Also trades as: JXNFL (OTC) · $vol 18M · JXN-PA (NYSE) · $vol 1M

$135.06

+2.42 (+1.82%)

Weekly Expected Move ±3.4%

$121 $126 $130 $135 $139

NYSE · Financial Services · Insurance - Life · Tech Score Buy · Power 61 · $9.1B mcap · 62M float · 1.16% daily turnover · Short 70% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $72.1M held by 216 funds, 169 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

61.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 0.0%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. JXN has a Narrow competitive edge (61.0/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. Negative ROIC of 0.0% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$135

Low

$146

Avg Target

$151

High

Based on 4 analysts since Aug 3, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$146.25

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-08	Barclays	Alex Scott	$150	$151	+1	+15.9%	$130.30
2026-10-07	Barclays	—	$149	$150	+1	+12.9%	$132.91
2026-08-05	Evercore ISI	—	$118	$135	+17	-1.5%	$137.03
2026-08-04	Barclays	—	$139	$149	+10	+18.1%	$126.17
2026-07-10	Jefferies	Suneet Kamath	$80	$140	+60	+26.4%	$110.79
2026-07-07	Barclays	Alex Scott	$137	$139	+2	+27.1%	$109.36
2026-01-08	Barclays	—	$128	$137	+9	+19.1%	$115.00
2026-01-06	Evercore ISI	—	$110	$118	+8	+7.6%	$109.71
2025-12-15	Morgan Stanley	—	$106	$105	-1	-1.7%	$106.80
2025-11-05	Barclays	Alex Scott	$125	$128	+3	+27.3%	$100.55
2025-10-09	Evercore ISI	—	Initiated	$110	—	+9.0%	$100.89
2025-10-08	Barclays	—	$109	$125	+16	+24.2%	$100.62
2025-10-07	Morgan Stanley	—	$91	$106	+15	+5.4%	$100.55
2025-05-19	Morgan Stanley	Bob Huang	$89	$91	+2	+6.7%	$85.30
2024-09-04	Barclays	Alex Scott	Initiated	$109	—	+29.1%	$84.45
2024-08-19	Morgan Stanley	Bob Huang	Initiated	$89	—	+0.1%	$88.92
2024-07-29	Jefferies	Suneet Kamath	Initiated	$80	—	-9.3%	$88.22

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. JXN receives an overall rating of B-. Strongest factors: DCF (4/5), P/B (4/5). Areas of concern: ROE (1/5), ROA (1/5), P/E (1/5).

Rating Change History

Date	From	To
2026-10-19	B	B-
2026-10-12	B+	B
2026-10-01	B	B+
2026-08-06	C	B
2026-08-04	B-	C
2026-08-03	C+	B-
2026-07-27	B-	C+
2026-07-01	C+	B-
2026-05-14	B-	C+
2026-05-06	C	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 64 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. JXN scores highest in Momentum (96/100) and lowest in Safety (15/100). An overall grade of A+ places JXN among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-I Score

1.14

Distress Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗ ✓

Beneish M-Score

—

Ohlson O-Score

-6.40

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

B+

Score: 30.9/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 57.14x

Accruals: -1.6%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. JXN scores 1.14, placing it in the Distress Zone (safe > 3.0, distress < 1.5). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. JXN scores 7/9, signaling strong financial health across all three dimensions. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. JXN's implied 0.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. JXN receives an estimated rating of B+ (score: 30.9/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). JXN's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

168.83x

PEG

0.02x

P/S

1.40x

P/B

0.95x

P/FCF

1.22x

P/OCF

1.22x

EV/EBITDA

-120.27x

EV/Revenue

-7.40x

EV/EBIT

-595.40x

EV/FCF

-8.20x

Earnings Yield

1.43%

FCF Yield

81.77%

Shareholder Yield

14.46%

Graham Number

$68.36

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 168.8x earnings, JXN is priced for high growth expectations. Graham's intrinsic value formula yields $68.36 per share, 98% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

