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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to FORM 10 - K Commission File Number : 001-37905 Brighthouse Brighthouse Financial , Inc. ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation or organization ) 11225 North Community House Road , Charlotte , North Carolina ( Address of principal executive offices ) ( 980 ) 365-7100 ( Registrant's telephone number , including area code ) Title of each class Common Stock , par value $ 0.01 per share Depositary Shares , each representing a 1 / 1,000th interest in a share of 6.600 % Non - Cumulative Preferred Stock , Series A Securities registered pursuant to Section 12 ( b ) of the Act : Trading symbol ( s ) . BHF BHFAP Depositary Shares , each representing a 1 / 1,000th interest in a share of 6.750 % Non - Cumulative Preferred Stock , Series B FINANCIAL® Depositary Shares , each representing a 1 / 1,000th interest in a share of 5.375 % Non - Cumulative Preferred Stock , Series C 6.250 % Junior Subordinated Debentures due 2058 BHFAO BHFAN BHFAL 81-3846992 ( I.R.S. Employer Identification No. ) 28277 ( Zip Code ) Name of each exchange on which registered The Nasdaq Stock Market LLC The Nasdaq Stock Market LLC The Nasdaq Stock Market LLC The Nasdaq Stock Market LLC The Nasdaq Stock Market LLC Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes þ No " Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . Yes " No p Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes p No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes p No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer p Non - accelerated filer Accelerated filer Smaller reporting company Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No þ As of June 30 , 2020 , the last business day of the registrant's most recently completed second fiscal quarter , the aggregate market value of the registrant's common stock held by non affiliates of the registrant was approximately $ 2.6 billion . As of February 22 , 2021 , 87,378,950 shares of the registrant's common stock were outstanding . DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant's proxy statement to be filed with the U.S. Securities and Exchange Commission in connection with the registrant's 2021 annual meeting of stockholders ( the " 2021 Proxy Statement " ) are incorporated by reference into Part III of this Annual Report on Form 10 - K . Such 2021 Proxy Statement will be filed within 120 days of the registrant's fiscal year ended December 31 , 2020 .