US · BHF
Brighthouse Financial, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Charlotte, NC 28277
- Website
- brighthousefinancial.com
Price · as of 2025-12-31
$62.65
Market cap 3.43B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $122.09 | +94.88% |
| Intrinsic Value(DCF) | $23.96 | -61.76% |
| Graham-Dodd Method(GD) | $129.49 | +106.69% |
| Graham Formula(GF) | $367.30 | +486.26% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | $187.30 | $24.13 | |||
| 2016 | $1.39 | $1,340.20 | |||
| 2017 | $53.86 | $141.56 | $0.00 | $0.00 | $0.00 |
| 2018 | $37.62 | $78.95 | $0.00 | $159.47 | $247.09 |
| 2019 | $29.77 | $66.23 | $0.00 | $108.05 | $116.39 |
| 2020 | $44.62 | $103.71 | $0.00 | $126.46 | $0.00 |
| 2021 | $46.21 | $153.34 | $713.90 | $295.65 | $0.00 |
| 2022 | $48.75 | $123.73 | $0.00 | $319.27 | $4,754.23 |
| 2023 | $46.20 | $141.93 | $33.10 | $0.00 | $534.31 |
| 2024 | $54.21 | $105.19 | $0.00 | $75.35 | $99.48 |
| 2025 | $59.90 | $122.09 | $0.00 | $129.49 | $367.30 |
AI valuation
Our deep-learning model estimates Brighthouse Financial, Inc.'s (BHF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $122.09
- Current price
- $62.65
- AI upside
- +94.88%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$23.96
-61.76% upside
Graham-Dodd
$129.49
+106.69% upside
Graham Formula
$367.30
+486.26% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BHF | Brighthouse Financial, In… | $62.65 | 3.43B | +95% | -62% | +107% | +486% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| APAM | Artisan Partners Asset Ma… | $40.28 | 2.84B | +88% | +72% | -34% | +56% | 9.89 | 6.54 | 2.40 | 6.19 | 92.77 | 6.54 | 45.72% | 33.39% | 24.26% | 70.14% | 60.82% | 18.17% | 0.93 | 46.73 | 20.33 | 20.33 | 0.32 | 1066.00% | 763.00% | -9963.00% | 0.05% | 0.10 | 0.27% | 0.00% | 0.00% | 0.00% | 7.57 | 2243.71 | 2.53 | 4.25 |
| BFH | Bread Financial Holdings,… | $70.86 | 3.23B | +40% | -4% | +46% | +1% | 6.24 | 0.97 | 0.69 | 5.55 | 6.29 | 1.24 | 63.33% | 13.07% | 11.02% | 16.24% | 11.82% | 2.27% | 1.32 | 0.72 | 0.27 | 0.27 | 1.14 | 9927.00% | -206.00% | 1253.00% | 64.72% | 0.14 | 47.37% | 1.30% | 8.10% | 48.63% | 6.27 | 1.84 | 0.82 | -0.08 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CNO | CNO Financial Group, Inc. | $41.81 | 3.99B | +17% | -58% | -8% | -49% | 18.13 | 1.58 | 0.93 | 13.78 | — | 1.58 | 44.79% | 6.54% | 5.11% | 8.93% | 14.01% | 0.60% | 1.54 | 1.27 | — | — | 5.85 | -3717.00% | 94.00% | 765.00% | 16.25% | — | 41.28% | 0.00% | 0.00% | 0.00% | 24.63 | 10.69 | 1.61 | 0.33 |
| FBP | First BanCorp. | $21.13 | 3.34B | +147% | +21% | -56% | +21% | 9.92 | 1.78 | 2.49 | -5.28 | 169.70 | 1.83 | 70.74% | 32.80% | 25.04% | 18.87% | -8.27% | 1.56% | 0.34 | 1.36 | 0.34 | 0.34 | -1.43 | 585.00% | 616.00% | 1580.00% | 13.30% | 0.02 | -10.91% | 3.56% | 35.30% | 27.14% | -5.62 | -5.58 | -1.84 | -0.33 |
| FG | F&G Annuities & Life, Inc… | $22.65 | 3.07B | +56% | +275% | -36% | +22% | 10.84 | 0.61 | 0.51 | 3.20 | — | -0.80 | 30.85% | 5.64% | 4.62% | 6.19% | -1.47% | 0.30% | 0.47 | 1.97 | — | — | 0.65 | -6148.00% | 572.00% | -2191.00% | 158.87% | — | -25.29% | 4.66% | 50.60% | 5.01% | 11.42 | 0.79 | 0.64 | 0.14 |
| GNW | Genworth Financial, Inc. | $8.44 | 3.37B | +127% | -59% | +194% | +3% | 9.99 | 0.40 | 0.48 | 5.53 | — | 0.40 | 21.18% | 4.78% | 4.78% | 4.06% | 5.35% | 0.73% | 0.17 | 3.32 | — | — | -0.97 | -2059.00% | 221.00% | 27159.00% | 9.35% | — | 6.22% | 0.66% | 6.60% | 7.72% | 8.52 | 9.09 | 0.41 | 1.24 |
| NMIH | NMI Holdings, Inc. | $39.31 | 3.02B | +898% | +3,601% | +49% | +106% | 7.91 | 1.19 | 4.36 | 6.53 | 71.51 | 1.19 | 91.83% | 70.84% | 55.12% | 16.17% | 14.03% | 10.82% | 0.16 | 17.55 | 0.00 | 0.00 | 0.71 | 1106.00% | 839.00% | 668.00% | 13.41% | 0.00 | 14.88% | 0.00% | 0.00% | 3.42% | 6.90 | 8.36 | 4.89 | -123.67 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
About Brighthouse Financial, Inc.
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.
- CEO
- Eric Thomas Steigerwalt
- Employees
- 1.4K
- Beta
- 0.96
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($23.96 ÷ $62.65) − 1 = -61.76% (DCF, example).