Jackson Financial Inc (JXN) fair value: what the stock is really worth
As of Oct 14, 2026: fair value of Jackson Financial Inc $22.16, price $130, upside -83.0%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 12, 2026.
How to read this chart
60‑month range $19.60 – $140.63 · fair‑value band $11.94 – $31.32 · the $130.03 price screens above the $22.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 12, 2026.
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Jackson Financial Inc., through its subsidiaries, provides suite of annuities to retail investors in the United States. It operates through three segments: Retail Annuities, Institutional Products, and Closed Life and Annuity Blocks.
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The Retail Annuities segment offers various retirement income and savings products, including variable, fixed index, fixed, and payout annuities, as well as registered index-linked annuities and lifetime income solutions.
The Institutional Products segment provides traditional guaranteed investment contracts; funding agreements backed by commercial paper; funding agreements comprising agreements issued in conjunction with its participation in the U.S. federal home loan bank program; and medium-term funding agreement-backed notes.
The Closed Life and Annuity Blocks segment offers various protection products, such as whole life, universal life, variable universal life, and term life insurance products, as well as fixed, fixed index, and payout annuities. The company also provides investment management services.
It sells its products through a distribution network that includes independent broker-dealers, wirehouses, regional broker-dealers, banks, independent registered investment advisors, third-party platforms, and insurance agents.
The company was formerly known as Brooke (Holdco1) Inc. and changed its name to Jackson Financial Inc. in July 2020. Jackson Financial Inc. was incorporated in 2006 and is headquartered in Lansing, Michigan.
Stock analysis
Jackson Financial Inc (JXN) currently trades at $130.03, while our model-based Fair Value estimate is $22.16, 83.0% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $98.46 per share, and 0 of the 6 models we run sit above the $130.03 price.
Bear case: the Multiples group reads lowest at $5.18, and 6 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: $11.94 (bear) to $31.32 (bull), the price of $130.03 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Jackson Financial Inc reported revenue of $6.7B in FY2025 versus $5.5B in FY2021, a compound +5.0%/yr. Reported net income was $27.0M in FY2025, compounding −70.2%/yr from FY2021.
Key figures
Market cap $9.1B · P/E ratio 142.9 · P/S ratio 0.58 · EPS (TTM) $0.9100 · Dividend yield 2.6% · Net margin 0.4% · Return on equity 1.4% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 26 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −83%, JXN screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($5.18 to $98.46). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear$11.94Fair Value $22.16Bull$31.32
Price $130.03 · Upside -83.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+116.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−11.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.6%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−57.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−60.2%
Dividend (yield on the price)2.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−60.2% vs −26.6%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−54% → −2%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 6.3%/yr over ~7Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The life insurer shows strength in annuity spread and fee income yet its main weakness remains average or below-average moat factors together with persistently low reported ROE and margins.
Main risk: Execution difficulties in the complex annuity hedging and reinsurance setup would impair the sustainability of earnings power and capital returns.
Jackson Financial just completed a CEO transition at the start of October in a business built on complex annuity hedging and capital returns. Record second-quarter results showed strong spread and fee income, yet our models currently see the shares as overvalued. Will the new leadership sustain that earnings power or face execution challenges in the reinsurance and hedging setup?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 87 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−83.0% · Bottom 25%
Profitability
Return on equity (12 months)1.4% · Bottom 25%
Return on assets0.0% · Bottom 25%
Net margin (12 months)4.2% · Bottom 25%
Growth and dividend
Revenue growth−22.6% · Bottom 25%
Dividend yield (12 months)2.6% · Below median
Balance sheet
Debt / equity0.20× · Below median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (12 months)142.9× · Priciest 25%
P/B0.92× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months)3.72× · Priciest 25%
Price / free cash flow1.6× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 3
FUTURE (revenue growth)0· sector 44
PAST (return on equity)6· sector 50
HEALTH (low debt)90· sector 87
DIVIDEND (yield)52· sector 60
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Jackson Financial Inc (JXN) overvalued or undervalued?
As of Oct 12, 2026, our model estimates a fair value of $22.16 versus a price of $130.03, about −83% upside (overvalued).
What is the fair value of JXN?
Our model-based fair value for Jackson Financial Inc is $22.16 (as of Oct 12, 2026), built from audited fundamentals. The current price: $130.03.
What is the quality score of JXN?
Jackson Financial Inc has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jackson Financial Inc (JXN)?
