BHFAP
BEARISH
$16.62
Live
Brighthouse Financial, Inc. · NASDAQ
$14.02
52W Range
$22.86
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$2.76B
P/E
1.32
ROE
16.2%
Profit margin
12.3%
Debt/Equity
1.47
Dividend yield
9.89%
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 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
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
42
Moderate
85
25
30
20
50
AI Verdict
High-risk value trap likely
Key drivers: Low Piotroski F-Score, Declining revenue, High dividend yield unsupported by growth, Lack of analyst coverage, Deep valuation discount
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 1.32 is drastically below sector average of 20.86
- Price/Book of 0.15 indicates extreme book value discount
- Current price ($16.62) well below Graham Number ($177.72)
Watchpoints
No urgent risks highlighted.
Future
25/100
Ref Growth rates
Positives
- Earnings growth YoY of 219.40% (likely rebound from low base)
- Q/Q Earnings Growth of 172.20% shows recent improvement
Watchpoints
- Revenue Growth YoY of -10.10% indicates shrinking top line
- No forward P/E or growth guidance available
- No evidence of sustainable growth trajectory
Past
30/100
Ref Historical trends
Positives
- 6M return of +8.0% and 1M return of +10.1% show recent recovery
Watchpoints
- 5Y change of -13.9%, 3Y of -16.8%, and 1Y of -18.5% reflect prolonged underperformance
- Persistent revenue decline over multiple periods
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current Ratio of 1.55 and Quick Ratio of 1.18 suggest short-term liquidity adequacy
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- ROA of only 0.73% is extremely low for financial sector
- No Altman Z-Score available raises red flag
- High Debt/Equity of 1.47 increases solvency risk
Dividend
50/100
Ref Yield, Payout
Positives
- Dividend yield of 9.89% is very high
- Dividend Strength score of 40/100 suggests moderate sustainability risk
Watchpoints
- Payout ratio unavailable, creating uncertainty about coverage
- High yield may be unsustainable given revenue decline and low ROA
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$16.62
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BHFAP and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BHFAP
Brighthouse Financial, Inc.
Primary
|
-13.9% | -16.8% | -18.5% | +8.0% | +10.1% | +2.6% |
|
CVBF
CVB Financial Corp.
Peer
|
+16.5% | +51.4% | +19.3% | +10.6% | +6.6% | -1.0% |
|
FBK
FB Financial Corporation
Peer
|
+32.4% | +98.6% | +28.6% | -3.2% | +3.3% | -0.8% |
|
SEZL
Sezzle Inc.
Peer
|
+497.3% | +497.3% | +80.2% | +9.3% | +23.2% | +35.2% |
|
BOH
Bank of Hawaii Corporation
Peer
|
+7.4% | +9.8% | +3.7% | +10.1% | +0.7% | -0.6% |
BHF
Brighthouse Financial, Inc.
Primary
5Y
-13.9%
3Y
-16.8%
1Y
-18.5%
6M
+8.0%
1M
+10.1%
1W
+2.6%
CVB
CVB Financial Corp.
Peer
5Y
+16.5%
3Y
+51.4%
1Y
+19.3%
6M
+10.6%
1M
+6.6%
1W
-1.0%
FBK
FB Financial Corporation
Peer
5Y
+32.4%
3Y
+98.6%
1Y
+28.6%
6M
-3.2%
1M
+3.3%
1W
-0.8%
SEZ
Sezzle Inc.
Peer
5Y
+497.3%
3Y
+497.3%
1Y
+80.2%
6M
+9.3%
1M
+23.2%
1W
+35.2%
BOH
Bank of Hawaii Corporation
Peer
5Y
+7.4%
3Y
+9.8%
1Y
+3.7%
6M
+10.1%
1M
+0.7%
1W
-0.6%
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
1.32
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.15
P/S Ratio
0.35
EV/Revenue
0.33
EV/EBITDA
N/A
Market Cap
$2.76B
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 BHFAP against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
1.32
This Stock
vs
36.01
Sector Avg
-96.3%
(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)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BHFAP
Brighthouse Financial, Inc.
|
BEARISH | $2.76B | 1.32 | 16.2% | 12.3% | $16.62 | |
|
CVBF
CVB Financial Corp.
|
BULLISH | $2.76B | 13.35 | 9.3% | 40.3% | $20.29 | Compare |
|
FBK
FB Financial Corporation
|
NEUTRAL | $2.75B | 21.87 | 7.9% | 25.2% | $53.58 | Compare |
|
SEZL
Sezzle Inc.
|
BULLISH | $2.76B | 21.7 | 103.3% | 29.6% | $80.71 | Compare |
|
BOH
Bank of Hawaii Corporation
|
NEUTRAL | $2.82B | 18.06 | 10.7% | 27.2% | $70.8 | Compare |
BHFAP
Brighthouse...
BEARISH
Mkt Cap
$2.8B
P/E
1.3
ROE
16.2%
Price
$16.62
Past News Coverage
Recent headlines mentioning BHFAP from our newsroom.
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