JXN Stock Analysis: Jackson Financial | NYSE
Insurance - Life | NYSE, USA | Market Cap: 9.303m USD | 12M Return: 53.9% | US46817M1071 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 103M
EPS Trend: 77.7%
Qual. Beats: 0
Rev. Trend: 80.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 5.2 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 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: 897.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.05 > 1.0 |
| NWC/Revenue: -2.37k% < 20% (prev 1.16k%; Δ -3.53k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 5.93b > Net Income 897.0m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.37 > 1.5 & < 3 |
| Outstanding Shares: last quarter (68.5m) vs 12m ago -2.58% < -2% |
| Gross Margin: 89.47% > 18% (prev 40.93%; Δ 48.54% > 0.5%) |
| Asset Turnover: 1.88% > 50% (prev 1.34%; Δ 0.54% > 0%) |
| Interest Coverage Ratio: -1.11 > 6 (EBIT TTM -127.0m / Interest Expense TTM 114.0m) |
| A: -0.44 (Total Current Assets 92.3b - Total Current Liabilities 251b) / Total Assets 358b |
| B: 0.02 (Retained Earnings 8.34b / Total Assets 358b) |
| C: -0.00 (EBIT TTM -127.0m / Avg Total Assets 356b) |
| D: 0.02 (Book Value of Equity 8.48b / Total Liabilities 349b) |
| Altman-Z'' = -2.81 = D |
| DSRI: 0.63 (Receivables 18.4b/20.8b, Revenue 6.71b/4.75b) |
| GMI: 0.46 (GM 40.93% / 89.47%) |
| AQI: 0.93 (AQ_t 0.74 / AQ_t-1 0.80) |
| SGI: 1.41 (Revenue 6.71b / 4.75b) |
| TATA: -0.01 (NI 897.0m - CFO 5.93b) / TA 358b) |
| Beneish M = -3.57 (Cap -4..+1) = AAA |
As of November 13, 2026, the stock is trading at USD 139.44 with a total of 425,096 shares traded. Over the past week, the price has changed by +1.52%, over one month by +6.22%, over three months by +8.66% and over the past year by +53.86%.
Current recommended Stop Loss: 131.20 (which is 5.9% or 1.6 ATR below the current price).
Jackson Financial has received a consensus analysts rating of 3.75. Therefore, it is recommended to hold JXN.
- StrongBuy: 1
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 148.3 | 6.3% |
P/E Trailing = 11.2767
P/S = 1.3953
P/B = 1.0103
Revenue TTM = 6.71b USD
EBIT TTM = -127.0m USD
EBITDA TTM = -127.0m USD
Long Term Debt = 2.03b USD (from longTermDebt, last fiscal year)
Short Term Debt = 649.0m USD (from shortTermDebt, two quarters ago)
Debt = 2.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -59.4b USD (calculated: Debt 2.77b - CCE 62.2b)
Enterprise Value = 9.30b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = -1.11 (Ebit TTM -127.0m / Interest Expense TTM 114.0m)
EV/FCF = 1.57x (Enterprise Value 9.30b / FCF TTM 5.93b)
FCF Yield = 63.77% (FCF TTM 5.93b / Enterprise Value 9.30b)
FCF Margin = 88.46% (FCF TTM 5.93b / Revenue TTM 6.71b)
Net Margin = 13.38% (Net Income TTM 897.0m / Revenue TTM 6.71b)
Gross Margin = 89.47% ((Revenue TTM 6.71b - Cost of Revenue TTM 706.0m) / Revenue TTM)
Gross Margin QoQ = 62.39% (prev -43.45%)
Tobins Q-Ratio = 0.03 (Enterprise Value 9.30b / Total Assets 358b)
Interest Expense / Debt = 4.12% (Interest Expense 114.0m / Debt 2.77b)
Taxrate = 13.0% (130.0m / 1.00b)
NOPAT = -110.5m (EBIT -127.0m * (1 - 13.00%)) [loss with tax shield]
Current Ratio = 0.37 (Total Current Assets 92.3b / Total Current Liabilities 251b)
Debt / Equity = 0.33 (Debt 2.77b / totalStockholderEquity, last quarter 8.48b)
Debt / EBITDA = 467.9 (negative EBITDA) (Net Debt -59.4b / EBITDA -127.0m)
Debt / FCF = -10.02 (Net Debt -59.4b / FCF TTM 5.93b)
Total Stockholder Equity = 9.47b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.25% (Net Income 897.0m / Total Assets 358b)
RoE = 9.47% (Net Income TTM 897.0m / Total Stockholder Equity 9.47b)
RoCE = -1.10% (EBIT -127.0m / Capital Employed (Equity 9.47b + L.T.Debt 2.03b))
RoIC = -0.10% (negative operating profit) (NOPAT -110.5m / Invested Capital 107b)
WACC = 8.04% (E(9.30b)/V(12.1b) * Re(9.37%) + D(2.77b)/V(12.1b) * Rd(4.12%) * (1-Tc(0.13)))
Discount Rate = 9.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.20 | Cagr: -5.13%
[DCF] Terminal Value 76.05% ; FCFF base≈5.82b ; Y1≈6.08b ; Y5≈6.96b
[DCF] Fair Price = 2.46k (EV 107b - Net Debt -59.4b = Equity 167b / Shares 67.7m; r=8.35% [WACC [floored]]; 5y FCF grow 4.77% → 2.50% )
EPS Correlation: 77.65 | EPS CAGR: 24.01% | SUE: 0.16 | # QB: 0
Revenue Correlation: 80.01 | Revenue CAGR: 31.41% | SUE: -0.28 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=27.41 | Chg30d=+1.98% | Revisions=+25% | GrowthEPS=+20.9% | GrowthRev=+19.9%
EPS next Year (2027-12-31): EPS=31.75 | Chg30d=+3.06% | Revisions=+25% | GrowthEPS=+15.9% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: +40% (up=2, down=0)