Jackson Financial Inc. Class A Common Stock (JXN)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Jackson Financial sells annuities and retirement-income products, a business I understand as much as any insurer: you take in premiums, promise future payments, and earn a spread while managing risk. The appeal is a price-to-book of 0.95 at the 2026-10-13 close, a 2.71% dividend yield, and a FairStock PEG of 0.54. But the earnings record is not what I want. In fiscal Q2 2026, the quarter ended 2026-06-30, Jackson reported revenue of $168.0M, net income of $655.0M, and diluted EPS of $9.16. That single quarter dwarfs the full-year figures: in fiscal year 2025, revenue was $6.7B but net income only $27.0M and diluted EPS -$0.24; in fiscal year 2024, net income was $946.0M and diluted EPS $11.74; in fiscal year 2023, net income was $934.0M and diluted EPS $10.76. Then in fiscal Q1 2026, the quarter ended 2026-03-31, there was a net loss of $424.0M and diluted EPS -$6.24, while in fiscal Q2 2025, the quarter ended 2025-06-30, revenue was negative $471.0M. This is lumpy insurance accounting, not a smooth compounding machine. FairStock calculates a P/E of 142.36 at that close, ROE of 1.38%, ROCE of 0.06%, a Piotroski F-Score of 5/9, and a Score of 54/100. The Lynch category is a shrinking slow grower, with profit down 70.2% a year over four years. A discount to book can be a bargain if returns normalize, but at 1.38% ROE I cannot yet call the business strong. I would also want insurer-specific risk measures like CET1, net interest margin, or combined ratio; they are not in the data. At today's price, I see speculative value, not a clear margin of safety.

In plain English: Jackson Financial sells annuities and retirement products to retail investors. Its reported profits swing sharply from quarter to quarter and the long-run profit trend has been weak, even though the stock trades near the value of the company’s net assets. Based on its tiny recent profit, the price looks high; based on net assets and dividend, it looks closer to fair than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer