Brighthouse Financial (BHF)
NASDAQFinancialsInsurance - LifeSnapshot 2026-11-04
$41.10-3.18%
Close 2026-11-05 · 1-day change
NASDAQFinancialsInsurance - LifeSnapshot 2026-11-04
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 | -76.8% |
| Our one-year growth estimate | diamond |
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.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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.
| 26.3% |
Growth built into the price is above our model estimate.
The price assumes 103.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
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 2026-11-04 · Compared with 6 industry peers
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: Adjusted earnings rose from $198 million in Q2 2025 to $258 million in Q2 2026. A fall below that level would reverse the recent year-over-year gain.
Worry ifQ3 adjusted earnings fall below $258 million.
Less concerning ifQ3 adjusted earnings are at least $258 million and exceed Q3 2025 adjusted earnings.
Why it matters: The company targets a combined RBC ratio of 400% to 450% in normal markets. A reading below 400% would fall short of that range.
Worry ifThe Q3 reported combined RBC ratio is below 400%.
Less concerning ifThe Q3 combined RBC ratio is at least 400% and no higher than 450%.
Why it matters: Adjusted net investment income fell year over year and quarter over quarter in Q2. A further drop would add pressure to earnings.
Worry ifQ3 adjusted net investment income is below $1.239 billion.
Less concerning ifQ3 adjusted net investment income is at least $1.239 billion.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
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 | ±$92 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $210 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,627 loss on $10,000 · 36.3% | 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.