JXN Stock Analysis: Jackson Financial | NYSE
Insurance - Life | NYSE, USA | Market Cap: 8.708m USD | 12M Return: 45.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 74.9M
EPS Trend: 86.7%
Qual. Beats: -1
Rev. Trend: 84.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 4.8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Jackson Financial Inc. (NYSE: JXN) is a Lansing, Michigan-based provider of retirement income, savings, and life insurance products, primarily serving U.S. retail investors. The company operates through three segments: Retail Annuities (variable, fixed index, fixed, payout, and registered index-linked annuities), Institutional Products (guaranteed investment contracts, funding agreements, FHLB-backed agreements, and medium-term funding agreement-backed notes), and Closed Life and Annuity Blocks (life insurance and legacy annuity policies). It also offers investment management services and distributes through independent broker-dealers, wirehouses, banks, RIAs, third-party platforms, and insurance agents.
The company was incorporated in 2006 and spun off from Prudential Financial, completing its IPO in September 2021. Within the life insurance and annuities industry, Jackson is among the larger U.S. annuity writers, with fixed index and registered index-linked annuities representing a meaningful share of recent industry growth as investors seek principal-protected retirement income options.
- Long-term Treasury yields expand annuity spread margins
- Equity market volatility raises variable annuity hedging costs
- Share buyback program accelerates capital return to shareholders
| Net Income: -373.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.29 > 1.0 |
| NWC/Revenue: 1.01k% < 20% (prev 704.1%; Δ 301.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 5.21b > Net Income -373.0m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 4.78 > 1.5 & < 3 |
| Outstanding Shares: last quarter (69.7m) vs 12m ago -5.11% < -2% |
| Gross Margin: 83.44% > 18% (prev 20.43%; Δ 63.00% > 0.5%) |
| Asset Turnover: 1.76% > 50% (prev 2.19%; Δ -0.43% > 0%) |
| Interest Coverage Ratio: -4.97 > 6 (EBIT TTM -497.0m / Interest Expense TTM 100.0m) |
| A: 0.17 (Total Current Assets 74.5b - Total Current Liabilities 15.6b) / Total Assets 340b |
| B: 0.02 (Retained Earnings 6.97b / Total Assets 340b) |
| C: -0.00 (EBIT TTM -497.0m / Avg Total Assets 333b) |
| D: 0.03 (Book Value of Equity 9.50b / Total Liabilities 330b) |
| Altman-Z'' = 1.23 = BB |
| DSRI: 1.11 (Receivables 19.7b/21.7b, Revenue 5.86b/7.17b) |
| GMI: 0.24 (GM 20.43% / 83.44%) |
| AQI: 0.99 (AQ_t 0.78 / AQ_t-1 0.79) |
| SGI: 0.82 (Revenue 5.86b / 7.17b) |
| TATA: -0.02 (NI -373.0m - CFO 5.21b) / TA 340b) |
| Beneish M = -3.76 (Cap -4..+1) = AAA |
As of July 21, 2026, the stock is trading at USD 123.02 with a total of 403,740 shares traded. Over the past week, the price has changed by +1.84%, over one month by +12.47%, over three months by +11.36% and over the past year by +45.71%.
Current recommended Stop Loss: 114.20 (which is 7.2% or 2.5 ATR below the current price).
Jackson Financial has received a consensus analysts rating of 2.80. Therefore, it is recommended to hold JXN.
- StrongBuy: 0
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 134.3 | 9.1% |
P/S = 1.4695
P/B = 0.9487
Revenue TTM = 5.86b USD
EBIT TTM = -497.0m USD
EBITDA TTM = -497.0m USD
Long Term Debt = 4.57b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 4.57b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -50.3b USD (calculated: Debt 4.57b - CCE 54.8b)
Enterprise Value = 8.71b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = -4.97 (Ebit TTM -497.0m / Interest Expense TTM 100.0m)
EV/FCF = 1.67x (Enterprise Value 8.71b / FCF TTM 5.21b)
FCF Yield = 59.82% (FCF TTM 5.21b / Enterprise Value 8.71b)
FCF Margin = 88.86% (FCF TTM 5.21b / Revenue TTM 5.86b)
Net Margin = -6.36% (Net Income TTM -373.0m / Revenue TTM 5.86b)
Gross Margin = 83.44% ((Revenue TTM 5.86b - Cost of Revenue TTM 971.0m) / Revenue TTM)
Gross Margin QoQ = 22.09% (prev none%)
Tobins Q-Ratio = 0.03 (Enterprise Value 8.71b / Total Assets 340b)
Interest Expense / Debt = 2.19% (Interest Expense 100.0m / Debt 4.57b)
Taxrate = 21.0% (US federal default 21%)
NOPAT = -392.6m (EBIT -497.0m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 4.78 (Total Current Assets 74.5b / Total Current Liabilities 15.6b)
Debt / Equity = 0.48 (Debt 4.57b / totalStockholderEquity, last quarter 9.50b)
Debt / EBITDA = 101.1 (negative EBITDA) (Net Debt -50.3b / EBITDA -497.0m)
Debt / FCF = -9.65 (Net Debt -50.3b / FCF TTM 5.21b)
Total Stockholder Equity = 10.0b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.11% (Net Income -373.0m / Total Assets 340b)
RoE = -3.73% (Net Income TTM -373.0m / Total Stockholder Equity 10.0b)
RoCE = -3.41% (EBIT -497.0m / Capital Employed (Equity 10.0b + L.T.Debt 4.57b))
RoIC = -0.12% (negative operating profit) (NOPAT -392.6m / Invested Capital 324b)
WACC = 7.75% (E(8.71b)/V(13.3b) * Re(10.91%) + D(4.57b)/V(13.3b) * Rd(2.19%) * (1-Tc(0.21)))
Discount Rate = 10.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.83 | Cagr: -5.89%
[DCF] Terminal Value 73.52% ; FCFF base≈5.51b ; Y1≈4.94b ; Y5≈4.18b
[DCF] Fair Price = 1.68k (EV 66.8b - Net Debt -50.3b = Equity 117b / Shares 69.7m; r=8.35% [WACC [floored]]; 5y FCF grow -12.62% → 2.50% )
EPS Correlation: 86.66 | EPS CAGR: 19.24% | SUE: -1.84 | # QB: -1
Revenue Correlation: 84.93 | Revenue CAGR: 51.30% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-06-30): EPS=5.76 | Chg30d=+3.10% | Revisions=-25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=6.03 | Chg30d=+3.70% | Revisions=-25% | Analysts=2
EPS current Year (2026-12-31): EPS=23.66 | Chg30d=+3.07% | Revisions=-50% | GrowthEPS=+4.4% | GrowthRev=+16.6%
EPS next Year (2027-12-31): EPS=28.02 | Chg30d=+8.21% | Revisions=-57% | GrowthEPS=+18.4% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: -75% (up=0, down=9)