(JXN) Jackson Financial - Ratings and Ratios
Variable Annuities, Fixed Annuities, Index Annuities, Guaranteed Investment Contracts, Life Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.99% |
| Yield on Cost 5y | 15.24% |
| Yield CAGR 5y | 12.82% |
| Payout Consistency | 100.0% |
| Payout Ratio | 15.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 36.6% |
| Value at Risk 5%th | 57.0% |
| Relative Tail Risk | -5.47% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.05 |
| Alpha | -20.48 |
| CAGR/Max DD | 1.08 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.408 |
| Beta | 1.388 |
| Beta Downside | 1.715 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.52% |
| Mean DD | 14.04% |
| Median DD | 12.91% |
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.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (576.0m TTM) > 0 and > 6% of Revenue (6% = 286.4m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.11pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 736.3% (prev 1312 %; Δ -575.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 5.66b > Net Income 576.0m (YES >=105%, WARN >=100%) |
| Net Debt (86.0m) to EBITDA (999.0m) ratio: 0.09 <= 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 52.89% (prev 4.17%; Δ 48.72pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 1.37% (prev 1.11%; Δ 0.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.08 (EBITDA TTM 999.0m / 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 |
| (C) 0.00 = EBIT TTM 8.00m / Avg Total Assets 349.61b |
| (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) 41.85
| 1. Piotroski 4.50pt |
| 2. FCF Yield -14.35% |
| 3. FCF Margin data missing |
| 4. Debt/Equity 0.45 |
| 5. Debt/Ebitda 0.09 |
| 6. ROIC - WACC (= -6.72)% |
| 7. RoE 5.67% |
| 8. Rev. Trend -9.65% |
| 9. EPS Trend 22.12% |
What is the price of JXN shares?
Over the past week, the price has changed by +6.57%, over one month by -2.01%, over three months by +0.82% and over the past year by +1.18%.
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 | 110.8 | 13.2% |
| Analysts Target Price | 110.8 | 13.2% |
| ValueRay Target Price | 128.5 | 31.4% |
JXN Fundamental Data Overview November 25, 2025
P/E Trailing = 13.1245
P/S = 1.308
P/B = 0.6578
Beta = 1.455
Revenue TTM = 4.77b USD
EBIT TTM = 8.00m USD
EBITDA TTM = 999.0m 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 = -39.46b USD (6.54b + Debt 4.65b - CCE 50.65b)
Interest Coverage Ratio = 0.08 (Ebit TTM 8.00m / Interest Expense TTM 100.0m)
FCF Yield = -14.35% (FCF TTM 5.66b / Enterprise Value -39.46b)
FCF Margin = 118.6% (FCF TTM 5.66b / Revenue TTM 4.77b)
Net Margin = 12.07% (Net Income TTM 576.0m / Revenue TTM 4.77b)
Gross Margin = 52.89% ((Revenue TTM 4.77b - Cost of Revenue TTM 2.25b) / Revenue TTM)
Gross Margin QoQ = 77.76% (prev none%)
Tobins Q-Ratio = -0.11 (set to none) (Enterprise Value -39.46b / 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 = 0.09 (Net Debt 86.0m / EBITDA 999.0m)
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 = 6.79% (E(6.54b)/V(11.18b) * Re(11.13%) + D(4.65b)/V(11.18b) * Rd(0.54%) * (1-Tc(-0.26)))
Discount Rate = 11.13% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.23%
[DCF Debug] Terminal Value 68.04% ; FCFE base≈5.76b ; Y1≈5.82b ; Y5≈6.32b
Fair Price DCF = 1021 (DCF Value 69.40b / Shares Outstanding 68.0m; 5y FCF grow 0.76% → 3.0% )
EPS Correlation: 22.12 | EPS CAGR: -5.05% | SUE: 0.78 | # QB: 0
Revenue Correlation: -9.65 | Revenue CAGR: -5.79% | SUE: -0.30 | # QB: 0
Additional Sources for JXN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle