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Brighthouse Financial, Inc. logo

Brighthouse Financial, Inc.

BHF

NASDAQFinancial ServicesInsurance - Life

Open in GoAI

Previous close

$52.27

−$0.95 · -1.79%

Aug 21, 4:00 PM ET

BHF company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

73

Undervalued

Momentum

56

Neutral

Sentiment

55

Mixed

Risk resilience

89

Low Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Brighthouse Financial, Inc. is a financial services firm specializing in annuity and life insurance offerings across the United States. Its operations are organized into three distinct business units: Annuities, Life, and Run-off. The Annuities division delivers a range of annuity products, including variable, fixed, index-linked, and income options. These are designed to help clients achieve secure, tax-advantaged wealth growth, facilitate wealth transfer, and ensure stable income streams. The Life segment issues various life insurance policies such as term, universal, whole, and variable life, catering to policyholders' desires for financial protection and efficient wealth succession. Lastly, the Run-off segment is responsible for managing a portfolio of legacy products, which encompasses structured settlements, pension risk transfer agreements, specific company-owned life insurance, funding agreements, and universal life policies bolstered by secondary guarantees. Established in 2016, the company maintains its corporate headquarters in Charlotte, North Carolina.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Eric Thomas Steigerwalt
Listed since
Jul 17, 2017
Employees
1,400

Market position

Day range

Current $52.27

52-week range

Current $52.27

Open
$53.16
Previous close
$53.22
Volume
1M
1.6× average
Average volume
625.08K
Average daily volume
Market cap
3B USD
Beta
0.86
Market reference 1
50-day average
$62.247
-16.03% below average
200-day average
$62.7283
-16.67% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
4.11×
P/B (TTM)
0.46×
P/S (TTM)
0.48×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
56.06%
Operating margin
15.52%
Net margin
13.22%

Financial health

Debt / equity
0.48×
Altman Z-score
0.47
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends113%58%4%-51%Gross margin, FY2021: 85.55%Gross margin, FY2022: 99.16%Gross margin, FY2023: 8.51%Gross margin, FY2024: 46.07%Gross margin, FY2025: 70.94%Operating margin, FY2021: 56.04%Operating margin, FY2022: 71.37%Operating margin, FY2023: -37.32%Operating margin, FY2024: 9.66%Operating margin, FY2025: 7.63%Net margin, FY2021: 45.83%Net margin, FY2022: 58.51%Net margin, FY2023: -28.15%Net margin, FY2024: 8.88%Net margin, FY2025: 6.97%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 85.55%. Gross margin FY2022 99.16%. Gross margin FY2023 8.51%. Gross margin FY2024 46.07%. Gross margin FY2025 70.94%. Operating margin FY2021 56.04%. Operating margin FY2022 71.37%. Operating margin FY2023 -37.32%. Operating margin FY2024 9.66%. Operating margin FY2025 7.63%. Net margin FY2021 45.83%. Net margin FY2022 58.51%. Net margin FY2023 -28.15%. Net margin FY2024 8.88%. Net margin FY2025 6.97%.

