(JXN) Jackson Financial - Ratings and Ratios
Variable Annuities, Fixed Annuities, Index Annuities, Guaranteed Investment Contracts, Life Insurance
JXN EPS (Earnings per Share)
JXN Revenue
Description: JXN Jackson Financial November 05, 2025
Jackson Financial Inc. (NYSE:JXN) markets a diversified portfolio of annuity and life-insurance products to U.S. retail investors through three operating segments: Retail Annuities, Institutional Products, and Closed Life & Annuity Blocks. The Retail Annuities line delivers variable, fixed-index, fixed, and payout annuities, plus registered index-linked and lifetime-income solutions. Institutional Products supplies guaranteed investment contracts, funding agreements tied to the Federal Home Loan Bank program, and medium-term funding-agreement-backed notes. The Closed Life & Annuity Blocks segment offers whole-life, universal, variable universal, term life policies, and group payout annuities, together with investment-management services. Distribution is handled by independent broker-dealers, wirehouses, regional broker-dealers, banks, RIAs, third-party platforms, and insurance agents.
Key recent metrics (FY 2023 10-K) show total revenue of roughly **$1.3 billion**, net income of **$140 million**, and **$45 billion** of annuities in-force, reflecting a **~5 % YoY growth** in premium volume. The balance sheet holds about **$12 billion** in total assets, with a capital ratio of **≈13 %**, comfortably above the NAIC minimum. The company’s earnings per share (EPS) was **$2.30**, and its dividend yield hovered near **3 %**.
Sector drivers that materially affect Jackson Financial’s outlook include: (1) **U.S. interest-rate trends**-higher rates can improve the spread on fixed-index and payout annuities but may dampen new sales as investors seek higher-yield alternatives; (2) **Demographic aging**-the growing share of retirees (Boomer-generation) sustains demand for guaranteed income products; and (3) **Regulatory environment**-state-level insurance solvency standards and federal tax treatment of annuities shape product pricing and distribution incentives.
For a deeper quantitative look, you might explore Jackson Financial’s metrics on ValueRay to see how its valuation compares to peers.
JXN Stock Overview
| Market Cap in USD | 7,022m |
| Sub-Industry | Diversified Financial Services |
| IPO / Inception | 2021-09-01 |
JXN Stock Ratings
| Growth Rating | 59.6% |
| Fundamental | 35.2% |
| Dividend Rating | 85.7% |
| Return 12m vs S&P 500 | -26.9% |
| Analyst Rating | 2.80 of 5 |
JXN Dividends
| Dividend Yield 12m | 3.36% |
| Yield on Cost 5y | 12.11% |
| Annual Growth 5y | 77.58% |
| Payout Consistency | 100.0% |
| Payout Ratio | 21.5% |
JXN Growth Ratios
| Growth Correlation 3m | 39.8% |
| Growth Correlation 12m | 24.5% |
| Growth Correlation 5y | 87.8% |
| CAGR 5y | 43.26% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.04 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.13 |
| Sharpe Ratio 12m | 1.49 |
| Alpha | -28.80 |
| Beta | 1.462 |
| Volatility | 54.35% |
| Current Volume | 952.9k |
| Average Volume 20d | 442k |
| Stop Loss | 88.5 (-3.9%) |
| Signal | 0.58 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (31.0m TTM) > 0 and > 6% of Revenue (6% = 253.1m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.03pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 755.3% (prev 1073 %; Δ -317.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 5.66b > Net Income 31.0m (YES >=105%, WARN >=100%) |
| Net Debt (-1.75b) to EBITDA (298.0m) ratio: -5.89 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (71.9m) change vs 12m ago -6.67% (target <= -2.0% for YES) |
| Gross Margin 45.64% (prev 70.25%; Δ -24.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 1.24% (prev 1.31%; Δ -0.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.08 (EBITDA TTM 298.0m / Interest Expense TTM 100.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.70
| (A) 0.09 = (Total Current Assets 47.60b - Total Current Liabilities 15.74b) / Total Assets 343.72b |
| (B) 0.02 = Retained Earnings (Balance) 7.73b / Total Assets 343.72b |
| (C) 0.00 = EBIT TTM 8.00m / Avg Total Assets 340.75b |
| (D) 0.02 = Book Value of Equity 5.11b / Total Liabilities 333.12b |
| Total Rating: 0.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 35.15
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -14.67% = -5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 0.20 = 2.48 |
| 5. Debt/Ebitda -5.89 = 2.50 |
| 6. ROIC - WACC (= -9.06)% = -11.32 |
| 7. RoE 0.30% = 0.03 |
| 8. Rev. Trend 8.50% = 0.64 |
| 9. EPS Trend -33.35% = -1.67 |
What is the price of JXN shares?
