---
schema_version: "secwatch.filing_event.v1"
accession: "0001685040-21-000039"
form_type: "8-K"
ticker: "BHF"
cik: "0001685040"
company_name: "Brighthouse Financial, Inc."
filed_at: "2021-11-04T23:59:59+00:00"
generated_at: "2026-06-28T13:09:05.432222+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Brighthouse Financial reports Q3 2021 net income $361M, adjusted earnings $450M; RBC ratio 520-540%

## Summary
- Net income $361M ($4.34/diluted) vs net loss $3,012M in Q3 2020; adjusted earnings $450M ($5.41) vs adjusted loss $689M.
- Annuity sales up 1% YoY; life sales up 108% YoY.
- Estimated combined RBC ratio between 520% and 540%; holding company liquid assets $1.5B.
- Annual actuarial review resulted in $116M net unfavorable impact to net income, vs $2,210M unfavorable in prior year.
- Year-to-date through Nov 2, 2021, company repurchased $403M of common stock.

## SEC filing metadata
- accession: 0001685040-21-000039
- form_type: 8-K
- ticker: BHF
- cik: 0001685040
- company_name: Brighthouse Financial, Inc.
- filed_at: 2021-11-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1685040/000168504021000039/0001685040-21-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1685040/000168504021000039/bhf-20211104.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001685040-21-000039
- JSON: https://secwatch.observer/filing/0001685040-21-000039.json
- Plain text: https://secwatch.observer/filing/0001685040-21-000039.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.