BHFAO Brighthouse Financial, Inc. - Fundamental Analysis
BEARISH
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BHFAO Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Insurance - Life
Current Price
Live
$17.06
52W High
$23.28
52W Low
$14.19
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
N/A
P/E
1.35
ROE
16.2%
Profit margin
12.3%
Debt/Equity
1.47
Dividend yield
9.88%
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 balance sheet concerns. Despite a low P/E of 1.35 and a Price/Book of 0.15 suggesting deep value, the absence of an Altman Z-Score raises red flags about potential distress risk. Earnings growth is exceptionally high (219.4% YoY), but this follows likely depressed prior-year results, while revenue continues to decline (-10.1% YoY). The stock trades far below the Graham Number ($177.72) and intrinsic value estimate ($371.97), but structural risks and poor technical trend (0/100) undermine confidence in a sustainable recovery.
Key Strengths
Exceptionally high dividend yield of 9.88% offers strong income potential
Operating margin of 34.02% and gross margin of 41.30% indicate pricing power or cost efficiency
ROE of 16.18% exceeds sector average despite negative peer ROE (-22.56%)
Current ratio of 1.55 and quick ratio of 1.18 suggest short-term liquidity is adequate
Recent price momentum is positive with +10.6% in the last month and +8.9% in 6 months
Key Risks
Piotroski F-Score of 3/9 signals weak financial health and high risk of value trap
Revenue declining at -10.1% YoY indicates fundamental business contraction
Debt/Equity of 1.47 is high for financials and near sector average, limiting flexibility
Technical trend score of 0/100 indicates strong bearish price action despite recent bounce
Missing Altman Z-Score prevents distress risk assessment, a critical gap for financial firms
AI Fair Value Estimate
Based on comprehensive analysis
$177.72
+941.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
51
Moderate
85
42
38
28
60
AI Verdict
High-risk value trap likely
Key drivers: Low Piotroski F-Score, Declining revenue, Missing Altman Z-Score, Deeply undervalued metrics, High dividend yield
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 1.35 is drastically below sector average of 22.26
- Price/Book of 0.15 indicates extreme book value discount
- Current price ($17.06) is 90% below Graham Number ($177.72)
Watchpoints
- Valuation may reflect justified concerns about solvency or earnings sustainability
Future
42/100
Ref Growth rates
Positives
- Earnings growth of 219.4% YoY shows strong profit improvement
Watchpoints
- Revenue growth is negative at -10.1% YoY
- No forward P/E or analyst targets available to validate growth outlook
Past
38/100
Ref Historical trends
Positives
- Recent 6M and 1M returns are positive (+8.9%, +10.6%)
Watchpoints
- 5Y, 3Y, and 1Y price changes are negative (-13.0%, -15.2%, -18.4%)
- Long-term performance shows consistent underperformance
Health
28/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 16.18% is strong
- Short-term liquidity ratios are acceptable
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Altman Z-Score missing, preventing distress risk evaluation
- ROA of 0.73% is extremely low for a financial firm
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend yield of 9.88% is very high
- Dividend strength score of 40/100 suggests moderate sustainability risk
Watchpoints
- Payout ratio is unknown, raising concerns about coverage
- Revenue decline threatens future dividend capacity
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.06
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BHFAO and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BHFAO
Brighthouse Financial, Inc.
Primary
|
-13.0% | -15.2% | -18.4% | +8.9% | +10.6% | +2.1% |
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
1.35
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.15
P/S Ratio
N/A
EV/Revenue
0.33
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 BHFAO against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
1.35
This Stock
vs
30.37
Sector Avg
-95.5%
(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
Nbc Securities, Inc.
3,372 shares
• 2025-09-30
PNC Financial Services Group, Inc.
1,536 shares
• 2025-09-30
Past News Coverage
Recent headlines mentioning BHFAO from our newsroom.
Newest → oldest
No matching news yet.