Brighthouse Financial, Inc.

NasdaqGS:BHF Stock Report

Market Cap: US$3.0b

Brighthouse Financial Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales 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.

Below Fair Value: BHF ($51.09) is trading below our estimate of fair value ($156.76)

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 unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for BHF. This is calculated by dividing BHF's market cap by their current revenue.
What is BHF's PS Ratio?
PS Ratio0.6x
SalesUS$4.86b
Market CapUS$3.05b

Price to Sales Ratio vs Peers

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

The above table shows the PS ratio for BHF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average0.7x
GNW Genworth Financial
0.4xn/aUS$3.1b
LNC Lincoln National
0.4x10.0%US$6.0b
CNO CNO Financial Group
0.9x-0.8%US$4.1b
FG F&G Annuities & Life
1x-2.8%US$5.8b
BHF Brighthouse Financial
0.6x15.7%US$3.0b

Price-To-Sales vs Peers: BHF is good value based on its Price-To-Sales Ratio (0.6x) compared to the peer average (0.7x).

Price to Sales Ratio vs Industry

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

9 CompaniesPrice / SalesEstimated GrowthMarket Cap
GOCO GoHealth
0.2x8.0%US$284.03m
CCG Cheche Group
0.2x5.6%US$75.51m
AAME Atlantic American
0.2xn/aUS$34.99m
CNFR Conifer Holdings
0.2xn/aUS$14.67m
BHF 0.6xIndustry Avg. 1.1xNo. of Companies21PS00.81.62.43.24+
9 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: BHF is good value based on its Price-To-Sales Ratio (0.6x) compared to the US Insurance industry average (1.1x).

Price to Sales Ratio vs Fair Ratio

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

BHF PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.6x
Fair PS Ratio0.7x

Price-To-Sales vs Fair Ratio: BHF is good value based on its Price-To-Sales Ratio (0.6x) compared to the estimated Fair Price-To-Sales Ratio (0.7x).

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$51.09
US$51.25
+0.3%
17.4%US$64.00US$38.00n/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$44.00n/a8
Jan ’25US$52.92
US$51.50
-2.7%
8.8%US$56.00US$42.00n/a8
Dec ’24US$52.61
US$50.78
-3.5%
8.3%US$56.00US$42.00n/a9
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
Jan ’24US$51.27
US$54.00
+5.3%
8.4%US$63.00US$47.00US$52.9210
Dec ’23US$55.60
US$54.10
-2.7%
8.4%US$63.00US$47.00US$52.6110
Nov ’23US$57.71
US$52.60
-8.9%
9.9%US$65.00US$47.00US$45.0410

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

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