-4.905

NI / EBT

Interest Burden

-0.259

EBT / EBIT

EBIT Margin

0.012

EBIT / Rev

Asset Turnover

0.018

Rev / Assets

Equity Multiplier

34.987

Assets / Equity

ROE

1.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. JXN's ROE of 1.0% is driven by financial leverage (equity multiplier: 34.99x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of -4.90 suggests the company retains less than 60% of pre-tax earnings after taxes.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$56.41

Price/Value

1.81x

Margin of Safety

-81.50%

Premium

81.50%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with JXN's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. JXN trades at a 81% premium to its adjusted intrinsic value of $56.41, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 168.8x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1294 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$135.14

Median 1Y

$171.03

5th Pctile

$83.74

95th Pctile

$348.30

Ann. Volatility

43.2%

Analyst Target

$146.25

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Laura L. Prieskorn Chief Executive Officer, President and Director	$1,142,308	$7,222,172	$11,478,687
Craig D. Smith President and CEO, PPM America, Inc.	$573,846	$2,343,508	$5,689,448
Scott E. Romine Former President and CEO, Jackson National Life Distributors LLC	$436,563	$1,865,216	$5,519,879
Don W. Cummings Executive Vice President and Chief Financial Officer	$648,462	$2,008,745	$4,294,083
Chris A. Raub Executive Vice President, JFI and President, Jackson National Life Insurance Company	$572,116	$2,012,227	$3,955,465
Carrie L. Chelko Executive Vice President and General Counsel	$586,923	$1,458,689	$3,251,558

