Brighthouse Financial, Inc.

NasdaqGS:BHF Stock Report

Market Cap: US$3.7b

Brighthouse Financial Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • 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 BHF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$150.30
Fair Value
58.1% undervalued intrinsic discount
8
Number of Analysts

Below Fair Value: BHF ($62.97) is trading below our estimate of fair value ($150.3)

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

Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for BHF. This is calculated by dividing BHF's market cap by their current earnings.
What is BHF's PE Ratio?
PE Ratio12.9x
EarningsUS$286.00m
Market CapUS$3.68b

Price to Earnings Ratio vs Peers

How does BHF's PE Ratio compare to its peers?

The above table shows the PE ratio for BHF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.7x
GNW Genworth Financial
9.2xn/aUS$3.1b
CNO CNO Financial Group
10.4x2.6%US$4.2b
LNC Lincoln National
2.1x-33.3%US$6.6b
PRI Primerica
13x1.1%US$9.4b
BHF Brighthouse Financial
12.9x34.1%US$3.7b

Price-To-Earnings vs Peers: BHF is expensive based on its Price-To-Earnings Ratio (12.9x) compared to the peer average (8.7x).

Price to Earnings Ratio vs Industry

How does BHF's PE Ratio compare vs other companies in the US Insurance Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
AIFU AIX
0.9xn/aUS$18.43m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
BHF 12.9xIndustry Avg. 12.9xNo. of Companies16PE0816243240+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: BHF is expensive based on its Price-To-Earnings Ratio (12.9x) compared to the US Insurance industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is BHF'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.

BHF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.9x
Fair PE Ratio22.8x

Price-To-Earnings vs Fair Ratio: BHF is good value based on its Price-To-Earnings Ratio (12.9x) compared to the estimated Fair Price-To-Earnings Ratio (22.8x).

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 BHF forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$62.97
US$61.00
-3.1%
19.7%US$85.00US$41.00n/a8
Feb ’26US$61.71
US$59.71
-3.2%
20.8%US$85.00US$41.00n/a7
Jan ’26US$48.04
US$52.25
+8.8%
14.7%US$64.00US$42.00n/a8
Dec ’25US$52.27
US$52.13
-0.3%
15.1%US$64.00US$42.00n/a8
Nov ’25US$47.74
US$48.38
+1.3%
14.7%US$59.00US$38.00n/a8
Oct ’25US$43.95
US$47.25
+7.5%
14.5%US$59.00US$38.00n/a8
Sep ’25US$45.90
US$47.14
+2.7%
15.5%US$59.00US$38.00n/a7
Aug ’25US$48.84
US$51.57
+5.6%
14.7%US$63.00US$40.00n/a7
Jul ’25US$43.37
US$49.43
+14.0%
11.5%US$58.00US$40.00n/a7
Jun ’25US$44.51
US$50.14
+12.7%
12.3%US$59.00US$40.00n/a7
May ’25US$48.75
US$52.86
+8.4%
8.5%US$59.00US$45.00n/a7
Apr ’25US$50.95
US$51.71
+1.5%
9.3%US$59.00US$45.00n/a7
Mar ’25US$46.16
US$51.71
+12.0%
9.3%US$59.00US$45.00n/a7
Feb ’25US$50.85
US$53.88
+5.9%
9.3%US$61.00US$44.00US$61.718
Jan ’25US$52.92
US$51.50
-2.7%
8.8%US$56.00US$42.00US$48.048
Dec ’24US$52.61
US$50.78
-3.5%
8.3%US$56.00US$42.00US$52.279
Nov ’24US$45.04
US$51.56
+14.5%
8.2%US$56.00US$42.00US$47.749
Oct ’24US$48.94
US$51.89
+6.0%
7.8%US$56.00US$43.00US$43.959
Sep ’24US$51.15
US$52.00
+1.7%
7.3%US$56.00US$46.00US$45.909
Aug ’24US$52.18
US$51.33
-1.6%
6.8%US$57.00US$46.00US$48.849
Jul ’24US$47.35
US$48.67
+2.8%
10.1%US$57.00US$42.00US$43.379
Jun ’24US$41.59
US$49.00
+17.8%
11.6%US$60.00US$42.00US$44.519
May ’24US$44.05
US$49.10
+11.5%
10.1%US$60.00US$42.00US$48.7510
Apr ’24US$44.11
US$55.00
+24.7%
11.4%US$64.00US$42.00US$50.9510
Mar ’24US$58.35
US$56.80
-2.7%
8.1%US$64.00US$49.00US$46.1610
Feb ’24US$56.55
US$55.90
-1.1%
9.2%US$65.00US$49.00US$50.8510
Analyst Price Target
Consensus Narrative from 8 Analysts
US$61.00
Fair Value
3.2% overvalued intrinsic discount
8
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/19 05:57
End of Day Share Price 2025/02/19 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