Brookfield Wealth Solutions Ltd. (BNT) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Brookfield Wealth Solutions Ltd. stock $38.01, price $41.72, that is 8.9% below the price, quality 34 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range $18.71 – $49.44 · fair‑value band $37.16 – $39.38 · the $41.72 price screens above the $38.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
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Brookfield Wealth Solutions Ltd., through its subsidiaries, provides retirement services, wealth protection products, and capital solutions to individuals and institutions. It operates through Annuities, Property and Casualty (P&C), Life Insurance segments.
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The Annuities segment offers retail and institutional annuities, including fixed index, fixed rate, single premium immediate, and variable annuities, as well as pension risk transfer.
The P&C segment provides specialty casualty, construction defect, general liability, commercial multi-peril, workers compensation, product and environmental liability, and auto liability. The Life Insurance segment offers whole life, universal life, and variable universal life insurance products.
It also offers garage and inland marine insurance programs. The company was formerly known as Brookfield Reinsurance Ltd. and changed its name to Brookfield Wealth Solutions Ltd. in September 2024. Brookfield Wealth Solutions Ltd. was incorporated in 2020 and is headquartered in Pembroke, Bermuda.
Stock analysis
Brookfield Wealth Solutions Ltd. (BNT) currently trades at $41.72, while our model-based Fair Value estimate is $38.01, so the stock looks roughly fairly valued today (gap 9.8%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $44.72 per share, and 2 of the 6 models we run sit above the $41.72 price.
Bear case: the Multiples group reads lowest at $37.69, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $37.16 (bear) to $39.38 (bull), the price of $41.72 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 34/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak, negative or inconsistent.
Brookfield Wealth Solutions Ltd. reported revenue of $11.8B in FY2025 versus $1.0B in FY2021, a compound +84.0%/yr. Reported net income was $779M in FY2025.
Key figures
Market cap $14.9B Large · P/E ratio 44.6 · P/S ratio 1.26 · EPS (TTM) $0.8400 · Dividend yield 0.6% · Net margin 1.1% · Return on equity 1.1% · Return on assets (EBIT) 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −9%, BNT screens cheaper than that median.
Fair Value models
Bear$37.16Fair Value $38.01Bull$39.38
Price $41.72 · Downside -8.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.4926 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income$46.01$44.72$46.3374
Gordon GGM$0.1500$0.2800$0.390065
DDM Multi-Stage$0.1500$0.2500$0.290065
All 6 models by family
Dividend Discount
Gordon GGM$0.1500$0.2800$0.390065
DDM Multi-Stage$0.1500$0.2500$0.290065
Multiples
P/E Multiple$28.27$37.69$47.1163
P/B Multiple$59.17$78.89$98.6255
Asset-Based
NCAV (Graham)$28.18$37.76$56.3554
Economic Profit
Residual Income$46.01$44.72$46.3374
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is weak, negative or inconsistent.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+83.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+82.6%
Dividend (yield on the price)0.6%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.0% → 8%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
News mood ⓘNews mood, the average tone of recent news (54 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Thin evidence across categories signals limited advantage from low ROE and ROA, while scores remain near average overall.
Main risk: Rivals such as Apollo/Athene and KKR/Global Atlantic bidding aggressively could compress yields on private credit investments and margins on pension risk transfer and annuity products.
Bull case: By leveraging Brookfield's real-asset expertise and scale after integration the company could differentiate its offerings in inflation-protected annuities and pension risk transfer and maintain attractive spreads despite rival pressure.
Bear case: If competition intensifies further and regulatory scrutiny tightens, the platform might face sustained margin compression and restricted capital deployment limiting its ability to grow the insurance float profitably.
Brookfield Wealth Solutions is moving ahead with its corporate simplification that will delist the company and integrate it under Brookfield Corporation as the new parent by year end. Recent quarters delivered strong revenue growth yet sharply lower net income and earnings per share. Will the combination unlock steadier contributions from the insurance platform or create fresh integration hurdles for overall results?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 73 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score34 · Bottom 25%
Fair Value upside−8.9% · Above median
Profitability
Return on equity (12 months)1.1% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)1.1% · Bottom 25%
Operating margin (12 months)6.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)38.9% · Top 25%
Dividend yield (12 months)0.6% · Bottom 25%
Balance sheet
Debt / equity0.27× · Above median
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Is Brookfield Wealth Solutions Ltd. (BNT) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of $38.01 versus a price of $41.72, about 9% lower (fairly valued).
What is the fair value of BNT?
Our model-based fair value for Brookfield Wealth Solutions Ltd. is $38.01 (as of Nov 1, 2026), built from audited fundamentals. The current price: $41.72.
What is the quality score of BNT?
Brookfield Wealth Solutions Ltd. has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Brookfield Wealth Solutions Ltd. (BNT)?
Our model-based price target is the fair value of $38.01 (as of Nov 1, 2026) from 6 valuation models. Cautious scenario $37.16, optimistic scenario $39.38. It is a calculation from audited fundamentals, not an analyst target.
What is the Brookfield Wealth Solutions Ltd. stock forecast for 2026?
Our models put fair value at $38.01, about 9% lower versus a price of $41.72 (fairly valued). Cautious scenario $37.16, optimistic scenario $39.38. The calculation is refreshed regularly with new filings.
What is the revenue of Brookfield Wealth Solutions Ltd. (BNT)?
Brookfield Wealth Solutions Ltd. reported trailing-twelve-month revenue of about $11.9B (latest available figure, as of Nov 1, 2026).
