Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Brighthouse Financial, Inc.(BHF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BHF
11/02/2026: BHF (1-star) is currently NOT-A-BUY. Pass it for now.
Brighthouse Financial is a US-based life insurance and annuity company that operates primarily by managing a significant portfolio of legacy retirement products. Its business strengths include a major presence in the annuity market and a disciplined approach to capital management, supported by extensive hedging expertise. The primary growth opportunity lies in its index-linked annuity products, which address the rising demand for protected retirement income. However, the company faces risks from market volatility, interest rate fluctuations, and intense industry competition. The stock is typically suited for value-oriented investors who are comfortable with potential earnings volatility, as it currently pays no dividend.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is focused on value optimization rather than high-growth revenue expansion. |
| Momentum investor | Mixed fit | Momentum is often tied to interest rate cycles and equity market performance rather than company-specific product breakthroughs. |
| Value investor | Strong fit | Brighthouse often trades at a significant discount to book value, appealing to those seeking undervalued financial assets. |
| Dividend investor | Weak fit | The company does not pay a cash dividend, relying on buybacks for capital return. |
| Low-risk investor | Weak fit | The stock's high sensitivity to market variables results in elevated price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is highly reactive to fluctuations in interest rates and equity market performance. |
| Valuation risk | Medium | While trading at a discount, valuation is heavily influenced by book value and market sentiment regarding insurance risks. |
| Competition risk (Insurance) | Medium / high | Strong competition from companies like Jackson and Lincoln makes margin preservation challenging. |
| Business quality | Medium | The business relies on managing legacy liabilities, which requires high-level execution to remain profitable. |
| Dividend income | Low / none | Investors receive no direct income, making the stock unsuitable for yield-focused portfolios. |
| Execution risk | Medium / high | Effective hedging of variable annuity liabilities is critical to preventing capital erosion. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -34.84% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.53B USD | Price to earnings Ratio 3.47 | 1Y Target Price 61.67 |
Price to earnings Ratio 3.47 | 1Y Target Price 61.67 | ||
Volume (30-day avg) 883.5K shares | Beta 0.83 | 52 Weeks Range 41.98 - 66.80 | Updated Date 11/01/2026 |
52 Weeks Range 41.98 - 66.80 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 12.66 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Annuities | Variable, fixed, and index-linked annuity products like Shield. | The company earns money by charging fees and investing premiums from people saving for retirement. |
| Life Insurance | Term and universal life insurance policies. | The company provides death benefits in exchange for regular premium payments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-05 | When After Market | Estimate 5.03 | Actual - |
Profitability
Profit Margin 12.15% | Operating Margin (TTM) 77.78% |
Management Effectiveness
Return on Assets (TTM) 0.33% | Return on Equity (TTM) 13.54% |
Valuation
Trailing PE 3.47 | Forward PE 3.35 | Enterprise Value 5.36B | Price to Sales(TTM) 0.37 |
Enterprise Value 5.36B | Price to Sales(TTM) 0.37 | ||
Enterprise Value to Revenue 0.84 | Enterprise Value to EBITDA - | Shares Outstanding 57.51M | Shares Floating 56.66M |
Shares Outstanding 57.51M | Shares Floating 56.66M | ||
Percent Insiders 1.42 | Percent Institutions 92.83 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.