Brighthouse Financial, Inc. - D (BHFAM) Fair Value 2026

BHFAM · Life Insurance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.4 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (4/100)

Quick Summary — As of 2026-07-15, Brighthouse Financial, Inc. - D (BHFAM) trades at $10.48. QOC: 6.4/10. Value Trap Risk: 4/100 (SAFE). 3/13 models active.

Key Facts

Ticker
BHFAM
Price
$10.48
Quality Score
6.4/10
Value Trap Risk
4/100
Models Active
3/13
Last Updated
Strength: Regime Cross-Sectional suggests +494.6% upside with 37% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is Brighthouse Financial, Inc. - D (BHFAM) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Brighthouse Financial, Inc. - D (BHFAM) appears undervalued as of : the median of 3 independent fair value estimates is $43.26, 312.8% above the current price of $10.48. Estimates range from $15.32 to $62.31. BHFAM scores 6.4/10 on fundamental quality and 4/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Brighthouse Financial, Inc. - D Stock in 2026? →

Valuation Matrix

3 Intrinsic Value Models vs. Current Price ($10.48)

Core Models (Unlocked)
Model Fair Value Upside
Markov DDM
Medium Conviction
 $15.32 +46.2%
Regime Cross-Sectional
Medium Conviction
 $62.31 +494.6%
FTNN Topology
Low Conviction
 $43.26 +312.8%

All Models Active

All 3 models are displayed above.

What Is Brighthouse Financial, Inc. - D (BHFAM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Brighthouse Financial, Inc. - D is potentially undervalued at its current price of $10.48. Based on our 13-model framework, Brighthouse Financial, Inc. - D's intrinsic value is estimated at a composite fair value of $40.30 — representing +284.5% implied upside — with 3 out of 3 active models confirming this thesis. Model dispersion is worth noting: Regime Cross targets $62.31 (+494.6%), versus Markov DDM at $15.32 (+46.2%). This +448.4% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About BHFAM?

3 of 13 models are currently active for BHFAM. All 3 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does BHFAM Rank in Life Insurance?

Among 28 Life Insurance stocks, BHFAM ranks #19 by Quality of Company score. CirclFi's QOC score of 6.4/10 evaluates 32 fundamental signals. A score of 6.4 indicates above-average quality.

The Life Insurance sector introduces analytical considerations specific to risk-bearing enterprise businesses. For Brighthouse Financial, Inc. - D, metrics like premium growth rate provide important context that general-purpose valuation models may underweight.

Is BHFAM a Value Trap?

CirclFi's Value Trap algorithm assigns BHFAM a score of 4/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Brighthouse Financial, Inc. - D. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Brighthouse Financial, Inc. - D earns a quality score of 6.4/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +448.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BHFAM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BHFAM's 3 active models, average confidence is 30%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Brighthouse Financial, Inc. - D Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Life Insurance Stocks Should You Also Analyze?

8 related Life Insurance stocks with 13-model coverage

PRIPrimerica, Inc.QOC 10.0GLGlobe Life Inc.QOC 9.0FGF&G Annuities & Life, Inc.QOC 9.0FGNF&G Annuities & Life, Inc. 7.95QOC 8.7FGSNF&G Annuities & Life, Inc. 7.30QOC 8.7CIACitizens, Inc.QOC 8.0MFCManulife Financial CorporationQOC 7.9RZCReinsurance Group of America, IQOC 7.6

Read investment analysis: PRI · GL · FG · FGN · FGSN

Frequently Asked Questions About Brighthouse Financial, Inc. - D

What is Brighthouse Financial, Inc. - D's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Brighthouse Financial, Inc. - D (BHFAM) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 6.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BHFAM overvalued or undervalued right now?

At $10.48, 3 of 3 active models suggest BHFAM may be undervalued, while 0 indicate potential overvaluation. The median of all 3 fair value estimates is $43.26, 312.8% above the current price of $10.48 — a consensus view that BHFAM is undervalued. The assessment depends on which methodology best fits Brighthouse Financial, Inc. - D's business model in Life Insurance.

What does a Quality of Company score of 6.4 mean for BHFAM?

Brighthouse Financial, Inc. - D's QOC of 6.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on BHFAM?

CirclFi analyzes BHFAM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Is BHFAM a value trap in 2026?

Brighthouse Financial, Inc. - D's Value Trap score is 4/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Brighthouse Financial, Inc. - D (BHFAM) has a median fair value of $43.26 — 312.8% above the current price of $10.48 — as of 2026-07-15.” Source: circlfi.com/stock/BHFAM/ · Methodology