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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
10/02/2026: BHF (1-star) is currently NOT-A-BUY. Pass it for now.
Brighthouse Financial is a U.S.-based insurance company specializing in annuities and life insurance for retirement planning. It stands out for its focused business model and expertise in managing complex retirement income products. Its primary growth opportunity lies in capturing demand from an aging demographic seeking protected income solutions through its Shield annuity offerings. However, the company faces risks from equity market volatility, interest rate fluctuations, and intense competition from much larger insurance players. It may best suit value-oriented investors who are comfortable with the inherent cyclicality of the insurance sector and who monitor the company's ongoing capital management and hedging performance.
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 | Weak fit | The company is more focused on managing legacy business and capital efficiency than aggressive topline growth. |
| Momentum investor | Mixed fit | The stock's performance is often tied to market conditions and interest rate trends, making it sensitive to macro signals. |
| Value investor | Strong fit | The company often trades at a discount to book value, appealing to investors looking for fundamental value. |
| Dividend investor | Weak fit | Brighthouse does not currently pay a dividend. |
| Low-risk investor | Weak fit | The business model is subject to significant equity market and interest rate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is highly sensitive to market movements and interest rate fluctuations. |
| Valuation risk | Medium | Trading at a discount to book value presents risks regarding the accuracy of asset and liability valuation models. |
| Competition risk (Insurance Market) | Medium / high | Intense competition from better-capitalized firms limits pricing power. |
| Business quality | Medium | The franchise is solid but concentrated in complex, interest-sensitive products. |
| Dividend income | Low / none | Investors should not expect income generation from dividends. |
| Execution risk | Medium | Successful management of complex hedging strategies is critical for long-term viability. |
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 -33.11% | 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 10/02/2026 |
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 2.88B USD | Price to earnings Ratio 3.97 | 1Y Target Price 65 |
Price to earnings Ratio 3.97 | 1Y Target Price 65 | ||
Volume (30-day avg) 1.0M shares | Beta 0.84 | 52 Weeks Range 44.51 - 66.80 | Updated Date 10/02/2026 |
52 Weeks Range 44.51 - 66.80 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 12.61 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Annuities | Variable, fixed, and index-linked annuities. | The primary revenue driver is fees and investment income generated from retirement products sold to individuals. |
| Life Insurance | Term and universal life policies. | Insurance premiums provide a steady, though smaller, revenue stream compared to the annuity segment. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 3.97 | Forward PE 3.35 | Enterprise Value 5.82B | Price to Sales(TTM) 0.42 |
Enterprise Value 5.82B | Price to Sales(TTM) 0.42 | ||
Enterprise Value to Revenue 0.92 | 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 93.14 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Brighthouse Financial, Inc.
Exchange NASDAQ | Headquarters Charlotte, NC, United States | ||
IPO Launch date 2017-07-17 | President, CEO & Director Mr. Eric Thomas Steigerwalt | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 1400 | |
Full time employees 1400 | |||
Brighthouse Financial, Inc. provides annuity and life insurance products in the United States. The company operates through Annuities, Life, and Run-off segments. 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 products for policyholders' needs for financial security and protected wealth transfer. The Run-off segment manages universal life with secondary guarantees, structured settlements, pension risk transfer contracts, various company-owned life insurance policies, and funding agreements. Brighthouse Financial, Inc. was founded in 1863 and is headquartered in Charlotte, North Carolina.
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