JXN

Financial Services

Jackson Financial Inc. · Insurance - Life · $7B

UQS Score — Balanced Preset
51.5
Good

Jackson Financial Inc. scores 51.5/100 using the Balanced preset.

UQS vs Financial Services Sector
JXN
51.5
Sector avg
39.7
Quality
Weak
Moat
Weak
Growth
Neutral
Risk
Good
Valuation
Attractive

What is Jackson Financial Inc.?

Jackson Financial Inc. is a mid-cap U.S. financial services company focused on retirement income products, primarily annuities. It serves retail investors seeking guaranteed income solutions and also manages institutional products and legacy life insurance blocks.

Jackson Financial generates revenue by issuing and managing annuity contracts — variable, fixed, fixed index, registered index-linked, and immediate payout — primarily to retail investors planning for retirement. Its Institutional Products segment provides guaranteed investment contracts and funding agreements. A legacy Closed Life and Annuity Blocks segment manages older life insurance and annuity policies. The company distributes through broker-dealers, banks, wirehouses, independent advisors, and insurance agents, and also offers investment management services.

Jackson Financial was established in its current form in 2021 and is headquartered in Lansing, Michigan.

  • Variable and fixed index annuities for retail retirement income
  • Registered index-linked annuities (RILAs)
  • Lifetime income and immediate payout solutions
  • Institutional guaranteed investment contracts and funding agreements
  • Investment management services

Is JXN a Good Stock to Buy?

UQS Score rates JXN as Below Average overall, reflecting meaningful challenges across several quality dimensions.

The most notable bright spot in JXN's profile is its Valuation pillar, which is rated Attractive — suggesting the market may already be pricing in many of the company's headwinds. The Growth pillar lands at Neutral, indicating the business is neither contracting sharply nor expanding at a pace that stands out among peers.

Quality, Moat, and Risk are all rated Weak, pointing to concerns around earnings durability, competitive positioning, and balance sheet or liability exposure that are common in the annuity-heavy insurance space.

See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →

Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.

Does JXN pay dividends?

Yes — Jackson Financial Inc. pays a dividend.

Jackson Financial pays a regular dividend, which may appeal to income-oriented investors given the company's annuity-focused business model. Insurers and annuity providers often return capital to shareholders through dividends when their liability management allows. Investors should weigh the dividend against the Weak Risk pillar rating before treating it as a reliable income stream.

When does JXN report earnings?

Jackson Financial reports earnings on a quarterly cadence, consistent with standard practice for U.S.-listed financial services companies.

The company's Growth pillar is rated Neutral, suggesting recent results have been neither a standout positive nor a significant deterioration. Annuity writers can see revenue fluctuate with interest rates and equity market conditions, which adds variability to quarterly outcomes.

For the most recent quarter's results and guidance, visit Jackson Financial's investor relations page directly.

JXN Price History

+436.6% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Jackson Financial Inc.?

$
Today it would be worth
$15,951
That's a +59.5% total return, or +59.5% annualized.

Based on Jackson Financial Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

JXN Long-term Outlook

JXN's fundamental outlook is shaped by a Neutral Growth profile alongside Weak Quality and Risk ratings. The annuity market benefits from an aging U.S. population seeking guaranteed retirement income, which provides a structural demand tailwind. However, the company's Weak Moat suggests limited pricing power, and its Risk profile points to meaningful sensitivity around interest rates and liability management. The Attractive Valuation label indicates the current price may reflect these risks, but a re-rating would likely require improvement in underlying quality metrics.

Growth drivers

  • Aging U.S. population driving demand for retirement income products
  • Expansion of registered index-linked annuity (RILA) offerings
  • Broad distribution network across broker-dealers, banks, and advisors

Key risks

  • Interest rate sensitivity affecting annuity liability valuations
  • Weak competitive moat in a commoditized annuity market
  • Balance sheet and risk management complexity from legacy insurance blocks

JXN vs Peers

Jackson Financial competes in the U.S. retirement and insurance space alongside larger, more diversified financial services firms.

PRSJXN scores lower
Prudential Financial, Inc.

Prudential operates a globally diversified insurance and asset management platform, giving it broader revenue streams than JXN's annuity-focused model.

PRHJXN scores lower
Prudential Financial, Inc.

This Prudential security class reflects the company's scale advantage in capital markets access relative to mid-cap annuity specialists like Jackson.

PRIJXN scores lower
Primerica, Inc.

Primerica focuses on term life insurance and investment products for middle-income households, targeting a different customer segment than Jackson's annuity-centric retail offering.

Frequently Asked Questions

What does Jackson Financial do?

Jackson Financial provides annuity products — variable, fixed, fixed index, and registered index-linked — to retail investors planning for retirement. It also manages institutional investment contracts and a legacy block of life insurance policies, and offers investment management services through a wide distribution network.

Does JXN pay dividends?

