Stocks · Financial Services · Insurance - Life
Brighthouse Financial, Inc. BHF
$49.82 -0.40% Close, Oct 5, 2026 · NASDAQ · Market cap $2.87B
Weak trend
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $12.67, up 37.1% year over year.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- The company holds net cash of $3.95B (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 33%
- EPS growth (TTM, YoY)Top 29%
- FCF growth (TTM, YoY)Bottom 1%
- Revenue growth, 3-year CAGRBottom 6%
- Revenue growth accelerationTop 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 42%
- Gross marginBottom 30%
- Operating marginBottom 35%
- Cash conversion (OCF / net income)Bottom 7%
- Accruals (lower is better)Bottom 25%
- Net debt / EBITDA (lower is better)Top 7%
- Interest coverTop 17%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 3%
- Free-cash-flow yieldBottom 5%
- P/E vs own 5-year history (lower is better)Top 33%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 36%
- 6-month returnBottom 6%
- 1-year return vs S&P 500Bottom 28%
- Distance from 52-week highBottom 19%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 13%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 6%
- Upside to consensus price targetBottom 49%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 34%
- Maximum drawdown, 3 yearsBottom 44%
- Beta vs S&P 500 (lower is better)Bottom 30%
- Net debt / EBITDA (lower is better)Top 7%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -18.5% | 2.2% | ↑ |
| EPS growth (YoY) | -134.3% | 37.1% | ↑ |
| Gross margin | 35.9% | 56.1% | ↑ |
| Operating margin | 12.4% | 15.5% | ↑ |
| FCF margin | 0.8% | -14.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.2% | -18.5% | ↑ | Bottom 33% |
| EPS growth (TTM, YoY) | 37.1% | -134.3% | ↑ | Top 29% |
| Gross margin | 56.1% | 35.9% | ↑ | Bottom 30% |
| Operating margin | 15.5% | 12.4% | ↑ | Bottom 35% |
| Net margin | 13.2% | 10.8% | ↑ | — |
| Free-cash-flow margin | -14.3% | 0.8% | ↓ | — |
| Return on invested capital | 0.9% | — | Bottom 42% | |
| Revenue growth, 3-year CAGR | -2.2% | — | Bottom 6% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -1.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -4.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.51×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 6.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 2.05%
- Shareholder yield
- 2.05%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -4.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 8
- Average EPS surprise, last 4
- -13.0%
- Average 2-day reaction, last 8
- +2.4%
- Positive 20 days after report
- 1 of 8
Analysts
- Consensus price target
- $57.44
- Target vs current price
- +15.3%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 5%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -8.4% | +0.5% | -3.3% | -13.3% | — |
| May 6, 2026 | -8.4% | -0.3% | -2.6% | -0.5% | -1.3% |
| Feb 23, 2026 | -24.3% | -2.2% | -6.2% | -7.2% | -1.9% |
| Nov 6, 2025 | -10.8% | +26.8% | +27.1% | +26.5% | +22.9% |
| Aug 7, 2025 | -27.0% | -3.0% | -1.0% | -6.8% | -3.8% |
| May 8, 2025 | -11.7% | -0.9% | +1.6% | -0.6% | -19.6% |
| Feb 11, 2025 | +28.9% | -0.8% | +6.5% | -9.6% | -1.0% |
| Nov 8, 2024 | -11.3% | -1.1% | +0.0% | -0.1% | +16.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $4.45 | $4.86 | -8.4% | $2.10B |
| May 6, 2026 | $4.35 | $4.75 | -8.4% | $2.09B |
| Feb 23, 2026 | $3.93 | $5.19 | -24.3% | $2.17B |
| Nov 6, 2025 | $4.54 | $5.09 | -10.8% | $1.71B |
| Aug 7, 2025 | $3.43 | $4.70 | -27.0% | $790.0M |
| May 8, 2025 | $4.17 | $4.72 | -11.7% | $2.32B |
| Feb 11, 2025 | $5.88 | $4.56 | +28.9% | $1.08B |
| Nov 8, 2024 | $3.99 | $4.50 | -11.3% | $2.18B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 3.9× | 4.8× | 36th | Top 3% |
| P/E (forward) | 2.5× | — | — | — |
| Free-cash-flow yield | -31.29% | — | — | Bottom 5% |
| Earnings yield | 25.43% | — | — | Top 3% |
P/E over the past five years
Range 0.9× – 11.6× since Mar 31, 2022. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -4.0%
- Earnings per share growth (TTM)
- +37.1%
- Change in P/E multiple
- -30.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -9.2%
- 200-day average slope (20 days)
- -2.4%
- Distance from 50-day average
- -8.9%
- Distance from 200-day average
- -18.0%
- RSI (14)
- 36.8
- Relative volume
- 0.54×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.9%
- Volatility vs own 5-year history
- 13th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.87
- Correlation with S&P 500
- 0.31
- Current drawdown from 1-year high
- -25.2%
- Maximum drawdown, 3 years
- -31.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 10, 2022 | Jul 14, 2022 | -35.2% | 105 days | 638 days (Jan 29, 2025) |
| Feb 19, 2025 | Sep 5, 2025 | -31.1% | 137 days | 44 days (Nov 6, 2025) |
| Jul 13, 2026 | Sep 16, 2026 | -26.8% | 46 days | Not yet recovered |
| May 14, 2021 | Jul 19, 2021 | -18.0% | 44 days | 59 days (Oct 11, 2021) |
| Jan 19, 2021 | Jan 29, 2021 | -17.1% | 8 days | 25 days (Mar 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.87B
- P/E (TTM)
- 3.9
- EPS, diluted (TTM)
- $12.67
- Revenue (TTM)
- $6.28B
- 52-week range
- $44.51 – $66.80
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.58B | $6.63B | $3.95B | $4.37B | $6.21B |
| Gross profit | $3.07B | $6.57B | $336.0M | $2.01B | $4.41B |
| Operating income | $2.01B | $4.73B | -$1.47B | $422.0M | $474.0M |
| Net income | $1.64B | $3.88B | -$1.11B | $388.0M | $433.0M |
| EPS (diluted) | $18.39 | $51.30 | -$18.39 | $4.64 | $5.79 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.96B | $1.08B | $2.32B | $790.0M | $1.71B | $1.56B | $1.40B | $1.62B |
| Net income | $176.0M | $671.0M | -$268.0M | $85.0M | $479.0M | $137.0M | -$766.0M | $981.0M |
| EPS (diluted) | $2.47 | $10.79 | -$5.04 | $1.02 | $7.89 | $1.94 | -$13.72 | $16.56 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $746.0M | -$1.23B | -$137.0M | -$290.0M | -$102.0M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $746.0M | -$1.23B | -$137.0M | -$290.0M | -$102.0M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$499.0M | -$488.0M | -$250.0M | -$250.0M | -$102.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $7.11B
- Total assets
- $247.18B
- Total liabilities
- $240.56B
- Total debt
- $3.15B
- Net debt
- -$3.95B
- Shareholders’ equity
- $6.55B
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 7,864,134
- Days to cover
- 8.30
- Change vs previous report
- +22.0%
FINRA short interest, settlement date Sep 15, 2026.