US · BHFAL
Brighthouse Financial, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Charlotte, DE
- Website
- brighthousefinancial.com
Price · as of 2025-12-31
$17.05
Market cap 2.49B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $105.12 | +516.54% |
| Intrinsic Value(DCF) | $6.99 | -59% |
| Graham-Dodd Method(GD) | $129.49 | +659.47% |
| Graham Formula(GF) | $367.30 | +2,054.22% |
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 | $0.00 | $0.00 | |||
| 2018 | $15.68 | $70.17 | $0.00 | $159.47 | $247.09 |
| 2019 | $17.24 | $61.22 | $0.00 | $108.05 | $116.39 |
| 2020 | $19.03 | $93.48 | $0.00 | $126.46 | $0.00 |
| 2021 | $18.77 | $142.36 | $713.90 | $295.65 | $0.00 |
| 2022 | $18.66 | $111.69 | $0.00 | $319.27 | $4,754.23 |
| 2023 | $19.83 | $131.38 | $33.10 | $0.00 | $534.31 |
| 2024 | $19.64 | $91.36 | $0.00 | $75.35 | $99.48 |
| 2025 | $17.48 | $105.12 | $0.00 | $129.49 | $367.30 |
AI valuation
Our deep-learning model estimates Brighthouse Financial, Inc.'s (BHFAL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $105.12
- Current price
- $17.05
- AI upside
- +516.54%
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
$6.99
-59% upside
Graham-Dodd
$129.49
+659.47% upside
Graham Formula
$367.30
+2,054.22% 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 |
| BHFAL | Brighthouse Financial, In… | $17.05 | 2.49B | +517% | -59% | +659% | +2,054% | 2.31 | 0.15 | 0.16 | -1.97 | 9.31 | 0.15 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -10.21% | — | -2.68% | 10.21% | 23.60% | 54.64% | -2.60 | 12.08 | -0.20 | 0.06 |
| BBUC | Brookfield Business Corpo… | $34.45 | 2.41B | +18% | -69% | — | — | -1.01 | -33.12 | 0.24 | 11.53 | — | -0.18 | 7.80% | 0.77% | -10.82% | -469.43% | 0.69% | -9.57% | -148.64 | — | 0.61 | 0.52 | 9.21 | -33181.00% | 683.00% | -1774.00% | -20.88% | -0.02 | -4.82% | 0.92% | -0.90% | 31.68% | 154.22 | -23.81 | 1.18 | 0.38 |
| BOH | Bank of Hawaii Corporatio… | $75.77 | 3.01B | -33% | -3% | -62% | -10% | 15.04 | 1.67 | 2.86 | 7.17 | 44.87 | 1.70 | 67.44% | 26.75% | 19.00% | 11.70% | 57.25% | 0.86% | 0.05 | 0.83 | 11.00 | 11.00 | -2.73 | 3353.00% | 525.00% | 919.00% | 5.95% | 2.36 | 46.30% | 3.65% | 54.90% | 30.97% | 7.74 | 12.17 | 2.07 | 0.34 |
| BUR | Burford Capital Limited | $8.44 | 1.85B | +269% | -22% | +22% | — | 26.50 | 0.78 | 4.63 | 14.20 | — | 0.83 | 88.28% | 56.15% | 17.46% | 2.97% | 5.20% | 1.13% | 0.88 | 1.50 | 2.95 | 3.80 | -2.36 | -5758.00% | -1247.00% | -11356.00% | -1.53% | -0.13 | -0.76% | 1.43% | 37.90% | 99.43% | 14.70 | -116.45 | 8.25 | 0.96 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| GSHD | Goosehead Insurance, Inc | $54.20 | 1.35B | +155% | -27% | — | -51% | 31.09 | -14.47 | 3.78 | 20.38 | — | -10.22 | 46.25% | 20.38% | 7.62% | -172.24% | 31.25% | 10.94% | -4.22 | 3.13 | 7.60 | 20.55 | 4.30 | -1034.00% | 1615.00% | 2200.00% | 6.23% | 7.87 | 41.33% | 10.55% | 328.00% | 16.46% | 23.52 | 20.34 | 4.79 | 2.68 |
