BHF

Company Overview — What Does Brighthouse Financial, Inc. Do?

Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. It operates through three segments: Annuities, Life, and Run-off. The Annuities segment offers variable, fixed, index-linked, and income annuities for contract holders' needs for protected wealth accumulation on a tax-deferred basis, wealth transfer, and income security. The Life segment provides term, universal, whole, and variable life policies for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements, and universal life with secondary guarantees. The company was incorporated in 2016 and is based in Charlotte, North Carolina. Brighthouse Financial, Inc. (BHF) is classified as a mid-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Eric T. Steigerwalt and employs approximately 1,500 people. With a market capitalization of $3.4B, BHF is one of the notable companies in the Financials sector.

Brighthouse Financial, Inc. (BHF) Stock Rating — Hold (April 2026)

As of April 2026, Brighthouse Financial, Inc. receives a Hold rating with a composite score of 45.3/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.BHF ranks #1,086 out of 4,446 stocks in our coverage universe. Within the Financials sector, Brighthouse Financial, Inc. ranks #334 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BHF Stock Price and 52-Week Range

Brighthouse Financial, Inc. (BHF) currently trades at $60.73. The stock gained $0.04 (0.1%) in the most recent trading session. The 52-week high for BHF is $66.33, which means the stock is currently trading -8.4% from its annual peak. The 52-week low is $42.07, putting the stock 44.4% above its annual trough. Recent trading volume was 456K shares, suggesting relatively thin trading activity.

Is BHF Overvalued or Undervalued? — Valuation Analysis

Brighthouse Financial, Inc. (BHF) carries a value factor score of 79/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 7.21x, compared to the Financials sector average of 14.88x — a discount of 52%. The price-to-book ratio stands at 0.54x, versus the sector average of 1.22x. The price-to-sales ratio is 0.49x, compared to 0.90x for the average Financials stock. On an enterprise value basis, BHF trades at 1.28x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, Brighthouse Financial, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

Brighthouse Financial, Inc. Profitability — ROE, Margins, and Quality Score

Brighthouse Financial, Inc. (BHF) earns a quality factor score of 48/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 7.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.2% versus the sector average of 1.2%.

On a margin basis, Brighthouse Financial, Inc. reports gross margins of 0.0%. The operating margin is 68.3% (sector: 21.8%). Net profit margin stands at 8.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 27.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

BHF Debt, Balance Sheet, and Financial Health

Brighthouse Financial, Inc. has a debt-to-equity ratio of 49.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.03x, suggesting adequate working capital coverage. Total debt on the balance sheet is $3.15B. Cash and equivalents stand at $6.61B.

BHF has a beta of 1.12, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Brighthouse Financial, Inc. is 53/100, reflecting average volatility within the normal range for its sector.

Brighthouse Financial, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Brighthouse Financial, Inc. reported revenue of $7.09B and earnings per share (EPS) of $7.93. Net income for the quarter was $478M. Gross margin was 0.0%. Operating income came in at $5.15B.

In Q3 2025, Brighthouse Financial, Inc. reported revenue of $1.82B and earnings per share (EPS) of $7.93. Net income for the quarter was $481M. Revenue grew -10.0% year-over-year compared to Q3 2024. Operating income came in at $1.34B.

In Q2 2025, Brighthouse Financial, Inc. reported revenue of $871M and earnings per share (EPS) of $1.03. Net income for the quarter was $85M. Revenue grew -39.0% year-over-year compared to Q2 2024. Operating income came in at $389M.

In Q1 2025, Brighthouse Financial, Inc. reported revenue of $2.39B and earnings per share (EPS) of $-5.04. Net income for the quarter was $-266M. Revenue grew 3129.7% year-over-year compared to Q1 2024. Operating income came in at $1.90B.

Over the past 8 quarters, Brighthouse Financial, Inc. has demonstrated a growth trajectory, with revenue expanding from $74M to $7.09B. Investors analyzing BHF stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BHF Dividend Yield and Income Analysis

Brighthouse Financial, Inc. (BHF) does not currently pay a dividend. This is common among smaller companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

BHF Momentum and Technical Analysis Profile

Brighthouse Financial, Inc. (BHF) has a momentum factor score of 43/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 5/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

BHF vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Brighthouse Financial, Inc. (BHF) ranks #334 out of 891 stocks based on the Blank Capital composite score. This places BHF in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing BHF against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BHF vs S&P 500 (SPY) comparison to assess how Brighthouse Financial, Inc. stacks up against the broader market across all factor dimensions.

BHF Next Earnings Date

No upcoming earnings date has been announced for Brighthouse Financial, Inc. (BHF) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy BHF? — Investment Thesis Summary

Brighthouse Financial, Inc. presents a balanced picture with arguments on both sides. The value score of 79/100 suggests attractive pricing relative to fundamentals.

In summary, Brighthouse Financial, Inc. (BHF) earns a Hold rating with a composite score of 45.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BHF stock.

Related Resources for BHF Investors

Explore more research and tools: BHF vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BHF head-to-head with peers: BHF vs WTM, BHF vs OPY, BHF vs ACT.