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

3,890

-2.0% YoY

Revenue / Employee

$1,717,995

Rev: $6,683,000,000

Profit / Employee

$6,941

NI: $27,000,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	2.0%	7.6%	31.2%	65.3%	82.4%	69.6%	32.2%	9.8%	19.3%	9.9%	34.3%	24.4%	-9.5%	9.5%	1.2%	0.3%	5.5%	0.3%	-3.8%	1.0%	1.01%
ROA	0.1%	0.2%	0.8%	2.0%	2.4%	1.9%	0.9%	0.3%	0.6%	0.3%	1.0%	0.7%	-0.3%	0.3%	0.0%	0.0%	0.2%	0.0%	-0.1%	0.0%	0.03%
ROIC	-0.6%	-2.3%	-8.5%	-17.6%	-23.9%	-19.7%	-9.1%	-2.8%	-6.5%	-3.3%	-11.5%	-8.3%	3.4%	-3.3%	-0.5%	0.1%	-1.7%	0.2%	1.0%	0.0%	0.04%
ROCE	0.1%	0.3%	1.0%	2.5%	3.3%	2.7%	1.2%	0.4%	0.7%	0.3%	1.2%	0.9%	-0.3%	0.3%	0.1%	0.0%	0.2%	-0.0%	-0.1%	0.0%	0.02%
Gross Margin	37.7%	67.4%	1.3%	65.8%	96.4%	1.4%	2.3%	4.3%	1.5%	-1.7%	-3.5%	53.1%	-9.1%	4.4%	8.5%	-1.1%	27.6%	2.1%	22.1%	1.0%	1.00%
Operating Margin	16.1%	44.3%	1.2%	61.7%	84.9%	1.8%	2.7%	3.4%	1.4%	-2.2%	-2.5%	26.5%	-27.7%	2.4%	-0.5%	-39.1%	5.3%	-17.1%	-13.8%	4.0%	3.96%
Net Margin	13.2%	34.7%	99.3%	48.7%	63.2%	1.3%	2.0%	2.8%	1.1%	-1.7%	-2.2%	22.9%	-22.4%	2.2%	-0.6%	-37.1%	5.6%	-9.7%	-14.6%	3.9%	3.90%
EBITDA Margin	16.7%	45.6%	1.2%	62.2%	85.9%	1.7%	2.7%	3.5%	1.4%	-2.1%	-2.6%	28.7%	-26.5%	2.6%	0.2%	-44.3%	7.2%	-15.9%	-12.9%	6.0%	6.02%
FCF Margin	88.6%	1.1%	80.3%	46.1%	37.6%	45.9%	69.6%	2.7%	3.4%	1.7%	1.5%	1.3%	1.5%	1.9%	83.1%	1.0%	1.2%	86.2%	88.9%	90.4%	90.36%
OCF Margin	88.6%	1.1%	80.3%	46.1%	37.6%	45.9%	69.6%	2.7%	3.4%	1.7%	1.5%	1.3%	1.5%	1.9%	83.1%	1.0%	1.2%	86.2%	88.9%	90.4%	90.36%
ROE 3Y Avg	snapshot only																				7.99%
ROE 5Y Avg	snapshot only																				19.92%
ROA 3Y Avg	snapshot only																				0.24%
ROIC Economic	snapshot only																				-0.13%
Cash ROA	snapshot only																				1.60%
NOPAT Margin	snapshot only																				-0.25%
Pretax Margin	snapshot only																				-0.32%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				19.65%
SBC / Revenue	snapshot only																				3.59%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	9.63	4.09	1.11	0.32	0.26	0.38	0.93	2.64	1.63	4.07	1.52	2.38	-6.88	6.61	47.23	202.73	12.25	277.60	-19.76	69.88	168.825
P/S Ratio	1.27	0.99	0.60	0.17	0.15	0.22	0.33	1.11	1.67	1.20	1.38	1.25	1.72	2.02	0.84	1.14	1.49	1.12	1.26	1.11	1.404
P/B Ratio	0.19	0.31	0.34	0.21	0.23	0.29	0.32	0.27	0.31	0.37	0.48	0.54	0.62	0.64	0.58	0.61	0.69	0.75	0.78	0.72	0.951
P/FCF	1.43	0.91	0.75	0.36	0.41	0.49	0.47	0.41	0.49	0.72	0.93	0.96	1.12	1.08	1.01	1.11	1.25	1.30	1.41	1.22	1.223
P/OCF	1.43	0.91	0.75	0.36	0.41	0.49	0.47	0.41	0.49	0.72	0.93	0.96	1.12	1.08	1.01	1.11	1.25	1.30	1.41	1.22	1.223
EV/EBITDA	-190.66	-45.48	-11.86	-5.63	-4.00	-4.72	-10.09	-33.50	-16.45	-32.76	-8.34	-11.30	28.59	-29.76	-176.35	-501.98	-53.79	3139.12	108.05	-120.27	-120.269
EV/Revenue	-31.92	-14.42	-7.97	-3.62	-2.99	-3.51	-4.55	-17.58	-19.76	-11.11	-9.42	-7.51	-8.95	-10.81	-4.99	-6.67	-8.20	-6.58	-7.32	-7.40	-7.405
EV/EBIT	-193.61	-45.77	-11.89	-5.64	-4.01	-4.73	-10.10	-33.57	-16.45	-32.76	-8.34	-11.30	28.59	-29.76	-176.35	-501.98	-53.79	3139.12	108.05	-595.40	-595.405
EV/FCF	-36.01	-13.19	-9.92	-7.87	-7.94	-7.66	-6.54	-6.52	-5.77	-6.64	-6.37	-5.75	-5.82	-5.77	-6.01	-6.48	-6.88	-7.63	-8.24	-8.20	-8.195
Earnings Yield	10.4%	24.5%	90.4%	3.1%	3.8%	2.6%	1.1%	37.9%	61.4%	24.5%	65.7%	42.0%	-14.5%	15.1%	2.1%	0.5%	8.2%	0.4%	-5.1%	1.4%	1.43%
FCF Yield	70.0%	1.1%	1.3%	2.8%	2.4%	2.1%	2.1%	2.4%	2.0%	1.4%	1.1%	1.0%	89.6%	92.6%	99.4%	90.0%	80.2%	76.8%	70.7%	81.8%	81.77%
PEG Ratio	snapshot only																				0.019
EV/OCF	snapshot only																				-8.195
EV/Gross Profit	snapshot only																				-8.534
Shareholder Yield	snapshot only																				14.46%
Graham Number	snapshot only																				$68.36

