Jackson Financial Inc. (NYSE: JXN) reported a net loss of $17 million for the year ended December 31, 2025, translating to a diluted loss of $0.24 per share. The company’s adjusted earnings per share for the year were $6.61, beating the consensus estimate of $5.92 by $0.69, or 11.7%. Revenue for the year reached $1.942 billion, surpassing the $1.940 billion estimate by $1.3 million.
Full‑year 2025 results contrast sharply with the $902 million profit reported in 2024. Adjusted operating earnings climbed to $1.6 billion, up from $1.4 billion in 2024, reflecting a 14.7% return on equity versus 12.9% the prior year. The company’s net loss was largely driven by a one‑time charge related to a regulatory compliance adjustment, while operating income benefited from higher spread income on its growing Retail Indexed Life Annuity (RILA) and institutional asset mix.
In the fourth quarter, Jackson posted a net loss of $215 million, or $3.13 per diluted share, compared with a $334 million profit in Q4 2024. Revenue rose 3.5% to $1.942 billion, beating the $1.940 billion estimate. The quarter’s performance was powered by record retail annuity sales of $5.9 billion, up 27% from Q4 2024, and a 12% increase in institutional spread income. Management highlighted the strategic shift toward non‑variable annuity products and stronger capital generation as key drivers.
"Record retail annuity sales of $5.9 billion in the fourth quarter of 2025, up 27% from the fourth quarter of 2024, reflecting continued strong demand across our product suite," said the company’s CEO. He added, "Strategic shift toward non‑variable annuity products, stronger capital generation and higher targeted capital returns in 2026 following its post‑separation repositioning."
Investors reacted positively to the earnings, citing the strong EPS and revenue beats, the growth in retail annuity sales, and the company’s confidence in its capital return strategy. The results reinforce Jackson’s trajectory toward higher profitability and shareholder value, despite the year‑long net loss.
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