Our model-based price target is the fair value of $22.16 (as of Oct 12, 2026) from 6 valuation models. Cautious scenario $11.94, optimistic scenario $31.32. It is a calculation from audited fundamentals, not an analyst target.
What is the Jackson Financial Inc stock forecast for 2026?
Our models put fair value at $22.16, about −83% upside versus a price of $130.03 (overvalued). Cautious scenario $11.94, optimistic scenario $31.32. The calculation is refreshed regularly with new filings.
What is the revenue of Jackson Financial Inc (JXN)?
Jackson Financial Inc reported trailing-twelve-month revenue of about $6.5B (latest available figure, as of Oct 12, 2026).
Does Jackson Financial Inc pay a dividend?
Jackson Financial Inc currently shows a dividend yield of about 2.61% relative to its recent price (as of Oct 12, 2026).
What is the intrinsic value of Jackson Financial Inc (JXN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jackson Financial Inc it is $22.16 per share (as of Oct 12, 2026), against a price of $130.03. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jackson Financial Inc stock overvalued or undervalued in 2026?
As of Oct 12, 2026, JXN trades above its calculated fair value: price $130.03, fair value $22.16, a gap of about −83% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JXN?
No. The price is what the market pays today ($130.03); the fair value is what the company's own numbers justify ($22.16). For Jackson Financial Inc the two are $107.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jackson Financial Inc worth?
The market values Jackson Financial Inc at about $9.1B (market capitalisation, as of Oct 12, 2026). Per share that is $130.03; our models calculate a fair value of $22.16 per share.
What do the bullish and bearish scenarios say about JXN?
Our models span a range for Jackson Financial Inc: cautious scenario $11.94, base $22.16, optimistic $31.32 per share (as of Oct 12, 2026, price $130.03). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JXN?
Jackson Financial Inc trades at a price-to-earnings ratio of 142.9 (as of Oct 12, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.16 is built from several models across several years. Other multiples: P/B 0.9, P/S 3.7.
How solid is the balance sheet of Jackson Financial Inc (JXN)?
Balance-sheet figures for Jackson Financial Inc (as of Oct 12, 2026): return on equity 1.4%, debt of 0.20 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is JXN from its 52-week high?
Jackson Financial Inc trades at $130.03, about 8% below its 52-week high of $140.63 and 47% above the low of $88.37 (as of Oct 14, 2026). Distance from the high says nothing about value: that is what the fair value of $22.16 is for.
Which stocks are comparable to Jackson Financial Inc?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jackson Financial Inc stock attractive at the current price?
The data as of Oct 12, 2026: price $130.03, calculated fair value $22.16 (−83%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of JXN calculated?
We run Jackson Financial Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $22.16, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.7 % above its aggregate fair value. Jackson Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jackson Financial Inc (JXN)?
The closing price on Oct 14, 2026 was $130.03. Our model-based fair value is $22.16, about −83% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jackson Financial Inc right now?
The price sits above even our optimistic bull case ($31.32). The favourable scenario is already priced in. The model range is unusually wide ($11.94 to $31.32). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Jackson Financial Inc
How large is the market capitalisation of Jackson Financial Inc (JXN)?
The market capitalisation of Jackson Financial Inc is $9.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jackson Financial Inc (JXN)?
The price-to-sales ratio of Jackson Financial Inc is 0.58 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jackson Financial Inc (JXN)?
Earnings per share at Jackson Financial Inc are $0.9100 (price ÷ EPS = P/E 142.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jackson Financial Inc (JXN)?
The dividend yield of Jackson Financial Inc is 2.6%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Jackson Financial Inc (JXN)?
The net margin of Jackson Financial Inc is 0.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jackson Financial Inc (JXN)?
The return on equity (ROE) of Jackson Financial Inc is 1.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Jackson Financial Inc (JXN)?
On an EBIT basis the return on assets of Jackson Financial Inc is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Jackson Financial Inc (JXN)?
The operating margin of Jackson Financial Inc is −810% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jackson Financial Inc (JXN)?
Revenue at Jackson Financial Inc is growing −22.6% versus a year earlier (3y avg −11.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Jackson Financial Inc (JXN)?
Earnings per share at Jackson Financial Inc are growing +292% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jackson Financial Inc (JXN) generate?
The free cash flow of Jackson Financial Inc is $5.8B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Jackson Financial Inc (JXN) hold?
Jackson Financial Inc holds more cash than debt, $1.1B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Oct 12, 2026