BHFAM
BEARISH
$12.04
Live
Brighthouse Financial, Inc. · NASDAQ
$10.21
52W Range
$16.4
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
N/A
P/E
0.95
ROE
16.2%
Profit margin
12.3%
Debt/Equity
1.47
Dividend yield
9.47%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, indicating significant operational and financial weaknesses. Despite a current price of $12.04 being far below the Graham Number of $177.72 and Intrinsic Value estimate of $371.97, the valuation disconnect is likely due to structural risks rather than undervaluation. Profitability metrics like ROE (16.18%) and operating margin (34.02%) appear strong, but are overshadowed by negative earnings sustainability, declining revenue (-10.10% YoY), high leverage (Debt/Equity: 1.47), and a deeply bearish technical trend (0/100). The absence of Altman Z-Score raises transparency concerns, while the 9.47% dividend yield appears unsustainable given the lack of payout ratio data and weak overall financial posture.
Key Strengths
High operating margin of 34.02% suggests strong cost control or pricing power in core operations
ROE of 16.18% exceeds sector average, indicating efficient use of equity capital
Current ratio of 1.55 and quick ratio of 1.18 indicate short-term liquidity adequacy
Dividend yield of 9.47% is highly attractive on surface level, potentially appealing to income investors
Recent 6M and 1M price performance (+8.7%, +7.7%) shows short-term momentum rebound from 52-week low
Key Risks
Piotroski F-Score of 3/9 signals severe financial distress and poor fundamental health
Revenue declining at -10.10% YoY contradicts earnings growth and raises sustainability concerns
Extremely low P/E of 0.95 likely reflects earnings distortion or one-time gains rather than true profitability
Price/Book of 0.11 suggests the market assigns minimal value to book equity, typical of distressed financials
Technical Trend score of 0/100 indicates strong bearish momentum and investor rejection
AI Fair Value Estimate
Based on comprehensive analysis
$25.0
+107.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
31
Weak
45
30
25
20
35
AI Verdict
Highly risky with superficial value appeal masking structural deterioration
Key drivers: Low Piotroski F-Score (3/9), Absence of Altman Z-Score, Divergence between low valuation multiples and profitability metrics, Negative revenue growth trend, Bearish technical trend
Confidence
75%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 0.95 is exceptionally low, suggesting potential undervaluation
- Price/Book of 0.11 indicates shares trade at a steep discount to book value
Watchpoints
- Low multiples may reflect value trap rather than opportunity
- Graham Number ($177.72) is 14x current price, implying extreme skepticism by market
Future
30/100
Ref Growth rates
Positives
- Earnings Growth (YoY) of 219.40% appears strong
- Q/Q Earnings Growth of 172.20% suggests recent acceleration
Watchpoints
- Revenue Growth (YoY) of -10.10% contradicts earnings surge, implying non-operational gains
- No forward P/E or growth guidance available increases uncertainty
Past
25/100
Ref Historical trends
Positives
- 6M and 1M returns (+8.7%, +7.7%) show recent recovery from lows
Watchpoints
- 5Y Change of -33.8%, 3Y -13.9%, and 1Y -17.1% reflect prolonged underperformance
- 52-week high ($16.40) remains 36% above current price, indicating persistent downtrend
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current and quick ratios indicate short-term solvency
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Altman Z-Score is missing, raising red flag about financial transparency
- Debt/Equity of 1.47 is high for a life insurer, increasing leverage risk
Dividend
35/100
Ref Yield, Payout
Positives
- Dividend yield of 9.47% is high and attractive in absolute terms
Watchpoints
- Dividend Strength score of 40/100 suggests poor sustainability
- Payout ratio is unavailable, increasing risk of cut
- High yield may be a value trap given weak financials
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$12.04
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BHFAM and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BHFAM
Brighthouse Financial, Inc.
Primary
|
-33.8% | -13.9% | -17.1% | +8.7% | +7.7% | +0.3% |
BHF
Brighthouse Financial, Inc.
Primary
5Y
-33.8%
3Y
-13.9%
1Y
-17.1%
6M
+8.7%
1M
+7.7%
1W
+0.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
0.95
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.11
P/S Ratio
N/A
EV/Revenue
0.3
EV/EBITDA
N/A
Market Cap
N/A
Profitability
Profit margins and return metrics
Profit Margin
12.35%
Operating Margin
34.02%
Gross Margin
41.3%
ROE
16.18%
ROA
0.73%
Growth
Revenue and earnings growth rates
Revenue Growth
-10.1%
Earnings Growth
+219.4%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+172.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.47
Moderate
Current Ratio
1.55
Good
Quick Ratio
1.18
Good
Cash/Share
$138.39
Financial Services Sector Comparison
Comparing BHFAM against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
0.95
This Stock
vs
36.01
Sector Avg
-97.3%
(Discount)
Return on Equity (ROE)
16.18%
This Stock
vs
-0.73%
Sector Avg
-2307.6%
(Below Avg)
Profit Margin
12.35%
This Stock
vs
91.62%
Sector Avg
-86.5%
(Weaker)
Debt to Equity
1.47
This Stock
vs
1.36
Sector Avg
+8.5%
(Higher)
Revenue Growth
-10.1%
This Stock
vs
35.27%
Sector Avg
-128.6%
(Slower)
Current Ratio
1.55
This Stock
vs
3.18
Sector Avg
-51.3%
(Weaker)
Ownership Structure
Institutional and insider holdings breakdown
Ownership Breakdown
Top Institutional Holders
Nbc Securities, Inc.
2,129 shares
• 2025-09-30
Past News Coverage
Recent headlines mentioning BHFAM from our newsroom.
Newest → oldest
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