Stock Analysis
Jackson Financial Inc.JXN
P/E 85.86×· not meaningful — TTM earnings temporarily depressed
Sector: Financial Services · Industry: Life Insurance
AnalystsBuy8 analystsPrice is 80% of the way from the year's low to its high.
Cash covers 281% of debt · FY 2025.
PMP Verdict
Weak fundamentals
Risks
- Profitability21
- Growth25
Weak fundamentals — valuation is the only support.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
What's happening with JXN
Profile
profitability, growth, financial health, earnings quality and moat lag behind.
How is each axis scored?
- Valuation55/100 · Moderate
- P/E vs own history (86th pct)0/25
- FCF yield (n/a)10/25
- P/S (1.4x)25/25
- EV/EBIT (12.1x)20/25
- Growth25/100 · Weak
- Revenue CAGR (-6.8%)0/25
- Net income CAGR (-69.7%)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (1855.0%)25/25
- Profitability21/100 · Weak
- ROIC (5.4%)5/25
- ROE (1.0%)5/25
- Net margin (1.6%)6/25
- Operating margin (6.6%)5/25
- Financial Health28/100 · Weak
- Altman Z (0.07)3/25
- Current ratio (n/a)0/25
- Interest coverage (-1.3x)0/25
- Net cash / debt (Net cash)25/25
- Quality34/100 · Weak
- Piotroski F (7/9)22/25
- Beneish M (-1.93)12/25
- FCF conversion (n/a)0/25
- Margin stability (σ 68.1%)0/25
- Moat37/100 · Weak
- ROIC >12% years (1/5 yrs)0/25
- Median gross margin (58.1%)25/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 0.4%)12/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Interest coverage -1.3× — thin debt cushion
- ⚠Revenue shrinking 6.8%/yr
About Jackson Financial Inc.
Jackson Financial Inc helps Americans grow and protect their retirement savings and income to enable them to pursue financial freedom for life. Show more
Its retail product offerings are comprised of annuities, designed to help retail investors save for and live in retirement. Its diverse suite of annuities includes a variable, fixed index, and fixed annuities. The company manages its business through three segments: Retail Annuities, Institutional Products, and Closed Life and Annuity Blocks and Corporate and Other segments. The company generates the majority of its revenue from the Retail Annuities segment, which offers a variety of retirement income and savings products of variable annuities, registered index-linked annuities ("RILA"), fixed index annuities, fixed annuities, and payout annuities.
Headquarters: LANSING, MI · Employees: 3,890 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
55CP/E (TTM)86xC
Grade C: DistortedTTM earnings are temporarily depressed — this multiple overstates expensiveness. Forward P/E is a better guide — vs own 5Y history: 0.4x–283.6x · 86th pct
P/FCF1.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield66.0%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.37xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.1x–3.0x · 58th pct
EV/EBIT12.1xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: -0.1x–25.7x · 86th pct
EV/Sales0.9xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E4.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.89xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio11.94D
Grade D: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.12%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio18.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
21EROIC5.4%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE1.0%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.0%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin1.6%D
Grade D: LowNet Income / Revenue
Operating Margin6.6%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin55.8%A
Grade A: PremiumGross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR-6.8%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-69.7%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth1855.0%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-28.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income130.1%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue2.1%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
28EAltman Z-Score0.07D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage-1.3xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.20xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt2.81xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
34DPiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-1.93C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability68.1%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.02xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Noles Russell G Filed | Noles Russell G | Grant / award | +156 | |
Kirkland Derek G Filed | Kirkland Derek G | Grant / award | +103 | |
Claffee Lily Fu Filed | Claffee Lily Fu | Grant / award | +329 | |
Raub Christopher Filed | Raub Christopher | Grant / award | +2 | |
Raub Christopher Filed | Raub Christopher | Grant / award | +53 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Raub Christopher Filed | Raub Christopher | Grant / award | +19 | |
Raub Christopher Filed | Raub Christopher | Grant / award | +25 | |
Raub Christopher Filed | Raub Christopher | Grant / award | +18 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
37DROIC >12% Years1/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)58.1%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor0.4%C
Grade C: ModerateWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$1.52
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$34.48
Cash & short-term investments per share (Finnhub)
Book Value / Share$146.10
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.03B
Total debt obligations (short + long term)
Cash & Equiv.$5.70B
Cash and short-term investments
Net Debt$-3.67BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$9.95B
Shareholders' equity (book value)
Asset / Liability1.03xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$8.84B
Current Market Capitalization
Beta1.41C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Jackson Financial Inc. (JXN)
JXN is down 0.74% at the last close. Jackson Financial Inc. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 0.07 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Revenue has been contracting (CAGR ≈ -7%), which weighs on the growth outlook.
- Interest coverage of -1.3× leaves little room for earnings shocks.
- The stock currently yields 3.1% in dividends.
See how JXN ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for JXN in the last 30 days.
See JXN move history →Frequently Asked Questions about JXN
What is the current Jackson Financial Inc. (JXN) stock price?
JXN is trading at $130.58 at the last market close, down 0.74% on the session. PreMarketPrice tracks JXN pre-market, intraday and after-hours prices.
Is JXN stock a buy right now?
PreMarketPrice's quantitative model rates Jackson Financial Inc.'s financial health at 28/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is JXN stock overvalued?
Jackson Financial Inc. trades at a trailing P/E of 85.9 and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Jackson Financial Inc. report earnings?
No confirmed earnings date is currently scheduled for JXN. The Earnings section lists recent reports and updates as dates are announced.
What sector does Jackson Financial Inc. operate in?
Jackson Financial Inc. operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Jackson Financial Inc. do?
Jackson Financial Inc helps Americans grow and protect their retirement savings and income to enable them to pursue financial freedom for life.
About Jackson Financial Inc. (JXN) Stock
Jackson Financial Inc. (JXN) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. As of the latest update, Jackson Financial Inc. is trading at $130.58, down 0.74% on the day with a market capitalization of $8.8 billion. The financial health score for JXN is 28/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for JXN stock.
JXN Stock Analysis & Key Metrics
On PreMarketPrice, you can track Jackson Financial Inc. (JXN) across multiple dimensions:
- Pre-market price & movement: Real-time JXN stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for JXN with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Jackson Financial Inc. across multiple reporting periods.
- Financial health score: A composite score of 28/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for JXN.
- Sector peers: Compare JXN against 6 other financial services stocks on key financial metrics.
Is JXN a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Jackson Financial Inc. (JXN) as an investment. The financial health score of 28/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Jackson Financial Inc. (JXN) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.