Yes, Jackson Financial pays a regular dividend. This is consistent with the company's position as an annuity and insurance provider that generates recurring premium income. Investors should review the current dividend rate and payout sustainability in the context of JXN's Weak Risk pillar rating before relying on it for income.

When does JXN report earnings?

Jackson Financial follows a standard quarterly earnings cadence for U.S.-listed companies. Specific dates are not covered by our data source — check Jackson Financial's investor relations page for the current earnings calendar and most recent results.

Is JXN a good stock to buy?

UQS Score rates JXN as Below Average, driven by Weak ratings across Quality, Moat, and Risk. The Valuation pillar is Attractive, which may interest contrarian or value-oriented investors. Whether that discount is sufficient compensation for the underlying risks depends on your investment criteria. The full pillar breakdown is available to Pro members.

Is JXN overvalued?

Based on the UQS Valuation pillar, JXN is rated Attractive — meaning the stock does not appear overvalued relative to its fundamentals. This is one of the few positive signals in JXN's overall profile, though an attractive price alone does not offset concerns in Quality, Moat, and Risk.

How does JXN compare to its competitors?

Jackson Financial is a mid-cap annuity specialist competing against larger, more diversified insurers like Prudential Financial and niche-focused firms like Primerica. Larger peers typically carry broader product lines, stronger brand recognition, and greater capital market access — areas where JXN's Weak Moat rating reflects a relative disadvantage.

What is JXN's market cap bracket?

Jackson Financial is classified as a mid-cap company. This places it below the mega-cap and large-cap insurers that dominate the U.S. retirement and annuity market, which can affect its distribution leverage, cost of capital, and ability to absorb large liability shocks.

Who founded Jackson Financial?

Jackson Financial Inc. was incorporated in its current form in 2021, evolving from a holding company formerly known as Brooke (Holdco1) Inc. The underlying Jackson National Life Insurance business has deeper roots. For full founding history, Jackson Financial's corporate website and public filings are the most reliable sources.

Is JXN a long-term quality investment?

As a long-term quality indicator, JXN's UQS Score of Below Average raises caution. Weak ratings in Quality, Moat, and Risk suggest the business lacks the durable competitive advantages and earnings consistency typically associated with strong long-term compounders. The Attractive Valuation may offer a margin of safety, but quality concerns persist.

What is the main competitive advantage of Jackson Financial?

Jackson Financial's primary competitive asset is its established distribution network spanning broker-dealers, banks, wirehouses, and independent advisors — giving it broad retail reach for annuity sales. However, the UQS Moat pillar is rated Weak, indicating this advantage may not be sufficiently durable or differentiated relative to larger competitors.

What sector does JXN belong to?

Jackson Financial operates in the Financial Services sector, specifically within the insurance and retirement income sub-industry. Its business is heavily tied to interest rate dynamics, equity market performance, and regulatory requirements governing annuity products in the United States.

Is JXN a growth stock or value stock?

JXN leans toward the value end of the spectrum. Its Growth pillar is rated Neutral — neither a high-growth story nor in decline — while its Valuation pillar is Attractive, suggesting the market prices it at a discount. It does not exhibit the characteristics typically associated with a high-growth stock.

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Pro Analysis

JXN — Score History

4045505560Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 5 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 15, 202651.525.032.059.768.9100.0+4.9
May 13, 202646.625.032.059.736.4100.0+0.1
May 12, 202646.525.032.059.036.4100.0-0.2
Apr 11, 202646.725.732.059.036.4100.0-0.4
Apr 2, 202647.125.732.061.136.4100.0

JXN — Pillar Breakdown

Quality

25.0/100 (25%)

Jackson Financial Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

Return on EquityWeak

Profitability relative to shareholders' equity.

Operating ProfitabilityWeak

Ability to convert revenue into operating profit.

Net ProfitabilityWeak

Bottom-line profit as a share of revenue.

Cash GenerationStrong

Free cash flow relative to market value.

Growth

59.7/100 (20%)

Jackson Financial Inc. demonstrates healthy growth trends across revenue and earnings.

Recent Revenue TrendStrong

Revenue trajectory over the last twelve months.

3Y Revenue CAGRWeak

Compound annual revenue growth rate over 3 years.

EPS GrowthWeak

Year-over-year earnings per share growth.

Forward Revenue OutlookModerate

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

68.9/100 (15%)

Jackson Financial Inc. maintains a reasonable risk profile with manageable debt levels.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioStrong

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

100.0/100 (15%)

Jackson Financial Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

Moat

32/100 (25%)

Jackson Financial Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for JXN.

Score Composition

Quality
25.0×25%6.3
Growth
59.7×20%11.9
Risk
68.9×15%10.3
Valuation
100.0×15%15.0
Moat
32.0×25%8.0
Total
51.5Good

Financial Data

More Stock Analysis

How is the JXN UQS Score Calculated?

The UQS (Unified Quality Score) for Jackson Financial Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Jackson Financial Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Jackson Financial Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.