BHF Financial Services

Brighthouse Financial, Inc.

$42.60-2.19%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Insurance - Life
Country: United States
Market cap: 2.4B USD
Full-time employees: 1,400

Overall health

Strength: growing faster than most peersgrowing faster than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: less profitable than most peersless profitable than peers

Ranks #159 of 791 banks & insurance companies (top 21%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Share count shrinking. Shares outstanding down 16% from December 2022 to July 2026.
Brighthouse Financial had 16% fewer shares at July 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.

StockQuotient Score

64/ 100

Oct 5 64 → Nov 4 64

Valuation

Is the price right?

97/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Stronger than most peers on:

▲ Earnings yield
▲ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield265.1%

SEC filings · latest balance sheetReported value40% base weight · Z-score 6.53Sector median: 0.7950 · MAD: 0.2843

Earnings yield29.5%

SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile60% base weight · Z-score 5.25Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield-22.0%

Yahoo Finance fallback · SEC cash flow or share count unavailable · trailing 12 months · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share priceInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

68/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 12.7%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth28.9%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.73Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth37.8%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth2.6%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

28/100

Weak

2/2 inputs reported · High confidence

Since last quarter: ▲ Stronger

Turned profitable over the last 12 months
Net margin rose 13.8 points to 11.0%

Why

Weaker than most peers on:

▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.41Sector median: 0.0117 · MAD: 0.0062

Return on equity11.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.10Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Brighthouse Financial

Is Brighthouse Financial getting weaker?: Its latest SEC filing (Aug 6, 2026) got stronger: turned profitable over the last 12 months; net margin rose 13.8 points to 11.0%. Its overall score is unchanged at 64/100 since Oct 28, 2026.
How is Brighthouse Financial valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 97/100 against 950 banks & insurance peers. Earnings yield 29.5% vs a peer median of 7.9% (stronger than 95% of peers).Earnings yield 29.5% vs peers 7.9% (stronger than 95% of peers).
Is Brighthouse Financial growing?: Yes, faster than most of its peers. Growth scores 68/100 against 950 banks & insurance peers. Earnings per share growth 28.9% vs a peer median of 16.0% (stronger than 68% of peers).Earnings per share growth 28.9% vs peers 16.0% (stronger than 68% of peers).
How profitable is Brighthouse Financial?: Less profitable than most of its peers. Profitability scores 28/100 against 950 banks & insurance peers. Return on assets 0.3% vs a peer median of 1.2% (weaker than 89% of peers).Return on assets 0.3% vs peers 1.2% (weaker than 89% of peers).
How risky is Brighthouse Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

Got stronger

Turned profitable over the last 12 months
Net margin rose 13.8 points to 11.0%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	5.9B USD	6.7B USD	+12.7%
Net income (12 months)	−167.0M USD	729.0M USD	turned positive
Debt	3.2B USD	3.2B USD	0.0%
Cash	4.9B USD	7.1B USD	+44.8%
Shares outstanding	57.4M	57.5M	+0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Banks & Insurance · 209 companies

Valuations in Banks & Insurance are within their usual range since 2016.

55% of months since 2016 were valued lower than now.
27% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +25% and earnings +33% (medians): prices and earnings moved broadly together.
Median price-to-book is −57% vs the whole market, against a usual −57%.

2016Shaded: most expensive fifth of its range2026

Shown for Banks & Insurance: too few Insurance - Life companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	33.0%	56.4%	-27.0%	8.2%	6.4%	▼ 1.8 pts
Return on assets (ROA)	0.6%	1.7%	-0.5%	0.2%	0.2%	▲ 0.0 pts
Return on equity (ROE)	10.2%	70.1%	-22.5%	7.8%	6.4%	▼ 1.4 pts
Debt to equity	0.20×	0.57×	0.64×	0.64×	0.47×	▼ 27%

BHF price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: less profitable than most peersless profitable than peers

Ranks #159 of 791 banks & insurance companies (top 21%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Brighthouse Financial

Is Brighthouse Financial getting weaker?

Its latest SEC filing (Aug 6, 2026) got stronger: turned profitable over the last 12 months; net margin rose 13.8 points to 11.0%. Its overall score is unchanged at 64/100 since Oct 28, 2026.

How is Brighthouse Financial valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 97/100 against 950 banks & insurance peers. Earnings yield 29.5% vs a peer median of 7.9% (stronger than 95% of peers).Earnings yield 29.5% vs peers 7.9% (stronger than 95% of peers).

Is Brighthouse Financial growing?

Yes, faster than most of its peers. Growth scores 68/100 against 950 banks & insurance peers. Earnings per share growth 28.9% vs a peer median of 16.0% (stronger than 68% of peers).Earnings per share growth 28.9% vs peers 16.0% (stronger than 68% of peers).

How profitable is Brighthouse Financial?

Less profitable than most of its peers. Profitability scores 28/100 against 950 banks & insurance peers. Return on assets 0.3% vs a peer median of 1.2% (weaker than 89% of peers).Return on assets 0.3% vs peers 1.2% (weaker than 89% of peers).

How risky is Brighthouse Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

5.9B USD

6.7B USD

+12.7%

Net income (12 months)

−167.0M USD

729.0M USD

turned positive

Debt

3.2B USD

3.2B USD

0.0%

Cash

4.9B USD

7.1B USD

+44.8%

Shares outstanding

57.4M

57.5M

+0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

33.0%

56.4%

-27.0%

8.2%

6.4%

▼ 1.8 pts

Return on assets (ROA)

0.6%

1.7%

-0.5%

0.2%

▲ 0.0 pts

Return on equity (ROE)

10.2%

70.1%

-22.5%

7.8%

6.4%

▼ 1.4 pts

Debt to equity

0.20×

0.57×

0.64×

0.47×

▼ 27%