US · BHFAM
Brighthouse Financial, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Charlotte, NC 28277
- Website
- brighthousefinancial.com
Price · as of 2025-12-31
$11.75
Market cap 703.94M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $103.00 | +776.6% |
| Intrinsic Value(DCF) | $4.86 | -58.64% |
| Graham-Dodd Method(GD) | $129.49 | +1,002.03% |
| Graham Formula(GF) | $367.30 | +3,025.91% |
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 | $159.47 | $247.09 | |||
| 2019 | $108.05 | $116.39 | |||
| 2020 | $126.46 | $0.00 | |||
| 2021 | $14.82 | $140.78 | $713.90 | $295.65 | $0.00 |
| 2022 | $12.57 | $109.26 | $0.00 | $319.27 | $4,754.23 |
| 2023 | $14.55 | $129.27 | $33.10 | $0.00 | $534.31 |
| 2024 | $14.09 | $89.14 | $0.00 | $75.35 | $99.48 |
| 2025 | $12.16 | $103.00 | $0.00 | $129.49 | $367.30 |
AI valuation
Our deep-learning model estimates Brighthouse Financial, Inc.'s (BHFAM) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $103.00
- Current price
- $11.75
- AI upside
- +776.6%
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
$4.86
-58.64% upside
Graham-Dodd
$129.49
+1,002.03% upside
Graham Formula
$367.30
+3,025.91% 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 |
| BHFAM | Brighthouse Financial, In… | $11.75 | 703.94M | +777% | -59% | +1,002% | +3,026% | 1.61 | 0.10 | 0.11 | -2.45 | 6.48 | 0.10 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -14.67% | — | -2.68% | 14.67% | 23.60% | 78.54% | -3.24 | 15.07 | -0.25 | 0.06 |
| ABL | Abacus Global Management,… | $8.74 | 854.36M | +280% | -27% | -89% | — | -20.47 | 1.20 | 4.56 | 60.07 | — | 4.81 | 89.84% | -0.79% | -21.41% | -8.47% | -0.19% | -4.13% | 0.91 | -0.05 | 2.55 | 2.54 | 19.97 | -31250.00% | 6856.00% | 22392.00% | -41.09% | -3.34 | -43.85% | 0.00% | 0.00% | 2.11% | -860.43 | -3.65 | 6.83 | 0.84 |
| ABLLL | Abacus Life, Inc. 9.875% … | $26.04 | 2.55B | +57% | +102% | -96% | — | -77.73 | 4.39 | 16.64 | 313.24 | — | 17.56 | 89.84% | -0.79% | -21.41% | -8.15% | -0.19% | -3.95% | 0.91 | -0.05 | 2.55 | 2.54 | 37.59 | -31250.00% | 6856.00% | 22389.00% | -11.25% | -3.34 | -43.85% | 0.00% | 0.00% | 0.58% | -2382.54 | -10.10 | 18.91 | 2.59 |
| ACIC | American Coastal Insuranc… | $11.39 | 555.44M | +870% | +21% | -65% | +181% | 7.14 | 2.29 | 1.82 | 3.33 | — | 3.17 | 52.70% | 37.62% | 25.52% | 37.44% | 193.20% | 6.65% | 0.65 | 9.30 | — | — | 0.12 | -7808.00% | 1251.00% | -27877.00% | 45.06% | — | 561.53% | 4.46% | 31.80% | 4.46% | 3.65 | 1.67 | 1.37 | 0.66 |
| AXG | Solowin Holdings Ordinary… | $3.72 | 161.82M | +1,942% | -81% | — | -55% | -23.11 | 5.35 | 70.00 | -20.89 | -10.42 | 5.45 | 76.16% | -288.47% | -302.87% | -16.05% | -21.24% | -7.91% | 0.23 | -1626.40 | 1.29 | 0.55 | 2.55 | 22180.00% | -3404.00% | -8000.00% | -0.58% | -0.02 | -2.99% | 0.00% | 0.00% | 6.67% | -21.62 | -153.57 | 62.37 | 0.31 |
| CAC | Camden National Corporati… | $46.16 | 781.13M | +11% | +40% | -50% | +83% | 10.94 | 1.09 | 2.00 | 4.79 | 50.00 | 1.33 | 59.41% | 22.59% | 18.29% | 10.33% | 18.19% | 0.92% | 1.03 | 0.56 | 0.15 | 0.15 | 4.76 | 2189.00% | 1574.00% | -1469.00% | 9.54% | 0.01 | 19.00% | 4.23% | 46.30% | 21.78% | 5.07 | 6.00 | 1.15 | -0.62 |
| CUBI | Customers Bancorp, Inc. | $67.44 | 2.31B | -4% | +374% | +33% | +16% | 10.54 | 1.12 | 1.67 | 5.88 | 48.32 | 1.12 | 51.59% | 21.97% | 15.84% | 11.34% | -65.45% | 0.95% | 0.81 | 0.51 | 1.19 | 1.19 | 4.67 | 2181.00% | 394.00% | 50225.00% | 20.37% | 0.03 | -130.40% | 0.46% | 4.80% | 6.73% | 6.65 | 4.30 | 1.46 | 0.39 |
| DGICA | Donegal Group Inc. | $17.62 | 639.97M | +187% | -52% | +91% | +2% | 6.85 | 0.85 | 0.56 | 5.58 | 16.14 | 0.95 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.66 | — | 0.56 | 0.92 |
| EGBN | Eagle Bancorp, Inc. | $25.45 | 772.95M | -25% | +23% | -74% | — | -13.58 | 0.52 | 0.90 | 8.70 | — | 0.52 | 34.54% | -4.27% | -6.65% | -3.76% | -6.76% | -0.41% | 0.51 | -0.08 | 0.16 | 0.16 | 0.29 | -14713.00% | 937.00% | -3688.00% | 19.33% | 0.01 | 27.59% | 7.14% | -97.00% | 129.66% | 7.78 | -1.91 | -0.33 | -0.66 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
| TIPT | Tiptree Inc. | $17.03 | 644.14M | +111% | -18% | -77% | +163% | 9.62 | 1.84 | 0.41 | -0.77 | 3.27 | 7.99 | 58.82% | 7.31% | 2.61% | 20.05% | -17.74% | 1.62% | 0.94 | 4.63 | — | — | 0.53 | 29394.00% | 2388.00% | 31225.00% | 28.08% | — | -47.91% | 2.94% | 28.30% | 2.94% | -1.05 | -0.66 | -0.08 | 0.57 |
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 ($4.86 ÷ $11.75) − 1 = -58.64% (DCF, example).