BHF

Brighthouse Financial, Inc.

Fundamental data last updated:October 24, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Life

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. It operates through three segments: Annuities, Life, and Run-off. The Annuities segment offers variable, fixed, index-linked, and income annuities for contract holders' needs for protected wealth accumulation on a tax-deferred basis, wealth transfer, and income security. The Life segment provides term, universal, whole, and variable life policies for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements, and universal life with secondary guarantees. The company was incorporated in 2016 and is based in Charlotte, North Carolina.

 


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VALUATION

P/E

-55.77

Market Cap ($M USD)

$3.61B

Forward P/E

3.05

PEG

0.00

PRICE TO SALES

0.66

PRICE TO BOOK

0.65

EV / EBITDA

-309.00

5-Year Average P/E

Free Cash Flow Yield

-13.00%

DCF Value

$283.94

Graham Number

N/A

Price to FCF

-7.69

EV to FCF

-3.95

Earnings Yield

-1.79%

FCF Yield

-13.00%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

-156.92%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$1.13

Next Year EPS Growth Estimate

$20.60

Next Year Revenue Growth Estimate

$9.35B

Return on Equity (ROE)

-1.07%

FREE CASH FLOW

Operating Margin

-2.90%

Debt-to-Equity

0.47

Piotroski F-Score

4

Altman Z-Score

0.10

Return on Invested Capital (ROIC)

-0.11%

Current Ratio

1.16

Quick Ratio

1.16

Net Debt to EBITDA

292.17

Interest Coverage

-1.04

Gross Profit margin

53.30%

FCF PER SHARE

$-8.12

REVENUE PER SHARE

$94.43

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Gainseekers Quantitative Analysis

Summary

The market seems to be dramatically undervaluing Brighthouse Financial, Inc. relative to its DCF value, which towers over the recent pricing. Despite a dismal current P/E ratio, the forward P/E suggests a significant turnaround, hinting at a potential earnings explosion. However, the Altman Z-score raises red flags about financial distress, indicating a precarious balance between opportunity and risk. The negative earnings yield and ROIC further underscore the company’s current inefficiencies, making it a speculative play for those betting on a rebound. Overall, the valuation suggests a deep value opportunity, but with substantial risk attached.

AI Exposure / Tech Reliance

As a life insurance company, Brighthouse Financial operates in a sector that is less directly impacted by AI and tech shifts compared to more tech-centric industries. However, the company must still adapt to digital transformation trends to enhance customer experience and operational efficiency. Its resilience will depend on integrating technology to streamline processes and improve service delivery.

The Bull Case

For the value or GARP investor, Brighthouse Financial presents a compelling case with its rock-bottom PEG ratio, indicating potential undervaluation relative to growth. The Piotroski F-Score of 4 suggests moderate financial health, while the low debt-to-equity ratio highlights prudent financial management. Despite negative cash flow metrics, the company's gross profit margin indicates some pricing power. Investors might see an opportunity in its potential for capital efficiency improvements as it navigates its turnaround.

The Bear Case

Brighthouse Financial faces significant structural risks, with a negative operating margin and a staggering net debt to EBITDA ratio, signaling potential liquidity issues. The company's negative free cash flow yield and earnings yield paint a grim picture of its cash generation capabilities. Trading near its 52-week high, the stock appears technically overextended, suggesting limited upside without substantial operational improvements. The negative interest coverage ratio further highlights the company's vulnerability to financial shocks.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$65.00

Institutional Ownership %

1-Year Beta

0.88

Insider Buying % (6 Mo)

Distance to 52-Week High

5.64%

Distance to 52-Week Low

33.00%

EARNINGS SURPRISE %

-8.42%

50-DAY SMA

$61.42

200-DAY SMA

$58.66

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.