BHF

Based on Brighthouse Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Brighthouse Financial do?

Brighthouse Financial provides annuity and life insurance products to individuals across the United States. Its core focus is helping customers accumulate wealth on a tax-deferred basis, secure retirement income, and transfer wealth through life insurance. It also manages a run-off segment of legacy insurance contracts.

Does BHF pay dividends?

No, Brighthouse Financial does not currently pay a dividend. The company operates in a capital-intensive insurance environment where maintaining regulatory capital and managing legacy liabilities takes priority over income distributions to shareholders.

When does BHF report earnings?

BHF reports earnings quarterly, in line with standard US-listed company practice. Exact dates vary each quarter. For the most current schedule, check Brighthouse Financial's investor relations page or a financial calendar service.

Is BHF a good stock to buy?

UQS Score rates BHF as Below Average overall. While the Growth and Valuation pillars show relative strength, the Quality, Moat, and Risk pillars are all rated Weak. Whether BHF fits a portfolio depends on an investor's risk tolerance and time horizon. The full pillar breakdown is available to UQS Pro members.

Is BHF overvalued?

The UQS Valuation pillar for BHF is rated Attractive, suggesting the stock may be trading at a discount relative to its fundamental profile. However, an Attractive valuation label does not eliminate risk — the Weak Risk and Weak Quality ratings remain important context for any valuation assessment.

How does BHF compare to its competitors?

BHF competes with peers like F&G Annuities & Life, Genworth Financial, and CNO Financial Group. Each carries a distinct product mix and distribution model. BHF's broader annuity and life insurance portfolio sets it apart, though its Weak Moat rating suggests limited structural advantages over these rivals.

What is BHF's market cap bracket?

Brighthouse Financial is classified as a mid-cap company. This places it in a tier where institutional coverage exists but the stock may receive less attention than large-cap insurance peers, potentially contributing to the Attractive Valuation rating in the UQS framework.

Who founded Brighthouse Financial?

Brighthouse Financial was incorporated in 2016 as a spinoff from MetLife, becoming an independent publicly traded company. Its founding context is tied to MetLife's strategic decision to separate its US retail life and annuity business into a standalone entity.

Is BHF a long-term quality investment?

As a long-term quality indicator, BHF's UQS profile raises caution. The Weak ratings across Quality, Moat, and Risk suggest the business lacks the durable competitive advantages and financial consistency typically associated with high-quality long-term holdings. The Strong Growth pillar offers some offset, but risk remains elevated.

What is the main competitive advantage of Brighthouse Financial?

BHF's scale in the annuities market and its established product range — spanning variable, fixed, and index-linked annuities — provide some distribution reach. However, the UQS Moat pillar is rated Weak, indicating these advantages may not translate into durable pricing power or structural barriers to competition.

What sector does BHF belong to?

Brighthouse Financial operates in the Financial Services sector, specifically within the life and annuity insurance industry. This sector is sensitive to interest rate movements, regulatory capital requirements, and long-duration liability management — all factors reflected in BHF's UQS Risk pillar rating.

Brighthouse Financial, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

Brighthouse Financial, Inc. is growing rapidly with strong revenue and earnings expansion.

Brighthouse Financial, Inc. has some risk factors including moderate leverage or solvency concerns.

Brighthouse Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Brighthouse Financial, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BHF.

The UQS (Unified Quality Score) for Brighthouse Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Brighthouse Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Brighthouse Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.