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

SellModerate Confidence

Financial Services · Insurance - Life

Sell if holding. Engine safety override at $16.14: Quality below floor (3.1 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality; Negative price momentum.

Brighthouse Financial is one of the largest U.S. annuity and life insurance providers with $206B in AUM and over 2 million policies in force. Revenue comes from fees on variable annuities, Shield Annuities, and life products; substantially all revenues originate in the U.S. A... Read more

$16.14+0.5% A.UpsideScore 4.8/10#14 of 15 Insurance - Life
Stop $15.72Target $16.22(resistance)A.R:R 0.0:1

Sell if holding. Engine safety override at $16.14: Quality below floor (3.1 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 4.8/10, moderate confidence.

Passes 5/7 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear). Fails on weak momentum. Suitability: moderate.

Val10.0Qual3.1Grw0.0Mom3.6Sent5.0Ins4.8Peer4.7Tech5.2Risk7.74.8OVERALL

Thesis

Rewards
No bull case signals
Risks
Quality below floor (3.1 < 4.0)

Key Metrics

P/E (TTM)1.3
P/E (Fwd)—
Mkt Cap—
EV/EBITDA—
Profit Mgn6.2%
ROE7.4%
Rev Growth-31.6%
Beta0.92
Dividend10.33%
Rating analysts15

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

3 floor-breakers·1 ceiling hit

Revenue shrinking — -31.6% YoY. Growth thesis broken unless recovery story develops.static

Revenue Growth
0.0
Earnings Growth
0.0
Declining revenue: -32%

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

Fcf Quality
0.0
Roa
0.1
Roe
2.5
Current Ratio
2.7
Gross Margin
2.8
Net Margin
3.1
Piotroski F
3.3
Moat
5.0
Operating Margin
8.5
Earnings quality RED FLAG: -140% FCF/NINo competitive moatWeak Piotroski F-Score: 3/9

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

Volume
0.7
Obv
1.0
Macd
3.6
Ma Position
5.0
Rsi
7.6
Uptrend pullback (RSI 39) - buy opportunityVolume distribution (falling OBV)Above 200-MA but MA slope flat
GatesMomentum 3.6<4.5A.R:R UPSIDE_EXHAUSTED (upside=0.0%)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARSuitability: Moderate
RSI
39 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $15.29Resistance $16.55

Price Targets

$16
$16
A.Upside+0.5%
A.R:R0.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Quality below floor (3.1 < 4.0)
! Momentum score 3.6/10 — 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 $16.14: Quality below floor (3.1 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.8/10. Specifically: Below-average business quality; Negative price momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $15.72. Score 4.8/10, moderate confidence.

What is the BHFAP stock price target?

Take-profit target: $16.22 (+0.5% upside). Prior stop was $15.72. Stop-loss: $15.72.

What are the risks of investing in BHFAP?

Quality below floor (3.1 < 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?

15 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 $206B in AUM and over 2...

Brighthouse Financial is one of the largest U.S. annuity and life insurance providers with $206B in AUM and over 2 million policies in force. Revenue comes from fees on variable annuities, Shield Annuities, and life products; substantially all revenues originate in the U.S. A pending acquisition by Aquarian Parent is expected to close in 2026.