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Jackson Financial (JXN) investor relations material
Jackson Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved strong sales growth in Q3 2025, with retail annuity sales exceeding $5.4 billion, record RILA sales of $2.1 billion, and robust institutional sales growth of 34% to $1 billion; net income rebounded to $65 million from a $480 million loss in Q3 2024.
Adjusted operating earnings for Q3 2025 were $433 million, up from $350 million in Q3 2024, driven by higher spread and fee income, lower expenses, and share repurchases.
Free capital generation exceeded $1 billion year-to-date, with $216 million in Q3; capital return to shareholders reached $805 million over the last 12 months, including a $1 billion increase to share repurchase authorization.
RILA balances rose 74% year-over-year, with new advisor relationships and partnerships, such as with J.P. Morgan Chase, accelerating growth.
Total assets grew to $353.6 billion as of September 30, 2025, with $325 billion AUM and $17.8 billion in annuity sales for 2024.
Financial highlights
Adjusted operating EPS was $6.16 for Q3 2025, up from $4.60 in Q3 2024; adjusted book value per share was $158.44.
Free cash flow was $719 million for the nine months ended September 30, 2025, and nearly $1 billion for the trailing 12 months.
Net investment income increased to $856 million in Q3 2025, driven by higher bond and partnership income.
Statutory total adjusted capital at JNL was $5.6 billion, with an estimated RBC ratio of 579%.
Return on equity for the nine months ended September 30, 2025 was 2.7%; adjusted operating ROE was 15.7% for Q3 2025.
Outlook and guidance
Management expects full-year 2025 capital return to exceed the $700–$800 million target, with momentum expected to continue into 2026.
Board approved a $1 billion increase to share repurchase authorization and a Q4 dividend of $0.80 per share.
Actuarial assumption review results and 2026 financial targets to be published with Q4 results.
Actuarial review impact on VA lapse assumptions
Strategy to reduce RBC from 579% to 425% target
Brooke Re hedging: Why avoid peer's limits?
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Next Jackson Financial earnings date
Q4 202519 Feb, 2026
Next Jackson Financial earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
Jackson Financial Inc. is a financial services company specializing in retirement and annuity solutions. The company offers a range of annuity products, including fixed, variable, and fixed-indexed annuities, designed to help individuals build and protect their retirement savings. Jackson also provides advisory services and investment management solutions to support financial advisors and their clients. The company is headquartered in Lansing, Michigan, and its shares are listed on the NYSE.
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