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BHFAP Brighthouse Financial, Inc. - Fundamental Analysis

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BHFAP Stock | Fundamental Analysis & Investment Insights
NASDAQ Financial Services Insurance - Life
Current Price Live
$16.62
52W High
$22.86
52W Low
$14.02

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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 fundamental deterioration. Despite deeply discounted valuation metrics—P/E of 1.32 and Price/Book of 0.15—the company faces declining revenue (YoY -10.10%) and concerning capital structure risks, including high debt/equity of 1.47. The absence of an Altman Z-Score prevents a full distress risk assessment, but weak ROA of 0.73% and negative long-term price performance suggest underlying operational fragility. While the 9.89% dividend yield and recent short-term price rebound offer temporary appeal, these are outweighed by structural challenges and lack of analyst coverage or insider support.

Key Strengths

Exceptionally low P/E ratio of 1.32 suggests deep value pricing relative to earnings
High operating and gross margins (34.02% and 41.30%) indicate strong pricing power or cost control
ROE of 16.18% exceeds sector average, signaling efficient equity utilization
Recent short-term price momentum: +10.1% over 1 month and +8.0% over 6 months
Dividend yield of 9.89% is highly attractive in current rate environment

Key Risks

Piotroski F-Score of 3/9 indicates poor financial health and high risk of value trap
Revenue declining YoY by -10.10%, suggesting fundamental business contraction
Debt/Equity of 1.47 is elevated for a life insurer, increasing financial leverage risk
No Altman Z-Score available, creating uncertainty about bankruptcy risk
Lack of analyst coverage and target prices indicates low institutional interest or transparency issues
AI Fair Value Estimate
Based on comprehensive analysis
$177.72
+969.3% above current price

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