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	—	—	—	—	—	—	—	3.37	—	—	—	—	—	3.94	—	—	—	0.38	4.78	0.42	0.425
Quick Ratio	—	—	—	—	—	—	—	3.37	—	—	—	—	—	3.94	—	—	—	0.38	4.78	0.42	0.425
Debt/Equity	0.26	0.39	0.28	0.28	0.49	0.51	0.54	0.54	0.49	0.40	0.40	0.40	0.41	0.45	0.42	0.45	0.45	0.20	0.48	0.28	0.278
Net Debt/Equity	-5.06	-4.82	-4.89	-4.82	-4.75	-4.91	-4.74	-4.57	-3.92	-3.84	-3.79	-3.77	-3.83	-4.06	-4.06	-4.15	-4.50	-5.17	-5.29	-5.56	-5.564
Debt/Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.008
Debt/EBITDA	10.19	3.93	0.72	0.34	0.43	0.52	1.23	4.17	2.23	3.74	1.02	1.41	-3.66	3.90	21.34	63.96	6.42	-145.00	-11.51	6.91	6.905
Net Debt/EBITDA	-198.22	-48.61	-12.76	-5.89	-4.21	-5.02	-10.81	-35.62	-17.85	-36.29	-9.56	-13.19	34.07	-35.33	-205.90	-588.07	-63.54	3674.50	126.62	-138.22	-138.217
Interest Coverage	40.95	42.15	82.56	114.50	111.17	74.66	27.78	7.91	13.03	6.95	29.42	21.35	-10.83	11.12	2.01	0.73	7.24	-0.14	-3.97	0.79	0.794
Equity Multiplier	35.52	36.13	36.83	33.07	33.76	36.43	37.22	37.79	33.19	32.47	33.46	33.50	32.31	34.66	31.76	33.20	34.56	34.62	35.76	36.85	36.847
Cash Ratio	snapshot only																				4.130
Debt Service Coverage	snapshot only																				3.931
Cash to Debt	snapshot only																				21.016
FCF to Debt	snapshot only																				2.125
Defensive Interval	snapshot only																				4977.4 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.00	0.01	0.02	0.04	0.04	0.03	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.01	0.02	0.02	0.02	0.018
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	0.05	0.10	0.17	0.38	0.42	0.37	0.28	0.07	0.06	0.12	0.13	0.17	0.16	0.13	0.31	0.25	0.22	0.32	0.29	0.33	0.334
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.13	—	—	—
DSO (trade)	7872	3718	2166	950	868	1000	1321	5083	6014	3140	2709	2149	2353	2805	1166	1474	1664	1136	1252	1092	1091.7 days
DIO	0	0	0	0	0	0	0	—	—	0	—	0	0	0	0	0	0	0	—	0	0.0 days
DPO	0	0	0	0	0	0	0	—	—	0	—	0	0	0	0	0	0	2812	—	0	—
Cash Conversion Cycle (trade)	7872	3718	2166	950	868	1000	1321	—	—	3140	—	2149	2353	2805	1166	1474	1664	-1676	—	1092	—
Cash Velocity	snapshot only																				0.112
Capital Intensity	snapshot only																				56.359

