Brighthouse Financial, Inc. (BHF) AI Stock Analysis

Established in 2016 and headquartered in Charlotte, North Carolina, Brighthouse Financial, Inc. provides annuity and life insurance products to individuals across the United States. The company operates through three core segments: Annuities, Life, and Run-off. The Annuities segment offers variable, fixed, index-linked, and income annuities for tax-deferred wealth accumulation and income security. The Life segment provides term life, universal life, whole life, and variable life policies for financial security and wealth transfer. Its Run-off segment manages structured settlements, pension risk transfer contracts, company-owned life insurance policies, funding agreements, and universal life policies with secondary guarantees.

Brighthouse Financial experienced revenue volatility over the past five years, reflecting a 5-year revenue CAGR of -6.1% from FY2020 to FY2025. Annual revenue decreased 16.0% in FY2021 to $7.14B, fell 7.2% to $6.63B in FY2022, and dropped 40.4% to $3.95B in FY2023. Revenue subsequently rebounded, rising 10.6% to $4.37B in FY2024 and 42.2% to $6.21B in FY2025. Net income was -$103.0M in FY2021, rose to $3.88B in FY2022, dropped to -$1.11B in FY2023, and recovered to $388.0M in FY2024 and $433.0M in FY2025. For the latest quarter ended June 30, 2026, quarterly revenue growth was 86.7% year-over-year, while quarterly earnings growth reached 1520.6%.

As of June 30, 2026, Brighthouse Financial held $7.11B in cash and short-term investments against total debt of $3.15B, resulting in net cash of $3.95B. Total assets stood at $247.18B and shareholders' equity was $6.55B, with a debt-to-equity ratio of 0.48 and a current ratio of 8792.80. In FY2025, operating cash flow was -$102.0M and free cash flow was -$102.0M. Capital deployment in FY2025 included $102.0M directed to share buybacks and $102.0M paid in dividends, contributing to a 5-year share count change of -28.1%.

BHF closed at $47.77 on October 16, 2026, trading at a trailing P/E of 3.8x and a forward P/E of 3.4x, both lower than the median of its US-listed Financial Services peers at 12.1x and 10.8x. Its price-to-sales multiple is 0.4x compared to the peer median of 3.2x, while price-to-book stands at 0.5x. Over the past year, BHF returned 5.8%, lagging the 16.8% return of the S&P 500 (SPY). Over five years, BHF declined 3.2% compared to an 83.0% gain for the S&P 500.

Wall Street coverage consists of 7 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target of $61.67 sits 29.1% above the last close of $47.77. For the fiscal year ending December 31, 2026, analysts estimate revenue of $8.64B and EPS of $19.06, representing an EPS growth estimate of -31.7%. For the following fiscal year, 4 analysts project revenue of $8.80B and EPS of $20.08. Brighthouse Financial beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is November 5, 2026.

This page is an AI-written research summary of Brighthouse Financial, Inc. (BHF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BHF income statement, BHF balance sheet, BHF key metrics, BHF analyst forecast, BHF chart. See the BHF stock overview for the latest quote and news.