Brighthouse Financial (BHF)
NASDAQFinancialsInsurance - LifeSnapshot 2026-09-04
$53.58-0.24%
Close 2026-09-04 · 1-day change
NASDAQFinancialsInsurance - LifeSnapshot 2026-09-04
QuarterlyIQ Insights · BHF
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -71.4% |
| Our one-year growth estimate | diamond | 23.0% |
Growth built into the price is above our model estimate.
The price assumes 94.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Worth watching into the next print: this name is on a run of consecutive earnings misses and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 13 industry peers · Company calendar date is not available
BHF — earnings miss
Dated 2026-08-05
Results of Operations and Financial Condition. On August 5, 2026, Brighthouse Financial, Inc. (“Brighthouse Financial” or the “Company”) issued (i) a news release announcing its results for the quarter ended June 30, 2026, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, and (ii) a Financial Supplement for the quarter ended June 30, 2026, a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference. In accordance with Ge…
Why it matters: A drop in the RBC ratio below 400% can mean money problems and regulatory issues.
Worry ifRBC ratio is below 400%. This shows possible money trouble.
Less concerning ifRBC ratio is between 430% and 450%. This shows the company is stable.
Why it matters: Stable net income means the company is handling its financial risks better. This can help investor trust.
Supportive ifNet income is more stable. It is getting closer to being positive.
Worry ifNet income remains negative or worsens.
Why it matters: Maintaining the RBC ratio between 400%-450% is key for financial stability. It affects investor trust.
Worry ifRBC ratio remains between 430% and 450% in Q3.
Less concerning ifRBC ratio falls below 430%. This shows possible financial strain.
Why it matters: Growth in adjusted earnings shows the company can make more money. This is important for investor trust.
Supportive ifQ2 adjusted earnings exceed $239 million, showing growth from Q1.
Worry ifQ2 adjusted earnings are below $239 million. This shows the company may not be growing.
Why it matters: Changes in net income can show issues with managing money or market conditions.
Worry ifNet income for shareholders has dropped a lot compared to Q2 2026 results.
Less concerning ifNet income stays the same or goes up compared to Q2 2026 results.
Why it matters: Big changes in net income can mean problems in managing money. This can hurt investor trust.
Worry ifNet income remains negative or worsens in Q2 compared to -$766 million in Q1.
Less concerning ifNet income stays steady or gets better in Q2. This shows improved money management.
Why it matters: Exceeding $2.5 billion would show strong demand for Shield Level Annuities, supporting growth.
Supportive ifAnnuity sales for Q3 are over $2.5 billion. This shows strong growth.
Worry ifAnnuity sales for Q3 are below $2.2 billion. This suggests weaker demand.
Why it matters: Sales above $39 million show demand for SmartCare. This supports growth.
Supportive ifLife insurance sales for Q3 are over $39 million. This shows strong performance.
Worry ifLife insurance sales for Q3 fall below $32 million, suggesting a decline in demand.
Why it matters: Finishing the merger would give strategic benefits. It would also strengthen capital.
Supportive ifThe merger will close by December 6, 2026. It has all needed approvals.
Worry ifThe merger may be delayed past December 6, 2026. This is due to regulatory issues.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$53 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $265 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,213 loss on $10,000 · 22.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.