US · BHFAO
Brighthouse Financial, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Charlotte, NC 28277
- Website
- brighthousefinancial.com
Price · as of 2025-12-31
$16.71
Market cap 976.13M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $105.00 | +528.37% |
| Intrinsic Value(DCF) | $6.87 | -58.89% |
| Graham-Dodd Method(GD) | $129.49 | +674.92% |
| Graham Formula(GF) | $367.30 | +2,098.06% |
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 | $19.27 | $93.57 | $0.00 | $126.46 | $0.00 |
| 2021 | $19.01 | $142.46 | $713.90 | $295.65 | $0.00 |
| 2022 | $19.08 | $111.86 | $0.00 | $319.27 | $4,754.23 |
| 2023 | $20.98 | $131.84 | $33.10 | $0.00 | $534.31 |
| 2024 | $19.98 | $91.50 | $0.00 | $75.35 | $99.48 |
| 2025 | $17.17 | $105.00 | $0.00 | $129.49 | $367.30 |
AI valuation
Our deep-learning model estimates Brighthouse Financial, Inc.'s (BHFAO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $105.00
- Current price
- $16.71
- AI upside
- +528.37%
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
$6.87
-58.89% upside
Graham-Dodd
$129.49
+674.92% upside
Graham Formula
$367.30
+2,098.06% 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 |
| BHFAO | Brighthouse Financial, In… | $16.71 | 976.13M | +528% | -59% | +675% | +2,098% | 2.27 | 0.15 | 0.16 | -2.00 | 9.15 | 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% | -10.39% | — | -2.68% | 10.39% | 23.60% | 55.62% | -2.64 | 12.26 | -0.20 | 0.06 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BOW | Bowhead Specialty Holding… | $25.33 | 830.4M | +227% | +2,362% | -14% | +136% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| ESQ | Esquire Financial Holding… | $100.98 | 864.94M | -52% | +174% | -52% | +17% | 12.83 | 2.36 | 4.05 | 3.07 | 273.93 | 2.36 | 86.88% | 42.87% | 31.57% | 20.04% | -39.74% | 2.49% | 0.00 | 4.41 | 0.23 | 0.23 | -2.02 | 468.00% | 1367.00% | -85.00% | 6.97% | 0.03 | -35.55% | 0.87% | 11.10% | 0.87% | 3.24 | 4.92 | 1.39 | -0.31 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| HIPO | Hippo Holdings Inc. | $28.76 | 728.64M | +228% | +3,759% | -78% | — | -26.08 | 2.06 | 2.00 | -132.94 | — | 2.51 | 19.97% | -7.36% | -10.88% | -7.73% | -71.82% | -1.86% | 0.03 | — | 1.36 | 1.36 | 44.67 | -8584.00% | 7744.00% | -13393.00% | 6.33% | 0.18 | 123.72% | 0.00% | 0.00% | 10.18% | -20.38 | 11.83 | 1.50 | -0.52 |
| HRTG | Heritage Insurance Holdin… | $27.87 | 861.5M | +1% | -31% | -30% | +35% | 5.66 | 1.20 | 0.43 | -0.53 | 34.96 | 1.37 | 21.88% | 10.12% | 7.53% | 24.08% | -41.50% | 2.68% | 0.49 | 7.56 | — | — | -3.02 | 1618.00% | 1108.00% | 3030.00% | 22.65% | — | -53.19% | 0.02% | 0.10% | 0.02% | -0.66 | -0.69 | -0.07 | 0.59 |
| PFLT | PennantPark Floating Rate… | $8.16 | 809.62M | +259% | -31% | — | -10% | 12.84 | 0.79 | 4.97 | 37.13 | — | 0.79 | 45.65% | 39.35% | 38.69% | 6.80% | 2.84% | 2.64% | 1.65 | 0.72 | 2.94 | 2.98 | 24.51 | -4857.00% | 220.00% | -11186.00% | 11.16% | 2.05 | 4.07% | 13.10% | 168.10% | 13.10% | 37.13 | 26.37 | 14.61 | 0.38 |
| UVE | Universal Insurance Holdi… | $35.17 | 986.48M | +173% | -20% | +49% | +141% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
| UVSP | Univest Financial Corpora… | $33.55 | 955.36M | -48% | -10% | -13% | +9% | 10.79 | 1.04 | 1.89 | 11.35 | 48.00 | 1.29 | 61.04% | 21.87% | 17.51% | 9.92% | 7.92% | 1.10% | 0.40 | 0.60 | 0.40 | 0.00 | 3.17 | 2248.00% | 358.00% | 3462.00% | 9.90% | 0.07 | 8.46% | 2.59% | 27.90% | 6.12% | 11.99 | 14.03 | 2.62 | 0.16 |
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 ($6.87 ÷ $16.71) − 1 = -58.89% (DCF, example).