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Brighthouse Financial, Inc. - D (BHFAP) Stock Analysis

Range Bound setup

SellModerate Confidence

Financial Services · Insurance - Life

Sell if holding. Engine safety override at $16.00: Quality below floor (1.4 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.4/10. Specifically: Below-average business quality; Negative price momentum.

Brighthouse Financial is one of the largest U.S. annuity and life insurance providers with 2.0M+ contracts/policies and $206B in AUM at December 31, 2025, organized into Annuities, Life, Run-off, and Corporate & Other segments. Revenue is driven by fees on variable annuity... Read more

$16.000.0% A.UpsideScore 4.4/10#14 of 15 Insurance - Life
QualityF-score3 / 9FCF yield—
IncomeYield10.29%(5y avg 7.50%)Payout—
Stop $15.62Target $16.00(resistance)A.R:R 0.0:1

Sell if holding. Engine safety override at $16.00: Quality below floor (1.4 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.4/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: RSI 47 mid-range, Bollinger mid-band. Score 4.4/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: moderate.

Val10.0Qual1.4Grw0.0Mom3.9Sent4.8Ins4.8Peer3.7Tech5.4Risk7.74.4OVERALL

Thesis

Rewards
No bull case signals
Risks
Quality below floor (1.4 < 4.0)

Key Metrics

P/E (TTM)1.3
P/E (Fwd)—
Mkt Cap—
EV/EBITDA—
Profit Mgn-1.1%
ROE-1.1%
Rev Growth-36.2%
Beta0.88
Dividend10.29%
Rating analysts14

Quality Signals

Piotroski F3/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

4 floor-breakers·1 ceiling hit

Revenue shrinking — -36.2% YoY. Growth thesis broken unless recovery story develops.static

Revenue Growth
0.0
Declining revenue: -36%
Low model confidence on this dimension (33%).

Unprofitable operations — net margin -1.1%. Quality floor flags this regardless of sector context.static

Roe
0.0
Roa
0.0
Operating Margin
0.0
Net Margin
0.0
Fcf Quality
0.0
Gross Margin
1.1
Moat
2.5
Piotroski F
3.3
Current Ratio
5.6
Cash-burning: FCF -9% of revenueNo competitive moatWeak Piotroski F-Score: 3/9Quality concerns

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
0.0
Quality Rank
0.7
Value Rank
9.2
Attractive P/E vs peers

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Obv
1.0
Volume
1.3
Macd
3.8
Rsi
5.5
Ma Position
8.0
Volume distribution (falling OBV)Above 200-MA but MA slope flat
GatesMomentum 3.9<4.5A.R:R UPSIDE_EXHAUSTED (upside=0.0%)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
47 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $15.64Resistance $16.33

Price Targets

$16
$16
A.Upside0.0%
A.R:R0.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Quality below floor (1.4 < 4.0)
! Momentum score 3.9/10 — below 4.5 minimum

Earnings

We could not retrieve earnings history for BHFAP.
The company may be recently listed, pre-revenue, or its beat/miss record wasn't available from our source this run. Earnings signals feed the Growth and Catalyst score dimensions — absence here doesn't affect other dimensions.

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BHFAP stock a buy right now?

Sell if holding. Engine safety override at $16.00: Quality below floor (1.4 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.4/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: RSI 47 mid-range, Bollinger mid-band. Prior stop was $15.62. Score 4.4/10, moderate confidence.

What is the BHFAP stock price target?

Take-profit target: $16.00 (0.0% upside). Prior stop was $15.62. Stop-loss: $15.62.

What are the risks of investing in BHFAP?

Quality below floor (1.4 < 4.0).

Is BHFAP overvalued or undervalued?

Brighthouse Financial, Inc. - D trades at a P/E of 1.3 (forward N/A). TrendMatrix value score: 10.0/10. Verdict: Sell.

What do analysts say about BHFAP?

14 analysts cover BHFAP with a consensus score of 2.6/5.

What does Brighthouse Financial, Inc. - D do?Brighthouse Financial is one of the largest U.S. annuity and life insurance providers with 2.0M+ contracts/policies and...

Brighthouse Financial is one of the largest U.S. annuity and life insurance providers with 2.0M+ contracts/policies and $206B in AUM at December 31, 2025, organized into Annuities, Life, Run-off, and Corporate & Other segments. Revenue is driven by fees on variable annuity account values and Shield Annuity deposits ($8.7B in 2025); a merger with Aquarian Parent is pending (stockholder-approved February 2026).