RBC ratio estimated between 405% and 425%; holding company liquid assets totaled $0.9 billion.
$102 million in common stock repurchased year-to-date through June 30, 2025; $441 million remains under the program.
Adjusted earnings were $60 million below expectations due to lower alternative investment income and underwriting margin.
Financial highlights
Adjusted earnings for Q2 2025 were $198 million ($3.43/share), down from $245 million in Q1 2025 and $346 million in Q2 2024.
Net income available to shareholders was $60 million ($1.02 per share) for Q2 2025, up from $9 million in Q2 2024.
Adjusted net investment income yield was 4.28% for Q2 2025.
Statutory combined total adjusted capital was $5.6 billion as of June 30, 2025.
Book value per share (excluding AOCI) was $144.09.
Outlook and guidance
Management expects continued volatility in net income due to differences between hedge targets and GAAP reserves, impacted by market performance.
The company remains within its target RBC ratio range of 400% to 450% under normal market conditions.
No changes to new business strategy; strong start to Q3 sales and continued focus on growth and pricing discipline.
Long-term free cash flow projections will not be provided in 2025, pending completion of ongoing strategic initiatives.
No material changes to market risk exposures or risk factors from prior disclosures.
Explain the drivers behind the Run-off segment's adjusted loss.
How did the trading portfolio impact adjusted earnings?
What drove the increase in corporate expenses?
Quantify the impact of VA/Shield separation.
When will the VA/Shield hedging transition complete?
How does the board view preferred stock dividends?
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Next Brighthouse Financial earnings date
Q3 20257 Nov, 2025
Next Brighthouse Financial earnings date
Q3 20257 Nov, 2025
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Frequently asked questions
Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. The company offers variable annuities; indexed annuities that allow individuals to receive protected interest or a combination of protected and market-based interest; fixed account annuities for contract owners; term life insurance; universal life insurance products that allow customers to build cash values over time through payments in excess of what the policy needs to be funded at the time of the payment; and fixed indexed universal life insurance.
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