Stock Ratings / Financials / BHF / financials

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Brighthouse Financial Inc. (BHF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: Is BHF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Brighthouse Financial Inc. (NASDAQ: BHF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $42.98 (-1.89% 1D, market cap $2.47B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BHF ranks #347 in composite RQD confidence.

Q: How does BHF compare to FG and GNW in the Financials sector?

Within the Financials sector (Life Insurance), BHF carries a Roarable C (64/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 4.9%. By comparison, FG (F&G Annuities & Life Inc.) holds a D+ grade (55/100 RQD, P/E 11.1x, ROIC 5.2%, cap $2.76B) and GNW (Genworth Financial Inc) posts a C grade (65/100 RQD, P/E 15.3x, ROIC 2.5%, cap $3.41B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while FG leads on capital efficiency (5.2% ROIC).

Q: What are the biggest fundamental strengths and SEC risk factors for BHF?

Per BHF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001685040), Brighthouse Financial Inc. generated $6.77B in revenue (+43.2% YoY), $331.0M in net income, and $259.0M in free cash flow against $241.80B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Q: Where is BHF trading relative to its 50-day, 200-day, and 52-week technical levels?

BHF last traded at $42.98 (-1.89% on volume of 1,219,916 shares), positioning the stock -13.71% below its 50-day simple moving average ($49.81) and -27.23% below its 200-day simple moving average ($59.06). Across its 52-week range of $41.98 to $66.80, BHF sits at the 4.0% percentile with a 14-day RSI of 26.5 (OVERSOLD (<32)) and an implied next-earnings move of ±5.3% ($40.70 to $45.26).

Q: How profitable is Brighthouse Financial Inc. (BHF)?

In FY 2025 (10-K), BHF converted $6.8B of revenue into a 52% gross margin, 0% operating margin, and $259.0M in free cash flow (3.8% FCF margin).

$42.98 -1.89% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $42.75

Brighthouse Financial Inc. (BHF) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $2.47B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $42.75 (-0.53%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BHF)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY BHF SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (22% of score)

FRED Regime × Technicals: 4% of 52W Range • RSI-14 at 26.5 (OVERSOLD (<32))

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$48.53-1.6% Next Q

Q2 (-2Q)

Grade B-$47.77-4.9% Next Q

Q3 (-1Q)

Grade B-$45.41-5.4% Next Q

Current

Grade C$42.98+1.1% Hist 90D α

Trajectory: B (72) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BHF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, BHF faces multiple-compression risk if 7.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($49.81) or 200D SMA ($59.06) invalidates the momentum regime and cuts Target Base ($44.14) toward Bear Floor ($34.43).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BHF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BHF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BHF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$259.0M (3.8% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.12B

FY24

Rev $4.72B

FY25

Rev $6.77B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$6.77B	52%	0%	$331.0M	$259.0M	4.9%
FY 2024	$4.72B	52%	0%	$286.0M	-$290.0M	4.9%
FY 2023	$4.12B	52%	0%	-$1.21B	-$137.0M	4.9%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BHF)

✓Walkthrough of BHF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

BHF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -30.97%🛡️ HOLDING TREND SUPPORT

2026-10-30O $43.04H $44.03L $42.93C $42.98VOL 728.3K

RES: $73.41SUP: $42.03SMA50: $49.81SMA200: $59.06

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BHF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BHF Butterfly Map → + Track BHF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.7%/yr Implied 5Y Growth

vs. +43.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BHF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BHF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BHF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BHF)

Financials Rank #347 of 1096 ⚔️ FG vs BHF Full Matrix →

1. Head-to-Head Financials Peer Comparison (BHF vs. FG, GNW, LNC, PRI)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Brighthouse Financial Inc. (BHF) ranks #347 by composite RQD confidence (64/100, grade C) and #397 by equity capitalization ($2.47B). Within this direct 5-issuer industry benchmark cohort, LNC leads on earnings valuation at 6.7x trailing P/E, while FG leads on capital efficiency and profitability with 5.2% ROIC and — gross margin. PRI currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with BHF at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BHF ACTIVE Brighthouse Financial Inc.	C	64/100	7.5x	—	4.9%	-1.89%	$2.47B	Benchmark Subject
FG F&G Annuities & Life Inc.	D+	55/100	11.1x	—	5.2%	+2.18%	$2.76B	/fg-vs-bhf →
GNW Genworth Financial Inc	C	65/100	15.3x	—	2.5%	+1.69%	$3.41B	/gnw-vs-bhf →
LNC Lincoln National Corporation	D-	42/100	6.7x	—	0.9%	+1.75%	$7.92B	/lnc-vs-bhf →
PRI Primerica Inc.	C+	66/100	24.4x	—	5.2%	+1.61%	$8.73B	/pri-vs-bhf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001685040

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Brighthouse Financial Inc. (BHF) reported GAAP revenue of $6.77B (+43.2% vs. FY2024 revenue of $4.72B , and +64.3% cumulative change since FY2023) , GAAP net income of $331.0M, operating cash flow of $259.0M, and free cash flow of $259.0M (+189.3% YoY). On the balance sheet, BHF closed FY2025 with $241.80B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$6.77B	$331.0M	$259.0M	$259.0M	$241.80B	—
FY2024 (FY)	2024-12-31	$4.72B	$286.0M	-$290.0M	-$290.0M	$238.54B	—
FY2023 (FY)	2023-12-31	$4.12B	-$1.21B	-$137.0M	-$137.0M	—	—

3. BHF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BHF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Brighthouse Financial Inc. (NASDAQ: BHF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $42.98 (-1.89% 1D, market cap $2.47B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BHF ranks #347 in composite RQD confidence.

How does BHF compare to FG and GNW in the Financials sector?

Within the Financials sector (Life Insurance), BHF carries a Roarable C (64/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 4.9%. By comparison, FG (F&G Annuities & Life Inc.) holds a D+ grade (55/100 RQD, P/E 11.1x, ROIC 5.2%, cap $2.76B) and GNW (Genworth Financial Inc) posts a C grade (65/100 RQD, P/E 15.3x, ROIC 2.5%, cap $3.41B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while FG leads on capital efficiency (5.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BHF?

Per BHF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001685040), Brighthouse Financial Inc. generated $6.77B in revenue (+43.2% YoY), $331.0M in net income, and $259.0M in free cash flow against $241.80B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BHF trading relative to its 50-day, 200-day, and 52-week technical levels?

BHF last traded at $42.98 (-1.89% on volume of 1,219,916 shares), positioning the stock -13.71% below its 50-day simple moving average ($49.81) and -27.23% below its 200-day simple moving average ($59.06). Across its 52-week range of $41.98 to $66.80, BHF sits at the 4.0% percentile with a 14-day RSI of 26.5 (OVERSOLD (<32)) and an implied next-earnings move of ±5.3% ($40.70 to $45.26).

BHF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Brighthouse Financial Inc. (BHF)?

In FY 2025 (10-K), BHF converted $6.8B of revenue into a 52% gross margin, 0% operating margin, and $259.0M in free cash flow (3.8% FCF margin).

Direct Sub-Reports: BHF RQD Cockpit BHF 12M Forecast BHF Earnings & Move BHF Dividends & DRIP BHF Insiders & 13F BHF Whale Options BHF Profit Sankey BHF News & Why