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Brighthouse Financial, Inc. (BHFAO) stock analysis

BHFAONasdaqLife InsuranceFiscal year ends December 31Also trades as BHF, BHFAL, BHFAM, BHFAN, BHFAP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026Score 7/3048% below fair value
$12.71−0.01 (-0.08%)

Close on Oct 30, 2026Market cap $2.53BP/E 3.5Yield –

StockData Score

Prices as of Oct 30, 2026How the score works

Value5Growth0Performance2Health0Dividend0

Weak7 of 30 checks passed

Brighthouse Financial passes 7 of the 30 checks behind our score; 15 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
5/6
Growth
0/6
Past performance
2/6
Financial health
0/6
Dividend
0/6

What stands out

  • Margin of safety over 20%

    The price is 48.3% below fair value, more than the 20% cushion we look for.

  • Trading below fair value

    The share price of $43.92 is below our fair value estimate of $85.00.

  • P/E below the industry

    Brighthouse Financial's P/E of 3.5 is below the Life Insurance median of 10.6.

  • P/S below the industry

    Brighthouse Financial's price-to-sales of 0.38 is below the Life Insurance median of 0.64.

What to watch

  • Return on equity under 15%

    Return on equity was 13.6% over the last twelve months and averaged 7.9% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -0.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -51.9% a year over the last three fiscal years.

  • P/E above its 5-year median

    Brighthouse Financial's P/E of 3.5 is above its own 5-year median of 3.0.

Valuation5/6

  • P/E above its 5-year median

    Brighthouse Financial's P/E of 3.5 is above its own 5-year median of 3.0.

  • P/E below the industry

    Brighthouse Financial's P/E of 3.5 is below the Life Insurance median of 10.6.

  • P/S below the industry

    Brighthouse Financial's price-to-sales of 0.38 is below the Life Insurance median of 0.64.

  • P/B below the industry

    Brighthouse Financial's price-to-book of 0.39 is below the Life Insurance median of 0.92.

  • Trading below fair value

    The share price of $43.92 is below our fair value estimate of $85.00.

  • Margin of safety over 20%

    The price is 48.3% below fair value, more than the 20% cushion we look for.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -0.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -51.9% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 2.6% over the last twelve months; the Life Insurance median is 8.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 13.6% over the last twelve months and averaged 7.9% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Brighthouse Financial's return on equity of 13.6% is above the Life Insurance median of 11.7%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was 12.5% over the last twelve months, against a 5-year average of 15.4%.

  • Net margin above the industry

    Brighthouse Financial's net margin of 12.5% is above the Life Insurance median of 6.5%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Brighthouse Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$85.00

The share price is 48% below this estimate.

20%+ below
Near fair value
20%+ above
$43.92Price$85.00Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E6.8×3.0×10.6×$84.8150%
P/B0.7×0.6×0.9×$85.1950%
Fair value$85.00100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 3.0
  • Life Insurance median 10.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$42.55M
Value traded per 1% price move
$37.55M

Downside

Medium risk

Typical loss in a bad month
16.2%
Volatility (annualized)
41%
Sharpe ratio, 1 year
-0.23
Beta to the S&P 500 (5Y)
1.08

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2014 to 2025

Net margin

6.4%+18.9 pts over 5 years