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Brighthouse Financial, Inc. (BHFAL) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Brighthouse Financial, Inc. $18.66, price $15.90, upside +17.4%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN US10922N2027

BF Brighthouse Financial, Inc. logo Some data Sep 24, 2026

Brighthouse Financial, Inc.

BHFAL · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $18.66 · Undervalued (+17%)
!Quality 52/100
!Weak Growth (revenue 5y −6.1 %/yr)
!Thin margins · 7.0% net margin (FY2025)
!Low debt · negative free cash flow
·7.73% dividend yield
!Trails peers (4/11)
!Narrow moat 41/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$21.99 $15.05 Fair Value $18.66 Jun 2021 Sep 2026

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 $15.05 – $21.99 · fair‑value band $14.00 – $23.33 · the $15.90 price screens below the $18.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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.

Stock analysis

Brighthouse Financial, Inc. (BHFAL) currently trades at $15.90, while our model-based Fair Value estimate is $18.66, implying the stock looks roughly 14.8% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $26.02 per share, and 4 of the 6 models we run sit above the $15.90 price.

Bear case: the Dividend Discount group reads lowest at $6.16, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: $14.00 (bear) to $23.33 (bull), the price of $15.90 sits inside 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 52/100 (solid 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 $3.4B · Dividend yield 7.7% · Net margin 7.0% · Return on assets (EBIT) 0.3% · Free cash flow −$102M · Net cash $2.2B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 6% 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 17%, BHFAL screens cheaper than that median.

Fair Value models

Bear $14.00 Fair Value $18.66 Bull $23.33
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. 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.
Highest evidence
Residual Income $24.51 $25.28 $25.69 76
DDM Multi-Stage $4.14 $6.16 $8.27 67
Gordon GGM $4.14 $7.51 $11.79 66
All 6 models by family
Dividend Discount
Gordon GGM $4.14 $7.51 $11.79 66
DDM Multi-Stage $4.14 $6.16 $8.27 67
Multiples
P/E Multiple $19.51 $26.02 $32.52 63
P/B Multiple $25.52 $34.02 $42.53 55
Asset-Based
NCAV (Graham) $15.64 $20.96 $31.28 54
Economic Profit
Residual Income $24.51 $25.28 $25.69 76

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Quality Score breakdown

Overall quality 52/100

Of which business quality 45 · Market factors (momentum, volatility) 53

Profitability 19
Margins and returns on capital today
Quality Growth 65
Are margins and returns improving?
Cashflow 40
Earnings quality: real cash, not paper profit
Fin. Strength 8
Balance sheet, leverage, solvency risk
Investment 84
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 28
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

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%
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.
−41.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−49.6%
Dividend (yield on the price)7.7%
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%

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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 · 95 stocks

Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside +17% · Above median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 7% · Below median
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth 0% · Below median
Dividend yield (TTM) 7.7% · Top 25%
Balance sheet
Debt / equity 0.47× · Above median

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/B 0.51× · Cheapest 25%
EV/EBITDA 1.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)57 · sector 9
FUTURE (revenue growth)0 · sector 43
PAST (return on equity)0 · sector 43
HEALTH (low debt)77 · sector 84
DIVIDEND (yield)100 · sector 56

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥38.60 ¥49.98 +29%
Ping An Insurance (Group) Company 601318 ¥53.87 ¥66.20 +23%
AIA Group 1299 HK$75.35 HK$41.68 −45%
Manulife Financial Corporation MFC $44.17 $27.59 −38%
Aflac Incorporated AFL $114.60 $67.96 −41%
MetLife, Inc MET $95.92 $53.26 −44%
Great-West Lifeco Inc GWO C$92.75 C$41.81 −55%
Life Insurance Corporation LICI ₹407.50 ₹392.93 −4%
Cathay Financial Holding 2882 110.50 TWD 72.33 TWD −35%
China Pacific Insurance (Group) Co 601601 ¥31.61 ¥49.71 +57%

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Brighthouse Financial, Inc. · Fair Value
$18.66 +15%Fair Value
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Cite: Fair Value Calculator (2026). "Brighthouse Financial, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BHFAL

Frequently asked questions

Is Brighthouse Financial, Inc. (BHFAL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $18.66 versus a price of $15.90, about +17% upside (undervalued).
What is the fair value of BHFAL?
Our model-based fair value for Brighthouse Financial, Inc. is $18.66 (as of Sep 24, 2026), built from audited fundamentals. The current price: $15.90.
What is the quality score of BHFAL?
Brighthouse Financial, Inc. has a Quality Score of 52/100. 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. (BHFAL)?
Our model-based price target is the fair value of $18.66 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $14.00, optimistic scenario $23.33. 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 $18.66, about +17% upside versus a price of $15.90 (undervalued). Cautious scenario $14.00, optimistic scenario $23.33. The calculation is refreshed regularly with new filings.
Does Brighthouse Financial, Inc. pay a dividend?
Brighthouse Financial, Inc. currently shows a dividend yield of about 7.73% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Brighthouse Financial, Inc. (BHFAL)?
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 $18.66 per share (as of Sep 24, 2026), against a price of $15.90. 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, BHFAL trades below its calculated fair value: price $15.90, fair value $18.66, a gap of about +17% (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 BHFAL?
No. The price is what the market pays today ($15.90); the fair value is what the company's own numbers justify ($18.66). For Brighthouse Financial, Inc. the two are $2.76 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 $3.4B (market capitalisation, as of Sep 24, 2026). Per share that is $15.90; our models calculate a fair value of $18.66 per share.
What do the bullish and bearish scenarios say about BHFAL?
Our models span a range for Brighthouse Financial, Inc.: cautious scenario $14.00, base $18.66, optimistic $23.33 per share (as of Sep 24, 2026, price $15.90). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Brighthouse Financial, Inc. (BHFAL)?
Balance-sheet figures for Brighthouse Financial, Inc. (as of Sep 24, 2026): debt of 0.47 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is BHFAL from its 52-week high?
Brighthouse Financial, Inc. trades at $15.90, about 9% below its 52-week high of $17.56 and 6% above the low of $15.05 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $18.66 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 $15.90, calculated fair value $18.66 (+17%), Quality Score 52/100, 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 BHFAL 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 $18.66, 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 14.1 % above its aggregate fair value. Brighthouse Financial, Inc. currently trades 17 % 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. (BHFAL)?
The closing price on Sep 23, 2026 was $15.90. Our model-based fair value is $18.66, about +17% 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?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Brighthouse Financial, Inc. (BHFAL) 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. (BHFAL)?
The market capitalisation of Brighthouse Financial, Inc. is $3.4B. 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 dividend yield of Brighthouse Financial, Inc. (BHFAL)?
The dividend yield of Brighthouse Financial, Inc. is 7.7%. 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. (BHFAL)?
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 EBIT return on assets of Brighthouse Financial, Inc. (BHFAL)?
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.
How much free cash flow does Brighthouse Financial, Inc. (BHFAL) 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. (BHFAL) 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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