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	—	—	—	—	7.7%	2.5%	53.6%	-82.6%	-87.2%	-72.0%	-57.4%	1.1%	1.2%	-2.6%	1.0%	26.5%	23.7%	1.2%	-18.3%	18.6%	18.61%
Net Income	—	—	—	—	37.5%	7.4%	-1.7%	-85.8%	-77.5%	-85.9%	9.9%	1.6%	-1.5%	1.3%	-96.1%	-98.6%	1.6%	-97.1%	-3.9%	2.3%	2.32%
EPS	—	—	—	—	40.3%	8.5%	7.0%	-85.0%	-76.1%	-85.2%	15.2%	1.8%	-1.6%	8.8%	-95.8%	-98.5%	1.6%	-97.0%	-4.1%	2.4%	2.40%
FCF	—	—	—	—	2.7%	46.5%	33.0%	1.7%	16.3%	2.0%	-9.6%	-0.6%	-0.7%	9.1%	13.0%	-0.2%	-4.1%	-0.6%	-12.6%	4.0%	4.05%
EBITDA	—	—	—	—	37.7%	7.2%	3.2%	-85.8%	-79.4%	-87.2%	6.6%	1.6%	-1.6%	4.3%	-95.0%	-97.5%	1.6%	-1.0%	-3.0%	4.5%	4.49%
Op. Income	—	—	—	—	38.8%	7.3%	1.2%	-87.3%	-80.4%	-88.5%	7.1%	1.8%	-1.7%	6.7%	-97.4%	-1.0%	1.5%	-1.1%	-5.9%	22.2%	22.22%
OCF Growth	snapshot only																				4.05%
Asset Growth	snapshot only																				6.79%
Equity Growth	snapshot only																				-3.79%
Debt Growth	snapshot only																				-40.69%
Shares Change	snapshot only																				-2.29%
Dividend Growth	snapshot only																				8.18%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	—	—	—	—	—	—	—	—	—	—	—	—	34.9%	-1.7%	9.5%	-23.3%	-29.5%	-16.2%	-11.3%	45.5%	45.46%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	14.9%	-62.7%	-81.7%	-55.0%	-83.1%	—	-48.1%	-48.11%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	6.1%	-65.1%	-82.9%	-58.3%	-84.0%	—	-51.2%	-51.25%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	2.9%	-61.9%	-79.0%	-58.5%	—	—	-28.8%	-28.78%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-35.3%	11.4%	-32.1%	-46.6%	-44.5%	-15.6%	7.6%	35.1%	35.07%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	0.7%	-69.6%	—	-60.4%	—	—	—	—
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	62.0%	17.7%	10.8%	0.3%	3.5%	3.4%	-3.7%	1.1%	1.06%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	62.0%	17.7%	10.8%	0.3%	3.5%	3.4%	-3.7%	1.1%	1.06%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-1.7%	-3.4%	-2.5%	2.8%	5.3%	3.0%	1.8%	3.9%	3.93%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	1.4%	-2.1%	2.5%	2.7%	4.5%	4.8%	3.2%	4.8%	4.81%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	9.3%	6.0%	9.6%	10.3%	12.5%	11.1%	9.2%	11.6%	11.56%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	14.5%	11.1%	8.3%	9.1%	9.3%	7.6%	7.7%	8.4%	8.42%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.00	0.00	0.15	0.55	0.01	0.07	0.00	0.28	0.36	0.22	0.06	0.96	0.962
Earnings Stability	—	—	—	—	—	—	—	—	0.04	0.00	0.60	0.51	0.10	0.06	0.53	0.66	0.14	0.18	0.74	0.65	0.645
Margin Stability	—	—	—	—	—	—	—	—	0.25	0.77	0.51	0.82	0.00	0.81	0.30	0.52	0.00	0.95	0.32	0.53	0.531
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.50	1.00	1.00	0.50	0.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.50	0.00	0.00	0.50	0.00	0.00	0.50	0.500
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.50	0.96	0.50	0.20	0.99	0.50	0.50	0.20	0.50	0.20	0.50	0.500
Earnings Smoothness	—	—	—	—	0.00	0.00	0.98	0.00	0.00	0.00	0.91	0.12	—	0.99	0.00	0.00	—	0.00	—	0.00	0.000
ROE Trend	—	—	—	—	—	—	—	—	-0.26	-0.33	-0.01	-0.15	-0.62	-0.33	-0.32	-0.16	0.01	-0.09	-0.20	-0.10	-0.104
Gross Margin Trend	—	—	—	—	—	—	—	—	1.28	0.10	0.80	0.05	-1.32	-0.04	-0.84	-0.77	-0.56	0.08	0.17	0.26	0.258
FCF Margin Trend	—	—	—	—	—	—	—	—	2.79	0.90	0.73	-0.27	-0.36	0.81	-0.26	-0.97	-1.29	-0.91	-0.27	-0.26	-0.264
Sustainable Growth Rate	2.0%	7.6%	30.6%	64.3%	80.8%	67.6%	30.2%	7.6%	17.0%	7.4%	31.6%	21.7%	—	6.9%	-1.3%	-2.3%	3.0%	-2.4%	—	-1.7%	-1.72%
Internal Growth Rate	0.1%	0.2%	0.8%	2.0%	2.4%	1.9%	0.8%	0.2%	0.5%	0.2%	0.9%	0.6%	—	0.2%	—	—	0.1%	—	—	—	—

