Stock Ratings / Financials / BHF / forecast

FG (47) GNW (52) LNC (42) PRI (66) ⌘ Pro Terminal →

Brighthouse Financial Inc. (BHF) 12-Month Stock Forecast & Price Target Cone

Q: What is BHF's 12-month stock price target?

Brighthouse Financial Inc. (BHF) carries a 12-month consensus base price target of $42.73 (-2.7% from $43.92), with a bull-case target of $70.14 and a bear-case floor of $33.33.

Q: Is BHF stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates BHF D+ (Sell — SELL) with an RQD Confidence score of 52/100.

$43.92 +2.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.01

Brighthouse Financial Inc. (BHF) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $2.47B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BHF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BHF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, Brighthouse Financial Inc. (NASDAQ: BHF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $43.92 (+2.19% 1D, market cap $2.47B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BHF ranks #623 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BHF compare to FG and GNW in the Financials sector?

▼

Within the Financials sector (Life Insurance), BHF carries a Roarable D+ (52/100 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 (47/100 RQD, P/E 11.1x, ROIC 5.2%, cap $2.76B) and GNW (Genworth Financial Inc) posts a D+ grade (52/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) 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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $44.01 (+0.20%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D+ · Rk D+

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: ±5.2%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY BHF SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (31% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

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

Q1 (-3Q)

Grade C$48.36-1.6% Next Q

Q2 (-2Q)

Grade C$47.60-5.8% Next Q

Q3 (-1Q)

Grade C$44.83-2% Next Q

Current

Grade D+$43.92-1.1% Hist 90D α

Trajectory: C (60) → D+ (52)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a BHF Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BHF currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($49.62) and Max Pain ($46.12) forces dealer call-delta covering toward $70.14.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 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 52%NO 48%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your BHF Position Size: $10,000

Shares at $43.92: 227.7 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $33.33

$7,589

$-2,411 (-24.1%)

12M Consensus BaseTarget $42.73

$9,729

$-271 (-2.7%)

12M Bull Case BreakoutTarget $70.14

$15,970

+$5,970 (+59.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (32 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 6

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$44	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$66	69%	B
JP MorganUS Large-Cap Research	SELL	$38	58%	C

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

BHF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -29.94%🛡️ HOLDING TREND SUPPORT

2026-11-02O $43.81H $43.92L $42.98C $43.92VOL 1.22M

RES: $73.65SUP: $41.57SMA50: $49.62SMA200: $58.95

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 #623 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 #623 by composite RQD confidence (52/100, grade D+) 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 52/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BHF ACTIVE Brighthouse Financial Inc.	D+	52/100	7.5x	—	4.9%	+2.19%	$2.47B	Benchmark Subject
FG F&G Annuities & Life Inc.	D	47/100	11.1x	—	5.2%	+0.38%	$2.76B	/fg-vs-bhf →
GNW Genworth Financial Inc	D+	52/100	15.3x	—	2.5%	-2.77%	$3.41B	/gnw-vs-bhf →
LNC Lincoln National Corporation	D-	42/100	6.7x	—	0.9%	-0.87%	$7.92B	/lnc-vs-bhf →
PRI Primerica Inc.	C+	66/100	24.4x	—	5.2%	-0.87%	$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?

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

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

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

BHF last traded at $43.92 (+2.19% on volume of 728,434 shares), positioning the stock -11.49% below its 50-day simple moving average ($49.62) and -25.50% below its 200-day simple moving average ($58.95). Across its 52-week range of $41.98 to $66.80, BHF sits at the 7.8% percentile with a 14-day RSI of 23.6 (OVERSOLD (<32)) and an implied next-earnings move of ±5.2% ($41.64 to $46.20).

BHF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is BHF's 12-month stock price target?

Brighthouse Financial Inc. (BHF) carries a 12-month consensus base price target of $42.73 (-2.7% from $43.92), with a bull-case target of $70.14 and a bear-case floor of $33.33.

Is BHF stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates BHF D+ (Sell — SELL) with an RQD Confidence score of 52/100.

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