BHF (Brighthouse Financial) Moat Score: 4/10 (As of Jun. 30, 2026)


BHF Brighthouse Financial Inc BHF
74 GF Score
Price $63.30
GF Value $79.16
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Brighthouse Financial Moat Score?

Brighthouse Financial BHF -0.42% 74 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates BHF with a GF Score™ of 74/100 and a GF Value™ of $79.16 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 601 Insurance companies, Brighthouse Financial ranks better than 79.7% on this metric.

Brighthouse Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Brighthouse Financial has Narrow Moat: Brighthouse Financial has a modest moat with some customer loyalty and regulatory barriers in the insurance industry. However, it lacks strong pricing power and significant cost advantages, limiting its competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Brighthouse Financial might have Narrow Moat - Discernible but modest moat.

Brighthouse Financial  (NAS:BHF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Brighthouse Financial Moat Score Related Terms

BHF vs GNW, FG, CNO: Moat Score Comparison

For the Insurance - Life subindustry, Brighthouse Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Brighthouse Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Brighthouse Financial's Moat Score falls into.


BHF
74GF Score
Brighthouse Financial Inc BHF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Brighthouse Financial (BHF) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Brighthouse Financial ranks #122 out of 601 companies in the Insurance industry, placing it in the top 20.3%.
Is Brighthouse Financial's Moat Score too high?
Brighthouse Financial's current Moat Score is 4. Based on the distribution chart, Brighthouse Financial ranks #122 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Brighthouse Financial has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Brighthouse Financial's Moat Score compare to GNW and FG?
According to the Insurance industry distribution chart, Brighthouse Financial ranks #122 out of 601 companies for Moat Score. This places Brighthouse Financial in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Brighthouse Financial's current Moat Score is 4. 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 Modestly Undervalued. The stock's GF Value™ is $79.16, compared to a current price of $63.30 — trading 20% below its estimated fair value. The current Moat Score is 4. Brighthouse Financial's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Brighthouse Financial (BHF), the current Moat Score is 4 as of Jun. 30, 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 $63.30 is trading 20% below its estimated GF Value™ of $79.16. GuruFocus considers Brighthouse Financial to be Modestly Undervalued.

Key valuation signals for BHF:

  • Moat Score: 4
  • GF Value™: $79.16 vs. price of $63.30 (20% below fair value)
  • GF Score™: 74/100 with 5 warning signs

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 Business Description

Address 11225 North Community House Road, Charlotte, NC, USA, 28277
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$63.30
Price
$79.16
GF Value