Brighthouse Financial, Inc.

LSE:0HPH Stock Report

Market Cap: US$3.5b

Brighthouse Financial Valuation

Is 0HPH undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0HPH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$150.13
Fair Value
60.2% undervalued intrinsic discount
8
Number of Analysts

Below Fair Value: 0HPH ($59.77) is trading below our estimate of fair value ($150.13)

Significantly Below Fair Value: 0HPH is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0HPH?

Key metric: As 0HPH is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0HPH. This is calculated by dividing 0HPH's market cap by their current earnings.
What is 0HPH's PE Ratio?
PE Ratio12.2x
EarningsUS$286.00m
Market CapUS$3.49b

Price to Earnings Ratio vs Peers

How does 0HPH's PE Ratio compare to its peers?

The above table shows the PE ratio for 0HPH vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average43.6x
JUST Just Group
19.1x10.2%UK£1.7b
PRU Prudential
27.1x23.4%UK£18.8b
LGEN Legal & General Group
49.4x26.3%UK£13.9b
CSN Chesnara
78.8x45.0%UK£394.1m
0HPH Brighthouse Financial
12.2x30.9%US$3.5b

Price-To-Earnings vs Peers: 0HPH is good value based on its Price-To-Earnings Ratio (12.2x) compared to the peer average (43.6x).

Price to Earnings Ratio vs Industry

How does 0HPH's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0HPH 12.2xIndustry Avg. 11.4xNo. of Companies15PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0HPH is expensive based on its Price-To-Earnings Ratio (12.2x) compared to the European Insurance industry average (11.4x).

Price to Earnings Ratio vs Fair Ratio

What is 0HPH's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0HPH PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.2x
Fair PE Ratio18x

Price-To-Earnings vs Fair Ratio: 0HPH is good value based on its Price-To-Earnings Ratio (12.2x) compared to the estimated Fair Price-To-Earnings Ratio (18x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0HPH forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$59.77
US$63.25
+5.8%
15.0%US$85.00US$51.00n/a8
Feb ’26US$62.13
US$59.71
-3.9%
20.8%US$85.00US$41.00n/a7
Jan ’26US$47.40
US$52.25
+10.2%
14.7%US$64.00US$42.00n/a8
Dec ’25US$53.41
US$52.13
-2.4%
15.1%US$64.00US$42.00n/a8
Nov ’25US$47.83
US$48.38
+1.1%
14.7%US$59.00US$38.00n/a8
Oct ’25US$43.83
US$47.25
+7.8%
14.5%US$59.00US$38.00n/a8
Sep ’25US$45.74
US$47.14
+3.1%
15.5%US$59.00US$38.00n/a7
Aug ’25US$49.44
US$51.57
+4.3%
14.7%US$63.00US$40.00n/a7
Jul ’25US$43.21
US$49.43
+14.4%
11.5%US$58.00US$40.00n/a7
Jun ’25US$41.95
US$50.14
+19.5%
12.3%US$59.00US$40.00n/a7
May ’25US$48.79
US$52.86
+8.3%
8.5%US$59.00US$45.00n/a7
Apr ’25US$50.26
US$51.71
+2.9%
9.3%US$59.00US$45.00n/a7
Mar ’25US$45.82
US$51.71
+12.9%
9.3%US$59.00US$45.00n/a7
Feb ’25US$51.12
US$53.88
+5.4%
9.3%US$61.00US$44.00US$62.138
Jan ’25US$53.86
US$51.50
-4.4%
8.8%US$56.00US$42.00US$47.408
Dec ’24US$52.85
US$50.78
-3.9%
8.3%US$56.00US$42.00US$53.419
Nov ’24US$45.17
US$51.56
+14.1%
8.2%US$56.00US$42.00US$47.839
Oct ’24n/a
US$51.89
0%
7.8%US$56.00US$43.00US$43.839
Sep ’24US$50.43
US$52.00
+3.1%
7.3%US$56.00US$46.00US$45.749
Aug ’24US$52.33
US$51.33
-1.9%
6.8%US$57.00US$46.00US$49.449
Jul ’24US$47.19
US$48.67
+3.1%
10.1%US$57.00US$42.00US$43.219
Jun ’24US$41.54
US$49.00
+18.0%
11.6%US$60.00US$42.00US$41.959
May ’24US$42.70
US$49.10
+15.0%
10.1%US$60.00US$42.00US$48.7910
Apr ’24n/a
US$55.00
0%
11.4%US$64.00US$42.00US$50.2610
Mar ’24US$58.34
US$56.80
-2.6%
8.1%US$64.00US$49.00US$45.8210
Feb ’24US$56.41
US$55.90
-0.9%
9.2%US$65.00US$49.00US$51.1210
Analyst Price Target
Consensus Narrative from 8 Analysts
US$63.59
Fair Value
6.0% undervalued intrinsic discount
8
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/22 13:58
End of Day Share Price 2025/02/21 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Brighthouse Financial, Inc. is covered by 21 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jacob KilsteinArgus Research Company
Tracy Dolin-BenguiguiBarclays
Tracy Dolin-BenguiguiBarclays