| HCI | HCI Group, Inc. | $176.42 | 2.29B | +13% | +3,630% | +26% | +308% | 6.18 | 1.90 | 2.20 | 0.46 | 3.44 | 1.91 | 73.16% | 47.65% | 33.19% | 42.88% | -55.79% | 13.46% | 0.03 | 46.89 | 145.90 | 145.90 | -2.62 | 17975.00% | 2021.00% | 3560.00% | 22.44% | 34.77 | -77.40% | 0.00% | 0.00% | 42.01% | 0.48 | 0.46 | 0.23 | 2.97 |
| HG | Hamilton Insurance Group,… | $31.59 | 3.17B | +214% | +652% | +78% | +308% | 3.81 | 1.13 | 1.17 | 2.53 | 6.96 | 1.17 | 60.27% | 30.08% | 21.03% | 32.62% | 59.24% | 9.67% | 0.05 | 40.86 | 0.85 | 1.53 | -1.19 | 5477.00% | 1529.00% | 1094.00% | 26.31% | 0.61 | 60.50% | 0.00% | 0.00% | 9.01% | 2.64 | 2.59 | 0.79 | 1.08 |
| JXN | Jackson Financial Inc. | $109.48 | 7.44B | +18% | -59% | -12% | -58% | — | 0.79 | 1.17 | -297.35 | — | 0.79 | 85.47% | -1.71% | 0.40% | 0.00% | 0.39% | 0.00% | 0.20 | -1.14 | 0.38 | 0.38 | 262.43 | -10204.00% | 11614.00% | -60.00% | 73.47% | 0.38 | -48.72% | 2.85% | — | 66.05% | -36.52 | 0.72 | 0.62 | 0.03 |
| PFS | Provident Financial Servi… | $21.04 | 2.75B | +36% | +500% | +56% | +201% | 9.64 | 0.99 | 2.03 | 4.78 | 8.58 | 1.37 | 62.69% | 29.52% | 21.06% | 10.72% | 14.47% | 1.19% | 0.89 | 0.80 | — | — | 5.65 | 11238.00% | 2125.00% | 133.00% | 15.34% | — | 21.41% | 0.00% | 0.00% | 0.00% | 4.78 | 4.53 | 1.41 | 0.42 |
| SF | Stifel Financial Corp. | $74.05 | 11.46B | -1% | +57% | +4% | +33% | 11.36 | 1.30 | 1.23 | 5.12 | — | 1.76 | 86.56% | 13.83% | 10.86% | 11.72% | 16.19% | 1.68% | 0.14 | 1.07 | 4.49 | 6.49 | -1.50 | -592.00% | 694.00% | 15320.00% | 13.58% | 1.31 | 24.98% | 0.00% | 0.00% | 19.25% | 5.48 | 4.53 | 0.76 | 0.58 |
About Brighthouse Financial, Inc.
Brighthouse Financial, Inc. operates as a holding company, which engages in the provision of life insurance and annuities through independent distribution channels and marketing arrangements with a diverse network of distribution partners. It operates through the following segments: Annuities, Life, Run-Off, and Corporate & Others. The Annuities segment product offerings include fixed, structured, income and variable annuities. The Life segment manufactures products to serve its target segments through a broad independent distribution network. The Run-Off segment includes structured settlements, pension risk transfer contracts, certain company-owned life insurance policies, funding agreements and universal life with secondary guarantees. The Corporate & Other segment refers to the general account investments and the separate account assets of the company. The company was founded in June 1863 and is headquartered in Charlotte, NC.
- CEO
- None
- Employees
- 1.5K
- Beta
- 0.97
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6.99 ÷ $17.05) − 1 = -59% (DCF, example).