QualityDipStocks / Finance · Life Insurance
Brighthouse Financial BHF
Outside our quality screen, so we don’t track its dips. It’s 35% below its 52-week high.
Outside our quality screen, 16% under its Market Value. No fair value estimate for now: our model doesn’t fit it reliably.
Worth knowing
- Deepest drop from a 52-week high in over 3 years
- Share count down 12% in 2 years
From the data on this page, as of the last close. How we pick these
- Fair value est.
- n/a
- Market Value
- $51.54price −16%
- Off 52-wk high
- −35%
- Risk vs market
- Lowbeta 0.01
4 bullish · 5 bearish See why
Repriced or dip?
Dip: business intact
The price is 35% below its 52-week high (Jul 13), but the business held up: revenue +12.7%, revenue growth rate +18.8 pts, earnings per share turned to a profit.
Some numbers held up (revenue +12.7%, revenue growth rate +18.8 pts, earnings per share turned to a profit), others slipped. The price is 35% below its 52-week high.
The price is 35% below its 52-week high, and the business changed too.
Within 10% of its 52-week high, so there is no dip to judge yet.
The evidence 6 numbers, high vs now
- Revenue, last 12 months$5.9B → $6.7B (+12.7%)held up
- Revenue growth rate−16.2% → +2.6% a year (+18.8 pts)held up
- Earnings per share, 12 monthsturned to a profitheld up
- Shares outstanding+0.3% (more shares, each owns less)held up
- Stock vs its sector (Finance)stock −35%, sector median −2% since Jul 13changed
- Price fall vs business numbersprice −35%, revenue/EPS/FCF median +13% (shown, not scored)
Business numbers as reported at the high (12 months to Mar 31, 2026) vs the latest filing (12 months to Jun 30, 2026). Each measure is scored from −1 (business changed) to +1 (business intact) and weighted: revenue, earnings per share, free cash flow, operating margin, revenue growth rate, share count, net cash and the move vs its sector. 60 or more reads as a dip, 40 or less as a repricing. Analyst estimates are not in our data, so they are not used. How to read it
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk low: P/E 3.4×; now: P/E 3.4×.
| High | Low | Now | |
|---|---|---|---|
| Price | $66.61Jul 13 | $42.98Oct 29 | $43.55 |
| P/E | n/a | 3.4× | 3.4× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for BHF: the book-value model gives 181% above the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much BHF moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Has moved mostly independently of the market, but its own price swings are 3.2× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.01
- Volatility
- 41% vs 13% SPY
- Correlation SPY
- 0.00
- Correlation QQQ
- −0.01
Valuation details
MV $51.54
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
ValuationP/E of 3.4× vs a 13.6× median for the 291 Finance companies we cover.
GrowthDiluted EPS grew 23% to $5.71 in FY2025.
ValuationPrice / book of 0.4×, below the 1.7× median for the 296 Finance companies we cover.
ValuationTrades 15.5% below its Market Value of $51.54, the average price paid since the Aug 5 filing.
Top bearish points 5 of 5
GrowthSales grew only −0.5% a year from FY2022 to FY2025.
GrowthSales grew 2.6% over the last 12 months, below the 12% median for the 284 Finance companies we cover.
ProfitabilityNet margin of 11%, below the 22% median for the 281 Finance companies we cover.
QualityDoesn’t pass our quality screen: no positive free cash flow.
RiskReports earnings Nov 5 (consensus EPS $5.03): results can move the price sharply and reset Market Value.
All fundamentals
P/E 3.4 · ROE 12% · Sales +3%
Valuation
- P/E
- 3.4×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for an insurer
- FCF yield
- n/acash flow isn't a clean measure for an insurer
- EV / EBITDA
- n/anot meaningful for an insurer
- Price / sales
- 0.38×
- Price / book
- 0.38×
- Market cap
- $2.5Bprice × diluted shares
- Enterprise value
- −$1.4B
Growth
- Revenue, 12 months
- $6.7B
- Sales growth, 12 months
- +2.6%vs the 12 months before
- Sales growth, 3 yrs
- −0.5%/yrfrom FY2022
- Diluted EPS, 12 months
- $12.61
- EPS growth, last FY
- +23.1%
- Net income, 12 months
- $729M
- Net income growth
- +30%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for an insurer
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 11.0%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 12%
- Return on invested capital
- n/anot meaningful for an insurer
Balance sheet
- Cash & short-term inv.
- $7.1B
- Total debt
- $3.2B
- Net cash
- n/anot meaningful for an insurer
- Debt / equity
- n/adeposits/float make debt/equity not comparable for an insurer
- Interest coverage
- n/anot meaningful for an insurer
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- n/ano dividend payments tagged
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $0
- Share count, 1 year
- +0.2%diluted shares vs a year ago
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Brighthouse Financial’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +87%
- Return on equity14%
- Sales growth (latest quarter vs year-ago quarter)+87%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $43.55
- 52-wk lowlowest close, 1 year$42.98−1.3%
- PriceMon Nov 2 close$43.55you are here
- Market Valueavg paid since Aug 5$51.54+18.3%
- 52-wk highhighest close, 1 year$66.61+53.0%
Momentum & 52-week range
RSI 25 · 5 days −2.9%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 5
- DateThu Nov 5
- Consensus EPS$5.03
- Year-ago EPS$4.54
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
BHF is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Brighthouse Financial in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Life Insurance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.