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Brighthouse FinancialBHF +1.28%74 Equity-to-Asset is 0.03 as of Jun. 2026, which is 50% below its 10-year median of 0.06. GuruFocus rates BHF with a GF Score™ of 74/100 and a GF Value™ of $86.90 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 500 Insurance companies, Brighthouse Financial ranks worse than 94% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Brighthouse Financial Equity-to-Asset Related Terms
Brighthouse Financial Equity-to-Asset Historical Data
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The historical data trend for Brighthouse Financial's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Brighthouse Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Brighthouse Financial Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Brighthouse Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Brighthouse Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Brighthouse Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Brighthouse Financial (BHF) has a Equity-to-Asset of 0.03 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Brighthouse Financial and its competitors. This is 50% below median its historical median of 0.06. Over the past decade, Brighthouse Financial's Equity-to-Asset has ranged from 0.02 to 0.09. According to the industry distribution chart, Brighthouse Financial ranks #470 out of 500 companies in the Insurance industry, placing it in the top 94%.
Is Brighthouse Financial's Equity-to-Asset too high?
Brighthouse Financial's current Equity-to-Asset of 0.03 is 50% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.09. The Insurance industry median Equity-to-Asset is 0.26. Brighthouse Financial's value of 0.03 is 88.5% below this industry median. Based on the distribution chart, Brighthouse Financial ranks #470 out of 500 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Brighthouse Financial has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Brighthouse Financial's Equity-to-Asset compare to FG and GNW?
According to the Insurance industry distribution chart, Brighthouse Financial ranks #470 out of 500 companies for Equity-to-Asset. This places Brighthouse Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Brighthouse Financial's value of 0.03 is 88.5% below this benchmark. Historically, Brighthouse Financial's own Equity-to-Asset has ranged from 0.02 to 0.09 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.26, Brighthouse Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Brighthouse Financial's current Equity-to-Asset of 0.03 is 88.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Brighthouse Financial and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Brighthouse Financial's current Equity-to-Asset is 0.03, which is 50% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Brighthouse Financial stock overvalued right now?
Based on GuruFocus' analysis, Brighthouse Financial (BHF) is currently considered Significantly Undervalued. The stock's GF Value™ is $86.90, compared to a current price of $53.71 — trading 38.2% below its estimated fair value. The current Equity-to-Asset is 0.03, which is 50% below median its 10-year median of 0.06 and 88.5% below the Insurance industry median of 0.26. Brighthouse Financial's overall GF Score™ is 74/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Brighthouse Financial (BHF), the current Equity-to-Asset is 0.03 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Brighthouse Financial (BHF) Overvalued in 2026?
Based on GuruFocus' analysis, Brighthouse Financial stock appears to be undervalued.
The current stock price of $53.71 is trading 38.2% below its estimated GF Value™ of $86.90.
GuruFocus considers Brighthouse Financial to be Significantly Undervalued.
Key valuation signals for BHF:
Equity-to-Asset: 0.03 (50% below median its 10-year median of 0.06)
GF Value™: $86.90 vs. price of $53.71 (38.2% below fair value)
Industry Position: 88.5% below the Insurance median (#470 of 500)
No single metric tells the full story. See the BHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Brighthouse Financial Inc is a United States-based provider of annuity products and life insurance through independent distribution channels and marketing arrangements with distribution partners. Its segments are: Annuities, that derives majority of the revenue, includes variable, fixed, index-linked, and income annuities; The life segment includes variable, term, universal, and whole life policies; The Run-off segment consists of products that are no longer actively sold and are separately managed, including ULSG, structured settlements, pension risk transfer contracts, certain company-owned life insurance policies and certain funding agreements; and The Corporate & Other segment consists of activities related to funding agreements associated with the company.
74GF Score
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