Atlantic American Corporation (AAME) vs Brighthouse Financial, Inc. (BHF)

Atlantic American Corporation and Brighthouse Financial, Inc. are both Insurance Life companies. Brighthouse Financial, Inc. is the larger, with a market value of $2.8B against $24.7M — 114.3× the size. Brighthouse Financial, Inc. trades at the lower P/E: 3.9× against 5.1×. Atlantic American Corporation grew revenue faster over the last twelve months: 12.0% against 2.62%. Brighthouse Financial, Inc. has the higher net margin (11.0% vs 2.26%) and the higher return on invested capital (22.9% vs 5.58%). Across the 18 metrics below, Brighthouse Financial, Inc. leads on 10 and Atlantic American Corporation on 8.

Valuation

Metric AAME BHF Insurance Life median
P/E 5.13 3.87 12.22
P/S 0.12 0.42 0.75
P/B 0.22 0.42 1.07
Price to free cash flow 0.99 n/m 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.49% 25.82% 8.18%
Free cash flow yield 100.74% (19.27%) 11.33%

Profitability

Metric AAME BHF Insurance Life median
Gross margin 12.51% 53.34% 32.44%
Operating margin 4.67% 14.65% 11.31%
Net margin 2.26% 10.96% 6.61%
Free cash flow margin 11.65% (8.09%) 15.04%
Return on equity 4.38% 11.80% 8.67%
Return on assets 1.15% 0.30% 0.67%
Return on invested capital 5.58% 22.87% 8.20%

Growth

Metric AAME BHF Insurance Life median
Revenue growth (TTM) 11.99% 2.62% 7.91%
EPS growth (last fiscal year) (666.67%) 23.06% (20.59%)
Revenue growth, 5-year CAGR (1.03%) (4.47%) 1.08%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric AAME BHF Insurance Life median
Debt to equity 0.31 0.48 0.48
Current ratio 0.31 0.87 0.21
Net debt to EBITDA (0.12) (14.49) 0.12

Dividend

Metric AAME BHF Insurance Life median
Dividend yield 0.00% — 2.21%
Payout ratio 0.00 — 0.26

Size

Metric AAME BHF Insurance Life median
Market cap 24.68m 2.82b 7.85b

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