Brighthouse Financial, Inc. (BHF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Brighthouse Financial, Inc. $70.02, price $50.02, upside +40.0%, quality 50 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $38.97 – $66.61 · fair‑value band $52.52 – $87.53 · the $50.02 price screens below the $70.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. The company operates through Annuities, Life, and Run-off segments.
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Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. The company operates through Annuities, Life, and Run-off segments. 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 products for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages universal life with secondary guarantees, structured settlements, pension risk transfer contracts, various company-owned life insurance policies, and funding agreements. Brighthouse Financial, Inc. was founded in 1863 and is headquartered in Charlotte, North Carolina.
Stock analysis
Brighthouse Financial, Inc. (BHF) currently trades at $50.02, while our model-based Fair Value estimate is $70.02, implying the stock looks roughly 28.6% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $97.99 per share, and 4 of the 6 models we run sit above the $50.02 price.
Bear case: the Dividend Discount group reads lowest at $23.21, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $52.52 (bear) to $87.53 (bull), the price of $50.02 sits below 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 50/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Brighthouse Financial, Inc. reported revenue of $6.2B in FY2025 versus $7.1B in FY2021, a compound −3.4%/yr. Reported net income was $433M in FY2025.
Key figures
Market cap $3.8B · P/S ratio 0.62 · EPS (TTM) $−3.07 · Dividend yield 2.7% · Net margin 7.0% · Return on equity −1.1% · Return on assets (EBIT) 0.3% · Operating margin −63.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 40%, BHF screens cheaper than that median.
Fair Value models
Bear $52.52Fair Value $70.02Bull $87.53
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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.20/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+42.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−6.1%
Start year 2020 (pandemic). Over 10 years: −3.5% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.9%
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What shareholders gained per year (last 3 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 3 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. Basis: adjusted.
−46.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−49.6%
Dividend (yield on the price)2.7%
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.−22% → 8%
Compare Brighthouse Financial, Inc. with another stock
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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 - Life · 88 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside+13.8% · Above median
Profitability
Return on assets0.1% · Bottom 25%
Net margin (TTM)−1.1% · Bottom 25%
Operating margin (TTM)−63.4% · Bottom 25%
Growth and dividend
Revenue growth−36.2% · Bottom 25%
Dividend yield (TTM)2.7% · Below median
Balance sheet
Debt / equity0.47× · Above median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Brighthouse Financial, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BHF
Frequently asked questions
Is Brighthouse Financial, Inc. (BHF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $70.02 versus a price of $50.02, about +40% upside (undervalued).
What is the fair value of BHF?
Our model-based fair value for Brighthouse Financial, Inc. is $70.02 (as of Sep 24, 2026), built from audited fundamentals. The current price: $50.02.
What is the quality score of BHF?
Brighthouse Financial, Inc. has a Quality Score of 50/100. 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 Brighthouse Financial, Inc. (BHF)?
Our model-based price target is the fair value of $70.02 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $52.52, optimistic scenario $87.53. It is a calculation from audited fundamentals, not an analyst target.
What is the Brighthouse Financial, Inc. stock forecast for 2026?
Our models put fair value at $70.02, about +40% upside versus a price of $50.02 (undervalued). Cautious scenario $52.52, optimistic scenario $87.53. The calculation is refreshed regularly with new filings.
What is the revenue of Brighthouse Financial, Inc. (BHF)?
Brighthouse Financial, Inc. reported trailing-twelve-month revenue of about $6.1B (latest available figure, as of Sep 24, 2026).
Does Brighthouse Financial, Inc. pay a dividend?
Brighthouse Financial, Inc. currently shows a dividend yield of about 2.69% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Brighthouse Financial, Inc. (BHF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Brighthouse Financial, Inc. it is $70.02 per share (as of Sep 24, 2026), against a price of $50.02. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Brighthouse Financial, Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BHF trades below its calculated fair value: price $50.02, fair value $70.02, a gap of about +40% (undervalued). 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 BHF?
No. The price is what the market pays today ($50.02); the fair value is what the company's own numbers justify ($70.02). For Brighthouse Financial, Inc. the two are $20.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is Brighthouse Financial, Inc. worth?
The market values Brighthouse Financial, Inc. at about $3.8B (market capitalisation, as of Sep 24, 2026). Per share that is $50.02; our models calculate a fair value of $70.02 per share.
What do the bullish and bearish scenarios say about BHF?
Our models span a range for Brighthouse Financial, Inc.: cautious scenario $52.52, base $70.02, optimistic $87.53 per share (as of Sep 24, 2026, price $50.02). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Brighthouse Financial, Inc. (BHF)?
Balance-sheet figures for Brighthouse Financial, Inc. (as of Sep 24, 2026): return on equity −1.1%, debt of 0.47 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is BHF from its 52-week high?
Brighthouse Financial, Inc. trades at $50.02, about 25% below its 52-week high of $66.61 and 11% above the low of $45.14 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $70.02 is for.
Which stocks are comparable to Brighthouse Financial, Inc.?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, 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 Brighthouse Financial, Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price $50.02, calculated fair value $70.02 (+40%), Quality Score 50/100, 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 BHF calculated?
We run Brighthouse Financial, Inc. 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 $70.02, 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 14.5 % above its aggregate fair value. Brighthouse Financial, Inc. currently trades 29 % below its own fair value, and the market average says nothing about that. 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 Brighthouse Financial, Inc. (BHF)?
The closing price on Oct 2, 2026 was $50.02. Our model-based fair value is $70.02, about +40% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Brighthouse Financial, Inc. right now?
The price is below even our cautious bear case ($52.52). The market is more pessimistic than our downside scenario. Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Brighthouse Financial, Inc. (BHF) come from?
Earnings per share at Brighthouse Financial, Inc. grew −2.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.8 %, EBIT margin −6.3 %, tax rate +2.0 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Brighthouse Financial, Inc.
How large is the market capitalisation of Brighthouse Financial, Inc. (BHF)?
The market capitalisation of Brighthouse Financial, Inc. is $3.8B. 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 Brighthouse Financial, Inc. (BHF)?
The price-to-sales ratio of Brighthouse Financial, Inc. is 0.62 (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 Brighthouse Financial, Inc. (BHF)?
Earnings per share at Brighthouse Financial, Inc. are $−3.07. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Brighthouse Financial, Inc. (BHF)?
The dividend yield of Brighthouse Financial, Inc. is 2.7%. 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 Brighthouse Financial, Inc. (BHF)?
The net margin of Brighthouse Financial, Inc. is 7.0% (fiscal year 2025). 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 Brighthouse Financial, Inc. (BHF)?
The return on equity (ROE) of Brighthouse Financial, Inc. 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 Brighthouse Financial, Inc. (BHF)?
On an EBIT basis the return on assets of Brighthouse Financial, Inc. is 0.3% (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 Brighthouse Financial, Inc. (BHF)?
The operating margin of Brighthouse Financial, Inc. is −63.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Brighthouse Financial, Inc. (BHF)?
Revenue at Brighthouse Financial, Inc. is growing −36.2% versus a year earlier (3y avg −2.2%). 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 Brighthouse Financial, Inc. (BHF)?
Earnings per share at Brighthouse Financial, Inc. are growing −82.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Brighthouse Financial, Inc. (BHF) generate?
The free cash flow of Brighthouse Financial, Inc. is −$102M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Brighthouse Financial, Inc. (BHF) hold?
Brighthouse Financial, Inc. holds more cash than debt, $2.2B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 24, 2026