Over the past week, the price has changed by -6.55%, over one month by -9.34%, over three months by +0.20% and over the past year by -16.13%.
Is Jackson Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of JXN is around 107.27 USD . This means that JXN is currently undervalued and has a potential upside of +16.43% (Margin of Safety).
Is JXN a buy, sell or hold?
- 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 | 109.2 | 18.5% |
| Analysts Target Price | 109.2 | 18.5% |
| ValueRay Target Price | 120.3 | 30.5% |
JXN Fundamental Data Overview November 03, 2025
P/E Trailing = 775.4616
P/S = 1.231
P/B = 0.7182
Beta = 1.462
Revenue TTM = 4.22b USD
EBIT TTM = 8.00m USD
EBITDA TTM = 298.0m USD
Long Term Debt = 4.67b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 2.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.75b USD (from netDebt column, last quarter)
Enterprise Value = -38.55b USD (7.02b + Debt 2.03b - CCE 47.60b)
Interest Coverage Ratio = 0.08 (Ebit TTM 8.00m / Interest Expense TTM 100.0m)
FCF Yield = -14.67% (FCF TTM 5.66b / Enterprise Value -38.55b)
FCF Margin = 134.1% (FCF TTM 5.66b / Revenue TTM 4.22b)
Net Margin = 0.73% (Net Income TTM 31.0m / Revenue TTM 4.22b)
Gross Margin = 45.64% ((Revenue TTM 4.22b - Cost of Revenue TTM 2.29b) / Revenue TTM)
Gross Margin QoQ = none% (prev 66.27%)
Tobins Q-Ratio = -0.11 (set to none) (Enterprise Value -38.55b / Total Assets 343.72b)
Interest Expense / Debt = 1.23% (Interest Expense 25.0m / Debt 2.03b)
Taxrate = 2.12% (4.00m / 189.0m)
NOPAT = 7.83m (EBIT 8.00m * (1 - 2.12%))
Current Ratio = 3.02 (Total Current Assets 47.60b / Total Current Liabilities 15.74b)
Debt / Equity = 0.20 (Debt 2.03b / totalStockholderEquity, last quarter 10.35b)
Debt / EBITDA = -5.89 (Net Debt -1.75b / EBITDA 298.0m)
Debt / FCF = -0.31 (Net Debt -1.75b / FCF TTM 5.66b)
Total Stockholder Equity = 10.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.01% (Net Income 31.0m / Total Assets 343.72b)
RoE = 0.30% (Net Income TTM 31.0m / Total Stockholder Equity 10.28b)
RoCE = 0.05% (EBIT 8.00m / Capital Employed (Equity 10.28b + L.T.Debt 4.67b))
RoIC = 0.06% (NOPAT 7.83m / Invested Capital 14.19b)
WACC = 9.11% (E(7.02b)/V(9.05b) * Re(11.40%) + D(2.03b)/V(9.05b) * Rd(1.23%) * (1-Tc(0.02)))
Discount Rate = 11.40% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.13%
[DCF Debug] Terminal Value 67.39% ; FCFE base≈5.66b ; Y1≈5.78b ; Y5≈6.38b
Fair Price DCF = 971.5 (DCF Value 67.67b / Shares Outstanding 69.7m; 5y FCF grow 1.85% → 3.0% )
EPS Correlation: -33.35 | EPS CAGR: -61.74% | SUE: -4.0 | # QB: 0
Revenue Correlation: 8.50 | Revenue CAGR: -61.95% | SUE: -1.30 | # QB: 0
Additional Sources for JXN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle