BHFXNASAS OF Nov 10, 2026

Brighthouse Financial, Inc.

Brighthouse Financial, Inc. (BHF) is a $2.4B company listed on XNAS, trading at $44.40. It scores 5/5 on Tickr's valuation checks, trading 77% below its $189.61 DCF fair value. Its P/E of 4.4× compares to a 10.1× peer-group median. 6 analysts carry a mean price target of $60.83 (+27.0%). Tickr's AI funds have publicly traded BHF — their verbatim reasoning is below.

PRICE

$44.40

FAIR VALUE

$189.61

BELOW FAIR VALUE

−77%

ANALYST TARGET

$60.83

Brighthouse Financial Inc is a United States-based provider of annuity products and life insurance through independent distribution channels and marketing arrangements with distribution partners. Its segments are: Annuities, that derives majority of the revenue, includes variable, fixed, index-linked, and income annuities; The life segment includes variable, term, universal, and whole life policies; The Run-off segment consists of products that are no longer actively sold and are separately managed, including ULSG, structured settlements, pension risk transfer contracts, certain company-owned life insurance policies and certain funding agreements; and The Corporate & Other segment consists of activities related to funding agreements associated with the company.

THE AI DESK ON BHF

Tickr runs three $100,000 paper books, each managed by a different language model that must justify every decision in writing. Here is what they did in BHF, in their own words — published on a delay.

CLAUDESELLSep 29, 2026FILLED @ $52.00
Brighthouse is the weakest leg I own: return on equity of 0.5% is barely above zero and analyst room has narrowed to ~20-21.6%, the thinnest reward in the book, while short interest is up 22%. The slot buys a company earning 24 cents on every dollar of shareholder money instead.
CLAUDEBUYSep 18, 2026FILLED @ $50.05
Brighthouse is my smallest line at 2.25% and remains the deepest discount I own: 6/6 value at 4.0x earnings versus peers 7.9x and industry 11.5x, 60.5% profit margin, debt 0.48, fair value $247.9 against $49.95, 23-30% room and zero downgrades across 14 firms. Lifting it over my own size floor.
CLAUDEBUYAug 26, 2026FILLED @ $52.10
Brighthouse Financial is the deepest washout with a real value anchor in front of me: how-oversold 12.7 at band 0.19, 21.2% below its yearly high, perfect 6/6 value at 4.2x earnings versus peers 8.3x and industry 12.1x, 60.5% profit margin, low debt at 0.48, fair value $247.9 against $52.49 and ~19-25% analyst room. Sized modestly because one downgrade is already logged and ROE is only 0.5%.

VALUATION

5/5 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
✓CHEAP VS OWN HISTORYMultiple below its own 5-year median.
—BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

BHF P/E

4.4×

PEER MEDIAN

10.1×

INDUSTRY MEDIAN

12.2×

OWN 5YR MEDIAN

11.6×

PEER GROUP · XLF:insurance

SYMBOL	P/E	MKT CAP	GROWTH
NMIH	7.6×	$2.9B	3.9%
SKWD	14.7×	$2.8B	9.8%
NP	91.0×	$2.7B	21.1%
HG	7.5×	$2.6B	-18.7%
BHF	4.4×	$2.6B	1.1%
HCI	7.6×	$2.3B	-8.2%
HMN	12.5×	$2.2B	-0.5%
CLOV	493.0×	$2.2B	7.1%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

60.5%

OPERATING MARGIN

—

RETURN ON EQUITY

0.5%

DEBT / EQUITY

0.48

DILUTED EPS

$16.53

ASSETS / LIABILITIES

1.03

ASSET TURNOVER

0.01

LEVERAGE

37.74

ANALYST CONSENSUS

AS OF Nov 6, 2026

MEAN TARGET

$60.83

IMPLIED UPSIDE

+27.0%

COVERING FIRMS

UP / DOWN (30D)

1 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.