JXN (Jackson Financial) Moat Score: 4/10 (As of Jul. 11, 2026)


JXN Jackson Financial Inc JXN
75 GF Score
Price $116.76
GF Value $159.30
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Jackson Financial Moat Score?

Jackson Financial JXN +5.39% 75 Moat Score is 4 as of Jul. 11, 2026. GuruFocus rates JXN with a GF Score™ of 75/100 and a GF Value™ of $159.30 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 596 Insurance companies, Jackson Financial ranks better than 79.53% on this metric.

Jackson Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Jackson Financial has Narrow Moat: Jackson Financial Inc has a modest moat due to its established market presence and some customer loyalty. However, it lacks significant regulatory barriers, proprietary technology, or strong pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Jackson Financial might have Narrow Moat - Discernible but modest moat.

Jackson Financial  (NYSE:JXN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Jackson Financial Moat Score Related Terms

JXN vs LNC, PRI, CNO: Moat Score Comparison

For the Insurance - Life subindustry, Jackson Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Jackson Financial Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Jackson Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Jackson Financial's Moat Score falls into.


JXN
75GF Score
Jackson Financial Inc JXN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Jackson Financial (JXN) has a Moat Score of 4 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Jackson Financial ranks #122 out of 596 companies in the Insurance industry, placing it in the top 20.5%.
Is Jackson Financial's Moat Score too high?
Jackson Financial's current Moat Score is 4. Based on the distribution chart, Jackson Financial ranks #122 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Jackson Financial has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Jackson Financial's Moat Score compare to LNC and PRI?
According to the Insurance industry distribution chart, Jackson Financial ranks #122 out of 596 companies for Moat Score. This places Jackson Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Jackson Financial's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jackson Financial stock overvalued right now?
Based on GuruFocus' analysis, Jackson Financial (JXN) is currently considered Modestly Undervalued. The stock's GF Value™ is $159.30, compared to a current price of $116.76 — trading 26.7% below its estimated fair value. The current Moat Score is 4. Jackson Financial's overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Jackson Financial (JXN), the current Moat Score is 4 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jackson Financial (JXN) Overvalued in 2026?

Based on GuruFocus' analysis, Jackson Financial stock appears to be undervalued. The current stock price of $116.76 is trading 26.7% below its estimated GF Value™ of $159.30. GuruFocus considers Jackson Financial to be Modestly Undervalued.

Key valuation signals for JXN:

  • Moat Score: 4
  • GF Value™: $159.30 vs. price of $116.76 (26.7% below fair value)
  • GF Score™: 75/100 with 6 warning signs

No single metric tells the full story. See the JXN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Jackson Financial Business Description

Other Exchanges 0JKF:UK8WF:Germany
Address 1 Corporate Way, Lansing, MI, USA, 48951
Jackson Financial Inc helps Americans grow and protect their retirement savings and income to enable them to pursue financial freedom for life. 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.
75GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$116.76
Price
$159.30
GF Value