Brighthouse Financial, Inc (BHFAL) Fair Value & Analysis
Other · US · Market cap $3.4B
Brighthouse Financial, Inc
BHFAL · US
Fair value as of: Jul 14, 2026
From 15 valuation models · updated 27 days ago
Fair value updated Jul 14, 2026, revised from $30.69 to $31.16 (+1.5%) since Jun 24, 2026. Share price −1.2% over the past month.
A solid business, screening 98% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($24.59). The market is more pessimistic than our downside scenario.
- Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
60‑month range $15.05 – $21.99 · fair‑value band $24.59 – $33.61 · the $15.76 price screens below the $31.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
Brighthouse Financial, Inc (BHFAL) currently trades at $15.76, while our model-based Fair Value estimate is $31.16, implying the stock looks roughly 97.8% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Other sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
The balance sheet holds a net cash position of $2.2B. Fundamentals as of Jul 14, 2026
Our scenario range runs from $24.59 (bear case) to $33.61 (bull case); at $15.76, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 16% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Other peers we cover trades at -22% fair-value upside, at 98%, BHFAL screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 15 models by family
Widest divergence: Multiples ($31.92) versus Dividend Discount ($6.11). Highest evidence: Residual Income (76).
Key figures & financial health
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 48
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Brighthouse Financial, Inc. provides a range of annuity and life insurance products in the United States. The company operates through three segments: Annuities, Life, and Run-off.
Full company description
Brighthouse Financial, Inc. provides a range of annuity and life insurance products in the United States. The company operates through three segments: Annuities, Life, and Run-off. It 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; and term, whole, universal, and variable life insurance products for policyholders' needs for financial security and protected wealth transfer. The company was founded in 2016 and is headquartered in Charlotte, North Carolina.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Peer Group
Other · 390 stocks
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.
Valuation Multiples vs Other median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Other stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FREJO | $15.84 | $52.77 | +233% |
| 533278 533278 | ₹438.60 | ₹720.31 | +64% |
| Nestl?? India Limited 500790 | ₹1,459 | ₹191.93 | -87% |
| 540376 540376 | ₹3,993 | ₹1,806 | -55% |
| 540777 540777 | ₹567.55 | ₹142.69 | -75% |
| Lupin Limited 500257 | ₹2,476 | ₹1,983 | -20% |
| 540719 540719 | ₹1,788 | ₹850.02 | -52% |
| 524804 524804 | ₹1,620 | ₹1,268 | -22% |
| 540716 540716 | ₹1,612 | ₹1,224 | -24% |
| Eicher Motors Limited 505200 | ₹7,340 | ₹6,859 | -7% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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