---
schema_version: "secwatch.filing_event.v1"
accession: "0001685040-26-000009"
form_type: "8-K"
ticker: "BHF"
cik: "0001685040"
company_name: "Brighthouse Financial, Inc."
filed_at: "2026-02-23T23:59:59+00:00"
generated_at: "2026-05-16T01:11:45.163725+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Brighthouse Financial Q4 net income $112M, adjusted earnings $214M; annuity sales $10.3B

## Summary
- Q4 net income $112M ($1.93 diluted) vs $646M ($10.79) in Q4 2024.
- Q4 adjusted earnings $214M ($3.70) vs $304M ($5.07) a year ago.
- Preliminary combined RBC ratio 456%; holding company liquid assets $0.9B.
- Full-year annuity sales $10.3B (record Shield Level Annuities); record life sales $143M.
- Book value per share $88.66; ex-AOCI $153.89.

## SEC filing metadata
- accession: 0001685040-26-000009
- form_type: 8-K
- ticker: BHF
- cik: 0001685040
- company_name: Brighthouse Financial, Inc.
- filed_at: 2026-02-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1685040/000168504026000009/0001685040-26-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1685040/000168504026000009/bhf-20260223.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001685040-26-000009
- JSON: https://secwatch.observer/filing/0001685040-26-000009.json
- Plain text: https://secwatch.observer/filing/0001685040-26-000009.txt

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