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	6.73	4.49	1.47	0.90	0.64	0.79	1.99	6.41	3.33	5.69	1.64	2.48	-6.16	6.12	46.94	182.45	9.83	213.26	-13.97	57.14	57.136
FCF/OCF	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF/Net Income	snapshot only																				57.136
OCF/EBITDA	snapshot only																				14.676
CapEx/Revenue	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
CapEx/Depreciation	snapshot only																				0.000
Accruals Ratio	-0.00	-0.01	-0.00	0.00	0.01	0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.02	-0.01	-0.02	-0.02	-0.01	-0.02	-0.02	-0.02	-0.016
Sloan Accruals	snapshot only																				-0.024
Cash Flow Adequacy	snapshot only																				21.169
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	1.6%	5.1%	7.2%	7.3%	6.8%	8.4%	7.3%	6.2%	5.1%	4.6%	3.8%	4.1%	4.3%	4.2%	3.7%	3.6%	3.7%	3.9%	2.59%
Dividend/Share	$0.00	$0.00	$0.58	$1.14	$1.72	$2.22	$2.24	$2.34	$2.55	$2.95	$3.17	$3.26	$3.36	$3.43	$3.53	$3.66	$3.76	$3.80	$3.92	$3.95	$3.50
Payout Ratio	0.0%	0.0%	1.7%	1.6%	1.9%	2.8%	6.3%	22.3%	11.8%	25.3%	7.7%	11.0%	—	27.0%	2.0%	8.5%	45.8%	9.9%	—	2.7%	2.70%
FCF Payout Ratio	0.0%	0.0%	1.2%	1.8%	3.0%	3.6%	3.2%	3.5%	3.6%	4.4%	4.7%	4.4%	4.3%	4.4%	4.3%	4.6%	4.7%	4.6%	5.2%	4.7%	4.72%
Total Payout Ratio	0.0%	26.7%	13.5%	8.8%	8.1%	7.7%	14.9%	49.8%	27.4%	58.0%	18.8%	27.2%	—	73.7%	6.2%	27.0%	1.5%	34.7%	—	10.1%	10.11%
Div. Increase Streak	—	—	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	—	—	—	—	—	—	2.63	1.03	0.47	0.33	0.40	0.31	0.24	0.12	0.08	0.09	0.08	0.08	0.09	0.10	0.096
Buyback Yield	0.0%	6.5%	10.6%	22.4%	23.4%	12.7%	9.2%	10.5%	9.6%	8.0%	7.3%	6.8%	6.3%	7.1%	8.7%	9.1%	8.7%	8.9%	9.4%	10.6%	10.60%
Net Buyback Yield	-0.3%	6.4%	10.5%	22.2%	23.4%	12.7%	9.2%	10.5%	9.6%	8.0%	7.3%	6.8%	6.3%	7.1%	8.7%	9.1%	8.7%	8.9%	2.6%	3.7%	3.65%
Total Shareholder Return	-0.3%	6.4%	12.0%	27.3%	30.6%	20.0%	15.9%	18.9%	16.8%	14.2%	12.3%	11.4%	10.1%	11.1%	13.1%	13.3%	12.5%	12.5%	6.3%	7.5%	7.52%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.82	0.79	0.83	0.81	0.79	0.80	0.80	0.90	0.91	0.97	0.82	0.83	0.73	0.93	1.25	-1.15	0.92	-0.24	0.75	-4.90	-4.905
Interest Burden (EBT/EBIT)	0.98	0.98	0.99	0.99	0.99	0.99	0.97	0.89	0.94	0.89	0.97	0.96	1.09	0.91	0.50	-0.37	0.86	8.14	1.25	-0.26	-0.259
EBIT Margin	0.16	0.31	0.67	0.64	0.75	0.74	0.45	0.52	1.20	0.34	1.13	0.66	-0.31	0.36	0.03	0.01	0.15	-0.00	-0.07	0.01	0.012
Asset Turnover	0.00	0.01	0.02	0.04	0.04	0.03	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.01	0.02	0.02	0.02	0.018
Equity Multiplier	35.52	36.13	36.83	33.07	34.70	36.27	37.01	35.31	33.47	34.29	35.19	35.48	32.72	33.55	32.61	33.34	33.41	34.64	33.68	34.99	34.987

