Bull Rankings model

Brighthouse Financial, Inc. (BHF) stock analysis

Insurance - Life. Scored on the same transparent model behind the daily rankings.

★
BHF
Brighthouse Financial, Inc. · Insurance - Life
68.6Financial strength
$47.89Oct 14, 1:35 PM ET$2.8B
1Y Target$63.33Analyst consensus · 6 analysts
5Y Target$92.73Compound horizon
10Y Target$137.55Long-dated conviction
Rev+46.3%
A
Revenue +46.3% — hypergrowth, top decile
P/E3.8x
A
P/E 3.8 — cheapest decile in Financial Services (≈10th pctile)
ROE13.5%
B
ROE 13.5% — acceptable capital return
P/B0.42
A
P/B 0.42 — below book value; deep value (verify asset quality)
Yield0.0%
C
No dividend / yield n/a

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 68.6 / 100
Profitability69.1
Value (P/B)100.0
Income30.0

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
28% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Life · market cap $2.8b. Down 28% from 52-week high of $66.80 — deep drawdown territory. Revenue growing +46% — in hypergrowth territory. 6 sell-side analysts rate this a Hold with a mean 1-yr target of $63.33 (implying +32% upside).
Moat
Net margin 12% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Horizon
1-3 yr $63.33 (6-analyst consensus) — fundamentals + valuation re-rating. 5 yr $92.73 at ~14% CAGR — compounding case rests on the competitive position widening. 10 yr $137.55 if current growth sustains into durable earnings power.
Score history · BHF

Not enough history yet — the model records BHF's score after each daily run, and the chart appears once a few days have accumulated.

BHF at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY69VALUE100COVERED INCOME3068.6/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$47.9LOW $44.5HIGH $66.8Trading near its 52-week low ($44.5–$66.8).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+1%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-0.3%
90-day change+1.6%
Forward EPS estimate$20.09

Over the last 90 days, what analysts expect BHF to earn is drifting higher (+1.6%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Position sizing · BHF
Shares to buy
41
Position size
$1,963
3.9% of portfolio
Stop price
$35.92
25% below $47.89
$ at risk if stopped
$490.87
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Brighthouse Financial, Inc. (BHF): score, valuation & FAQ

Brighthouse Financial, Inc. (BHF) is an Insurance - Life company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are Rev (A), P/E (A) and P/B (A).

Is BHF a good stock to buy?

Bull Rankings grades BHF on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Rev (A), P/E (A) and P/B (A). A score is a quantitative screen of Brighthouse Financial, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade BHF?

As a bank, insurer or REIT, BHF isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Rev (A), P/E (A) and P/B (A).

Is BHF overvalued or undervalued?

We don't publish a discounted-cash-flow value for BHF, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. BHF is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in BHF?

Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.

New to these metrics? See the guides and the methodology.

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