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Educational research only—not investment advice or a recommendation. Scores and estimates may use delayed, incomplete, restated, or corrected market and filing data. Independently verify information before making an investment decision.
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.
Detailed revenue, brand and relationship research has not yet been completed for BHF.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
68
Fair
PoorElite
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
59
Fair
Financial Strength
79
Business Quality / Moat
42
Management
81
Growth Quality
29
Risk / Durability
38
Cheap for a Reason · Review the Risks
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
78
Fair
Based on current valuation, company quality, recent trends, and available market signals.
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Model Outlook
12-month model · What does the model think happens next?
74/100
Building Historical Record
Model Score 74/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
What we like
•Balance-sheet / debt profile scores strongly
•Valuation scores attractively
•Recent buyback activity is present
What to watch
No material warning is currently being highlighted from the available summary data.
Company-specific research
Questions worth answering for BHF
Research inputs 100% complete
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
•Can BHF maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
•How long can BHF fund negative free cash flow using its current cash position before it may need more debt or new shares?
•How is BHF likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
•Is BHF's valuation discount tied to a temporary concern or to a longer-term business risk?
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
Volatility = How violently is it moving?
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BHF
Detected from reported data — verify before acting.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total calls
0% Bullish (0) 0% Bearish (0)
No personal call yet on BHF.
What the Bulls Say
+Product opportunity: 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.
What the Bears Say
−Negative free cash flow may increase the need for outside financing and dilution.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdown
Wall Street Score
Fair68/ 100
Weak (0–50)Fair (51–71)Strong (72+)
Debt
Strong
80
Debt Cost4.8%
Debt Reduction YoY0.0%
Debt / Equity0.47x
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Revenue
Fair
62
Revenue YoY1.2%
Revenue CAGR25.4%
Net Margin13.2%
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Asset
Fair
57
Asset Growth YoY1.1%
Liquidation/Share$115.71
Net Assets/MCap85.13x
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Capital
Elite
100
Earnings Yield29.0%
Buyback Yield9.5%
Debt Cost4.8%
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Management
Strong
81
ROIC16.9%
ROE12.7%
ROA0.3%
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Moat
Weak
42
EPS Growth-8.7%
FCF/Share Growth—
Rev/Share Growth14.8%
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Valuation
Elite
100
Intrinsic Value$108.20
Value Reference$64.92
MOS0.5%
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Buffett
Strong
70
Revenue62
Moat42
Valuation100
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MOS
Elite
100
MOS %0.5%
Value Reference$64.92
Deep Discount Reference$43.28
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Financial
Fair
50
Interest Coverage3.1x
ROIC16.9%
FCF Yield-3.6%
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Master
Strong
80
Financial50
Valuation100
Debt80
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Resilience
Fair
60
Survival Years∞ yrs
Current Ratio1.16x
FCF Margin-0.0%
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Score Changes
5 historical score records available
Previous Score
68
Sep 9, 2026
Change
Unchanged
Current Score
68
Oct 1, 2026
Category Changes
Revenue0
Debt0
Assets0
Capital0
Management0
Moat0
Valuation0
Buffett0
BHF score was unchanged.
Projected Score
Projected Score
79
Projected Change
+11.6%
Preliminary comparable-period financial changes suggest improvement of approximately 11.6 points. This is a projected estimate, not the official WallStreetScore.