Does Brookfield Wealth Solutions Ltd. pay a dividend?
Brookfield Wealth Solutions Ltd. currently shows a dividend yield of 0.62% relative to its recent price (as of Nov 1, 2026).
What growth is priced into Brookfield Wealth Solutions Ltd. (BNT)?
For today's price to be fair in a discounted-cash-flow model, Brookfield Wealth Solutions Ltd. would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 10.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +87.3 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of BNT use?
Our models discount Brookfield Wealth Solutions Ltd. at 10.7 %: a base by market capitalisation (large), damped by beta 1.64, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Brookfield Wealth Solutions Ltd. that is less than minus 40 % per year a year over ten years, using the same discount rate (10.7 %) and the same formula as our fair value.
How much growth has Brookfield Wealth Solutions Ltd. (BNT) delivered so far?
Over the past 5 years revenue at Brookfield Wealth Solutions Ltd. grew +87.3 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Brookfield Wealth Solutions Ltd. (BNT) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Brookfield Wealth Solutions Ltd. (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Brookfield Wealth Solutions Ltd. (BNT)?
The free-cash-flow yield on the price is 17.36 %: that much free cash flow Brookfield Wealth Solutions Ltd. produces per unit of market value. When it exceeds the discount rate of our models (10.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Brookfield Wealth Solutions Ltd. (BNT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Brookfield Wealth Solutions Ltd. it is $38.01 per share (as of Nov 1, 2026), against a price of $41.72. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Brookfield Wealth Solutions Ltd. stock overvalued or undervalued in 2026?
As of Nov 1, 2026, BNT trades above its calculated fair value: price $41.72, fair value $38.01, a gap of about −9% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BNT?
No. The price is what the market pays today ($41.72); the fair value is what the company's own numbers justify ($38.01). For Brookfield Wealth Solutions Ltd. the two are $3.71 per share apart. That gap is exactly why we show both numbers side by side.
How much is Brookfield Wealth Solutions Ltd. worth?
The market values Brookfield Wealth Solutions Ltd. at about $14.9B (market capitalisation, as of Nov 1, 2026). Per share that is $41.72; our models calculate a fair value of $38.01 per share.
What do the bullish and bearish scenarios say about BNT?
Our models span a range for Brookfield Wealth Solutions Ltd.: cautious scenario $37.16, base $38.01, optimistic $39.38 per share (as of Nov 1, 2026, price $41.72). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BNT?
Brookfield Wealth Solutions Ltd. trades at a price-to-earnings ratio of 44.6 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $38.01 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.3, EV/EBITDA 4.6.
How solid is the balance sheet of Brookfield Wealth Solutions Ltd. (BNT)?
Balance-sheet figures for Brookfield Wealth Solutions Ltd. (as of Nov 1, 2026): return on equity 1.1%, debt of 0.27 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is BNT from its 52-week high?
Brookfield Wealth Solutions Ltd. trades at $41.72, about 16% below its 52-week high of $49.44 and 16% above the low of $35.84 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $38.01 is for.
Which stocks are comparable to Brookfield Wealth Solutions Ltd.?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Brookfield Wealth Solutions Ltd. stock attractive at the current price?
The data as of Nov 1, 2026: price $41.72, calculated fair value $38.01 (−9%), Quality Score 34/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BNT calculated?
We run Brookfield Wealth Solutions Ltd. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $38.01, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Brookfield Wealth Solutions Ltd. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Brookfield Wealth Solutions Ltd. (BNT)?
The closing price on Nov 5, 2026 was $41.72. Our model-based fair value is $38.01, about 9% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Brookfield Wealth Solutions Ltd. right now?
The price sits above even our optimistic bull case ($39.38). The favourable scenario is already priced in. The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band ($37.16 to $39.38), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Brookfield Wealth Solutions Ltd.
How large is the market capitalisation of Brookfield Wealth Solutions Ltd. (BNT)?
The market capitalisation of Brookfield Wealth Solutions Ltd. is $14.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Brookfield Wealth Solutions Ltd. (BNT)?
The price-to-sales ratio of Brookfield Wealth Solutions Ltd. is 1.26 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Brookfield Wealth Solutions Ltd. (BNT)?
Earnings per share at Brookfield Wealth Solutions Ltd. are $0.8400 (price ÷ EPS = P/E 44.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Brookfield Wealth Solutions Ltd. (BNT)?
The dividend yield of Brookfield Wealth Solutions Ltd. is 0.6% (payout 31.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Brookfield Wealth Solutions Ltd. (BNT)?
The net margin of Brookfield Wealth Solutions Ltd. is 1.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Brookfield Wealth Solutions Ltd. (BNT)?
The return on equity (ROE) of Brookfield Wealth Solutions Ltd. is 1.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Brookfield Wealth Solutions Ltd. (BNT)?
On an EBIT basis the return on assets of Brookfield Wealth Solutions Ltd. is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Brookfield Wealth Solutions Ltd. (BNT)?
The operating margin of Brookfield Wealth Solutions Ltd. is 6.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Brookfield Wealth Solutions Ltd. (BNT)?
Revenue at Brookfield Wealth Solutions Ltd. is growing +38.9% versus a year earlier (3y avg +39.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Brookfield Wealth Solutions Ltd. (BNT)?
Earnings per share at Brookfield Wealth Solutions Ltd. are growing −66.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Brookfield Wealth Solutions Ltd. (BNT) hold?
Brookfield Wealth Solutions Ltd. holds more cash than debt, $7.3B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 1, 2026