BHFAN Brighthouse Financial, Inc. - Fundamental Analysis
BEARISH
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BHFAN Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Insurance - Life
Current Price
Live
$13.7
52W High
$18.5
52W Low
$11.51
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
N/A
P/E
1.09
ROE
16.2%
Profit margin
12.3%
Debt/Equity
1.47
Dividend yield
9.84%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
78%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, indicating significant operational and financial concerns. Despite a high dividend yield of 9.84% and profitability metrics like strong ROE (16.18%) and operating margin (34.02%), the company faces substantial challenges including negative revenue growth (-10.10% YoY), extremely low valuation multiples (P/E of 1.09, P/B of 0.12), and a bearish technical trend. The absence of an Altman Z-Score raises transparency concerns, while the stock trades far below its Graham Number ($177.72) and intrinsic value estimate ($371.97), suggesting severe market skepticism about sustainability. Recent price rebounds (8.1% in 1M) appear speculative rather than fundamentals-driven.
Key Strengths
High dividend yield of 9.84% offers income appeal
Strong return on equity (16.18%) outperforms sector average
Operating margin of 34.02% indicates pricing power or cost efficiency
Debt/Equity ratio (1.47) is in line with sector average (1.56)
Recent short-term price momentum (8.1% in 1M, 7.4% in 6M)
Key Risks
Piotroski F-Score of 3/9 signals weak financial health and high risk
Revenue declining YoY (-10.10%) with no signs of stabilization
Extremely low P/E (1.09) and P/B (0.12) suggest deep value trap risk
No Altman Z-Score available, increasing uncertainty around bankruptcy risk
Lack of analyst coverage and missing key financial data (EV, cash, debt) limits visibility
AI Fair Value Estimate
Based on comprehensive analysis
$177.72
+1197.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
85
25
30
20
55
AI Verdict
High-risk, deeply undervalued stock with deteriorating fundamentals and limited transparency
Key drivers: Low Piotroski F-Score, Negative revenue growth, Missing Altman Z-Score, Extremely low valuation multiples, High dividend yield not supported by clear payout data
Confidence
75%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($13.70) is significantly below Graham Number ($177.72)
- P/B ratio of 0.12 suggests extreme book value discount
- P/E of 1.09 is far below sector average (21.76)
Watchpoints
- Low multiples may reflect value trap rather than opportunity
- No forward P/E or PEG ratio available for growth-adjusted valuation
Future
25/100
Ref Growth rates
Positives
- Earnings growth YoY is strong at 219.40%
- Q/Q earnings growth of 172.20% shows recent improvement
Watchpoints
- Revenue growth is negative (-10.10% YoY)
- No analyst forecasts or forward guidance available
- No PEG ratio due to uncertain growth sustainability
Past
30/100
Ref Historical trends
Positives
- 6M and 1M price returns are positive (+7.4%, +8.1%)
- Long-term underperformance suggests potential mean reversion
Watchpoints
- 5Y price change is -25.6%, indicating chronic underperformance
- 1Y return of -17.5% shows ongoing investor skepticism
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current ratio of 1.55 and quick ratio of 1.18 indicate short-term liquidity
- ROE of 16.18% is healthy
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- No Altman Z-Score available, raising red flags
- ROA of only 0.73% suggests inefficient asset use
Dividend
55/100
Ref Yield, Payout
Positives
- High dividend yield of 9.84% is attractive for income investors
- Dividend strength score of 40/100 suggests moderate reliability
Watchpoints
- Payout ratio is unknown, raising sustainability concerns
- No 5-year average yield or ex-dividend date available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$13.7
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BHFAN and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BHFAN
Brighthouse Financial, Inc.
Primary
|
-25.6% | -12.9% | -17.5% | +7.4% | +8.1% | +1.4% |
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
1.09
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.12
P/S Ratio
N/A
EV/Revenue
0.31
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 BHFAN against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
1.09
This Stock
vs
30.37
Sector Avg
-96.4%
(Discount)
Return on Equity (ROE)
16.18%
This Stock
vs
-7.62%
Sector Avg
-312.2%
(Below Avg)
Profit Margin
12.35%
This Stock
vs
82.75%
Sector Avg
-85.1%
(Weaker)
Debt to Equity
1.47
This Stock
vs
1.48
Sector Avg
-0.2%
(Lower)
Revenue Growth
-10.1%
This Stock
vs
28.35%
Sector Avg
-135.6%
(Slower)
Current Ratio
1.55
This Stock
vs
3.81
Sector Avg
-59.4%
(Weaker)
Ownership Structure
Institutional and insider holdings breakdown
Ownership Breakdown
Top Institutional Holders
PNC Financial Services Group, Inc.
5,340 shares
• 2025-09-30
Thompson Investment Management, Inc.
3,100 shares
• 2025-12-31
Past News Coverage
Recent headlines mentioning BHFAN from our newsroom.
Newest → oldest
No matching news yet.