Income trends

Revenue

6.21B USD+42.16%

Operating income

474M USD+12.32%

Net income

433M USD+11.60%
Income trends across reported periods7.44B USD4.2B USD957.2M USD−2.28B USDRevenue, FY2021: 3.59B USDRevenue, FY2022: 6.63B USDRevenue, FY2023: 3.95B USDRevenue, FY2024: 4.37B USDRevenue, FY2025: 6.21B USDOperating income, FY2021: 2.01B USDOperating income, FY2022: 4.73B USDOperating income, FY2023: −1.47B USDOperating income, FY2024: 422M USDOperating income, FY2025: 474M USDNet income, FY2021: 1.64B USDNet income, FY2022: 3.88B USDNet income, FY2023: −1.11B USDNet income, FY2024: 388M USDNet income, FY2025: 433M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.59B USD. Revenue FY2022 6.63B USD. Revenue FY2023 3.95B USD. Revenue FY2024 4.37B USD. Revenue FY2025 6.21B USD. Operating income FY2021 2.01B USD. Operating income FY2022 4.73B USD. Operating income FY2023 −1.47B USD. Operating income FY2024 422M USD. Operating income FY2025 474M USD. Net income FY2021 1.64B USD. Net income FY2022 3.88B USD. Net income FY2023 −1.11B USD. Net income FY2024 388M USD. Net income FY2025 433M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue6.21B USD4.37B USD3.95B USD6.63B USD3.59B USD
Cost of goods sold1.81B USD2.36B USD3.61B USD56M USD518M USD
Gross profit4.41B USD2.01B USD336M USD6.57B USD3.07B USD
Selling, general, and administrative—693M USD730M USD647M USD665M USD
Operating expenses3.93B USD1.59B USD1.81B USD1.84B USD1.06B USD
Interest expense152M USD152M USD153M USD153M USD163M USD
Operating income474M USD422M USD−1.47B USD4.73B USD2.01B USD
Net income433M USD388M USD−1.11B USD3.88B USD1.64B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
27%
3 beats, 8 misses, 0 met estimates
Average EPS surprise
-5.61%
11 comparable reports
Latest EPS result
4.45
Estimate 4.86 · Miss by 8.44%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates6.125.144.173.19Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 5.88, estimate 4.56, surprise +28.95%, Beat. Q2 2025, reported May 8, 2025: actual 4.17, estimate 4.72, surprise -11.65%, Miss. Q3 2025, reported Aug 7, 2025: actual 3.43, estimate 4.7, surprise -27.02%, Miss. Q4 2025, reported Nov 6, 2025: actual 4.54, estimate 5.09, surprise -10.81%, Miss. Q1 2026, reported Feb 23, 2026: actual 3.93, estimate 5.19, surprise -24.28%, Miss. Q2 2026, reported May 6, 2026: actual 4.35, estimate 4.75, surprise -8.42%, Miss. Q3 2026, reported Aug 6, 2026: actual 4.45, estimate 4.86, surprise -8.44%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 5.19, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates2.44B1.85B1.26B671.5MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 11, 2025: actual 1.08B USD, estimate 2.24B USD, surprise -51.91%, Miss. Q2 2025, reported May 8, 2025: actual 2.32B USD, estimate 2.3B USD, surprise +0.92%, Beat. Q3 2025, reported Aug 7, 2025: actual 790M USD, estimate 2.26B USD, surprise -65.03%, Miss. Q4 2025, reported Nov 6, 2025: actual 1.71B USD, estimate 2.24B USD, surprise -23.91%, Miss. Q1 2026, reported Feb 23, 2026: actual 2.17B USD, estimate 2.24B USD, surprise -3.42%, Miss. Q2 2026, reported May 6, 2026: actual 2.09B USD, estimate 2.2B USD, surprise -4.93%, Miss. Q3 2026, reported Aug 6, 2026: actual 2.11B USD, estimate 2.18B USD, surprise -3.36%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 2.2B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$57.44

9.89% upside
Past 12 months12-month forecastHigh $72.00Average $57.44Low $41.00

Rating distribution

20 ratings
Strong buy00%
Buy15%
Hold1680%
Sell315%
Strong sell00%

Recent analyst actions

10 institutions

BHF news

businesswire.com

Brighthouse Financial Announces Preferred Stock Dividends and Related Depositary Share Distributions

CHARLOTTE, N.C.--(BUSINESS WIRE)--Brighthouse Financial, Inc. (“Brighthouse Financial” or the “company”) (Nasdaq: BHF) announced today that on September 25, 2026, holders of record as of September 10, 2026 (the “Record…

Read source
zacks.com

BHF Q2 Earnings Miss Estimates, Investment Income Falls Y/Y

Brighthouse Financial misses Q2 earnings estimates despite higher year-over-year profit, as lower investment income and weaker annuity sales offset underwriting gains.

Read source
defenseworld.net

Amundi Raises Stock Position in Brighthouse Financial, Inc. $BHF

Amundi lifted its stake in Brighthouse Financial, Inc. (NASDAQ: BHF) by 3,855.0% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm owned…

Read source
zacks.com

Brighthouse Financial (BHF) Reports Q2 Earnings: What Key Metrics Have to Say

The headline numbers for Brighthouse Financial (BHF) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and…

Read source
zacks.com

Brighthouse Financial (BHF) Q2 Earnings and Revenues Lag Estimates

Brighthouse Financial (BHF) came out with quarterly earnings of $4.45 per share, missing the Zacks Consensus Estimate of $4.98 per share. This compares to earnings of $3.43 per share a year ago.

Read source
businesswire.com

Brighthouse Financial Announces Second Quarter 2026 Results

CHARLOTTE, N.C.--(BUSINESS WIRE)--Brighthouse Financial, Inc. ("Brighthouse Financial" or the "company") (Nasdaq: BHF) announced today its financial results for the second quarter ended June 30, 2026. Second Quarter 2026…

Read source

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ETFs holding BHF

Funds reporting this stock among their holdings, ordered by reported position size.

Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
117.72M
Weight
0.38%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
113.15M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Core S&P Mid-Cap ETF logoiShares Core S&P Mid-Cap ETFIJH
Market value
110.18M
Weight
0.09%
AUM
125.92B USD
Expense ratio
0.05%
Price / 1D
$76.77+0.52%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
81.79M
Weight
0.04%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
51.93M
Weight
0.08%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
40.7M
Weight
0.04%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR S&P MIDCAP 400 ETF Trust logoState Street SPDR S&P MIDCAP 400 ETF TrustMDY
Market value
22.29M
Weight
0.08%
AUM
26.72B USD
Expense ratio
0.23%
Price / 1D
$699.6+0.48%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
21.76M
Weight
0.15%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%

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