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$2.18	$8.38	$33.18	$70.07	$90.12	$79.17	$35.51	$10.49	$21.53	$11.69	$40.90	$29.63	$-12.71	$12.71	$1.73	$0.43	$8.20	$0.38	$-5.35	$1.47	$1.47
Book Value/Share	$108.59	$110.03	$106.43	$107.25	$102.10	$103.30	$104.52	$102.08	$114.44	$127.25	$128.94	$130.83	$141.93	$131.20	$140.21	$143.93	$145.55	$141.62	$136.22	$141.72	$149.28
Tangible Book/Share	$108.59	$110.03	$106.43	$107.25	$102.10	$103.30	$104.52	$-46.57	$114.44	$127.25	$128.94	$130.83	$141.93	$-28.53	$140.21	$143.93	$-20.28	$-24.29	$-30.67	$-24.09	$-24.09
Revenue/Share	$16.57	$34.43	$60.71	$136.42	$154.42	$135.62	$101.49	$24.97	$20.95	$39.73	$45.27	$56.29	$50.93	$41.55	$97.65	$76.33	$67.54	$95.09	$84.09	$92.66	$92.82
FCF/Share	$14.68	$37.61	$48.76	$62.86	$58.11	$62.20	$70.59	$67.26	$71.73	$66.44	$66.88	$73.52	$78.30	$77.84	$81.14	$78.62	$80.56	$81.93	$74.72	$83.72	$83.87
OCF/Share	$14.68	$37.61	$48.76	$62.86	$58.11	$62.20	$70.59	$67.26	$71.73	$66.44	$66.88	$73.52	$78.30	$77.84	$81.14	$78.62	$80.56	$81.93	$74.72	$83.72	$83.87
Cash/Share	$578.05	$573.42	$549.62	$546.56	$534.86	$559.02	$551.18	$521.07	$505.16	$539.39	$540.55	$546.04	$601.67	$591.98	$627.88	$661.65	$720.68	$760.86	$786.63	$827.89	$835.41
EBITDA/Share	$2.77	$10.91	$40.76	$87.84	$115.21	$100.90	$45.77	$13.10	$25.16	$13.48	$51.11	$37.39	$-15.95	$15.09	$2.76	$1.01	$10.30	$-0.20	$-5.69	$5.70	$5.70
Debt/Share	$28.27	$42.90	$29.35	$29.54	$49.82	$52.18	$56.24	$54.62	$56.10	$50.36	$52.00	$52.87	$58.36	$58.81	$58.98	$64.90	$66.14	$28.88	$65.56	$39.39	$39.39
Net Debt/Share	$-549.78	$-530.51	$-520.28	$-517.02	$-485.04	$-506.84	$-494.94	$-466.45	$-449.06	$-489.03	$-488.56	$-493.17	$-543.30	$-533.16	$-568.90	$-596.75	$-654.55	$-731.98	$-721.07	$-788.50	$-788.50

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.137
Altman Z-Prime	snapshot only																				-0.055
Piotroski F-Score	4	4	4	3	6	5	6	5	5	5	6	7	5	6	5	5	7	6	4	7	7
Beneish M-Score	—	—	—	—	-2.41	—	—	3.50	-2.88	—	—	2.42	-11.91	-1.23	—	—	-3.35	8.35	-3.67	—	—
Ohlson O-Score	snapshot only																				-6.401
Net-Net WC	snapshot only																				$-4987.84

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				B+
Credit Score	49.69	60.52	83.54	97.00	97.50	96.78	81.31	57.49	72.43	56.42	86.82	81.14	36.21	61.28	42.87	30.75	56.46	37.20	36.40	30.86	30.857
Credit Grade	snapshot only																				14
Credit Trend	snapshot only																				0.110
Implied Spread (bps)	snapshot only																				650.000
Industry Credit Rank	snapshot only																				2
Sector Credit Rank	snapshot only																				18

JXN NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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