Brighthouse Financial Inc. Common Stock (BHF)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Judge a life insurer by its balance sheet, not by a single quarter. Brighthouse sells annuities and life insurance in the U.S. At the 2026-10-13 close of $47.92, the market values the equity at $2.8B. FairStock calculations show a price-to-book of 0.42 and a price-to-earnings of 3.80. That looks statistically cheap. But reported results are erratic. In fiscal year 2023, the year ended 2023-12-31, Brighthouse lost $1.1B. In fiscal year 2024, the year ended 2024-12-31, it earned $388M. In fiscal year 2025, the year ended 2025-12-31, it earned $433M. In fiscal Q1 2026, the quarter ended 2026-03-31, it lost $766M, or $13.82 per diluted share. Then in fiscal Q2 2026, the quarter ended 2026-06-30, it earned $981M, or $16.53 per diluted share, on revenue of $1.6B. That is not steady compounding; it is volatility. FairStock ROE is 13.54%, but ROCE is only 0.33% and debt-to-equity is 1.78. The Piotroski F-Score is 4/9. The Lynch category is TURNAROUND, because it returned to profit after a loss within three years. A low price-to-book can be a margin of safety, but only if reserves and investment portfolios are sound. CET1, NIM and combined ratio are not in the data; for an insurer I would want reserve adequacy, capital levels and credit quality. Without them, this is a cheap-looking but unproven turnaround.

In plain English: Brighthouse Financial sells annuities and life insurance in the United States. The business has swung between losses and profits, but its most recent reported quarter was very profitable. At the October 13, 2026 closing price of $47.92, the price looks low compared with the company's reported earnings and accounting value, though those numbers move around a lot.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer