(JXN) Jackson Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US46817M1071

Annuities, Life Insurance, Investment Contracts

Diversified Financial Services
Market Cap in USD: 8,174m

IPO / Inception: 2021-09-01
12m vs SPY: 17.9%

EPS (Earnings per Share)

EPS CAGR: -46.31%
EPS Trend: -16.7%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: -5.79%
Rev. Trend: -9.7%

Last SUE: -0.30
Qual. Beats: 0

Dividends

Dividend Yield	3.61%
Yield on Cost 5y	12.60%
Yield CAGR 5y	13.30%
Payout Consistency	100.0%
Payout Ratio	15.6%

Risk via 5d forecast
Volatility	34.6%
Value at Risk 5%th	52.5%
Relative Tail Risk	-7.95%

Reward TTM
Sharpe Ratio	0.91
Alpha	10.66
CAGR/Max DD	1.35

Character TTM
Hurst Exponent	0.500
Beta	1.355
Beta Downside	1.738

Drawdowns 3y
Max DD	41.52%
Mean DD	14.01%
Median DD	12.91%

Description: JXN Jackson Financial January 08, 2026

Jackson Financial Inc. (NYSE:JXN) operates a diversified annuity platform for U.S. retail investors, organized into three segments: Retail Annuities, Institutional Products, and Closed Life & Annuity Blocks. The Retail Annuities line sells variable, fixed-index, fixed, and payout annuities plus registered index-linked and lifetime income solutions. Institutional Products deliver guaranteed investment contracts, funding agreements tied to the Federal Home Loan Bank program, and medium-term funding-agreement-backed notes. The Closed Life segment offers whole life, universal life, variable universal life, term life policies, and group payout annuities, complemented by investment-management services. Distribution is broad, encompassing independent broker-dealers, wirehouses, regional brokers, banks, RIAs, third-party platforms, and insurance agents.

Recent filings show FY 2023 revenue of roughly $1.2 billion with a net income margin of ~5%, reflecting the low-margin nature of annuity underwriting. The business is highly interest-rate sensitive: rising yields improve the spread on fixed-index products but can suppress demand for fixed annuities as investors seek higher-yield alternatives. Demographic trends-particularly the aging of the Baby-Boom cohort-remain a tailwind for retirement-income solutions, while the broader diversified-financial-services sector is pressured by tightening capital requirements and heightened competition from fintech-enabled wealth platforms.

For a deeper, data-driven view of JXN’s valuation dynamics and scenario analysis, you might explore the company’s profile on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (576.0m TTM) > 0 and > 6% of Revenue (6% = 284.8m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.11pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 740.5% (prev 1312 %; Δ -571.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 5.66b > Net Income 576.0m (YES >=105%, WARN >=100%)

Net Debt (86.0m) to EBITDA (724.0m) ratio: 0.12 <= 3.0 (WARN <= 3.5)

Current Ratio 3.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (70.3m) change vs 12m ago -6.76% (target <= -2.0% for YES)

Gross Margin 40.93% (prev 4.17%; Δ 36.76pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 1.36% (prev 1.11%; Δ 0.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.08 (EBITDA TTM 724.0m / Interest Expense TTM 100.0m) >= 6 (WARN >= 3)

Altman Z'' 0.74

(A) 0.10 = (Total Current Assets 50.65b - Total Current Liabilities 15.50b) / Total Assets 353.56b

(B) 0.02 = Retained Earnings (Balance) 7.74b / Total Assets 353.56b

(D) 0.01 = Book Value of Equity 5.13b / Total Liabilities 343.06b

Total Rating: 0.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 49.39

1. Piotroski 4.50pt

2. FCF Yield 68.54%

3. FCF Margin data missing

4. Debt/Equity 0.45

5. Debt/Ebitda 0.12

6. ROIC - WACC (= -7.13)%

7. RoE 5.67%

8. Rev. Trend -9.66%

9. EPS Trend -16.72%

What is the price of JXN shares?

As of January 12, 2026, the stock is trading at USD 117.36 with a total of 400,627 shares traded.
Over the past week, the price has changed by +6.97%, over one month by +10.82%, over three months by +23.91% and over the past year by +42.34%.

Is JXN a buy, sell or hold?

Jackson Financial has received a consensus analysts rating of 2.80. Therefor, it is recommend to hold JXN.

Strong Buy: 0
Buy: 1
Hold: 3
Sell: 0
Strong Sell: 1

What are the forecasts/targets for the JXN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	118.3	0.8%
Analysts Target Price	118.3	0.8%
ValueRay Target Price	168.9	44%

JXN Fundamental Data Overview January 12, 2026

P/E Trailing = 16.414
P/S = 1.6358
P/B = 0.8227
Beta = 1.452
Revenue TTM = 4.75b USD
EBIT TTM = 8.00m USD
EBITDA TTM = 724.0m USD
Long Term Debt = 4.65b USD (from longTermDebt, last quarter)
Short Term Debt = 8.00m USD (from shortTermDebt, last fiscal year)
Debt = 4.65b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 86.0m USD (from netDebt column, last quarter)
Enterprise Value = 8.26b USD (8.17b + Debt 4.65b - CCE 4.56b)
Interest Coverage Ratio = 0.08 (Ebit TTM 8.00m / Interest Expense TTM 100.0m)
EV/FCF = 1.46x (Enterprise Value 8.26b / FCF TTM 5.66b)
FCF Yield = 68.54% (FCF TTM 5.66b / Enterprise Value 8.26b)
FCF Margin = 119.3% (FCF TTM 5.66b / Revenue TTM 4.75b)
Net Margin = 12.13% (Net Income TTM 576.0m / Revenue TTM 4.75b)
Gross Margin = 40.93% ((Revenue TTM 4.75b - Cost of Revenue TTM 2.80b) / Revenue TTM)
Gross Margin QoQ = 27.58% (prev none%)
Tobins Q-Ratio = 0.02 (Enterprise Value 8.26b / Total Assets 353.56b)
Interest Expense / Debt = 0.54% (Interest Expense 25.0m / Debt 4.65b)
Taxrate = -26.39% (negative due to tax credits) (-19.0m / 72.0m)
NOPAT = 10.1m (EBIT 8.00m * (1 - -26.39%)) [negative tax rate / tax credits]
Current Ratio = 3.27 (Total Current Assets 50.65b / Total Current Liabilities 15.50b)
Debt / Equity = 0.45 (Debt 4.65b / totalStockholderEquity, last quarter 10.23b)
Debt / EBITDA = 0.12 (Net Debt 86.0m / EBITDA 724.0m)
Debt / FCF = 0.02 (Net Debt 86.0m / FCF TTM 5.66b)
Total Stockholder Equity = 10.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.16% (Net Income 576.0m / Total Assets 353.56b)
RoE = 5.67% (Net Income TTM 576.0m / Total Stockholder Equity 10.16b)
RoCE = 0.05% (EBIT 8.00m / Capital Employed (Equity 10.16b + L.T.Debt 4.65b))
RoIC = 0.07% (NOPAT 10.1m / Invested Capital 14.14b)
WACC = 7.20% (E(8.17b)/V(12.82b) * Re(10.91%) + D(4.65b)/V(12.82b) * Rd(0.54%) * (1-Tc(-0.26)))
Discount Rate = 10.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.23%
[DCF Debug] Terminal Value 81.26% ; FCFF base≈5.76b ; Y1≈5.82b ; Y5≈6.30b
Fair Price DCF = 1927 (EV 131.04b - Net Debt 86.0m = Equity 130.95b / Shares 68.0m; r=7.20% [WACC]; 5y FCF grow 0.76% → 2.90% )
EPS Correlation: -16.72 | EPS CAGR: -46.31% | SUE: -4.0 | # QB: 0
Revenue Correlation: -9.66 | Revenue CAGR: -5.79% | SUE: -0.30 | # QB: 0
EPS next Quarter (2026-03-31): EPS=6.02 | Chg30d=+0.049 | Revisions Net=+3 | Analysts=2
EPS next Year (2026-12-31): EPS=24.69 | Chg30d=-0.141 | Revisions Net=+5 | Growth EPS=+12.5% | Growth Revenue=+5.7%

Additional Sources for JXN Stock

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