Jackson Financial Inc (JXN)vsRoyal Bank of Canada (RY)
JXN
Jackson Financial Inc
$138.12
-0.17%
FINANCIAL SERVICES · Cap: $9.25B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 925% more annual revenue ($67.15B vs $6.55B). RY leads profitability with a 33.9% profit margin vs 1.6%. RY trades at a lower P/E of 18.4x. RY earns a higher WallStSmart Score of 63/100 (C+).
JXN
Hold46
out of 100
Grade: D+
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 291.6% YoY
Conservative balance sheet, low leverage
Generating 1.8B in free cash flow
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
1.6% margin — thin
Premium valuation, high expectations priced in
ROE of -3.9% — below average capital efficiency
Revenue declined 22.6%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : JXN
The strongest argument for JXN centers on Price/Book, EPS Growth, Debt/Equity.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : JXN
The primary concerns for JXN are Profit Margin, P/E Ratio, Return on Equity. A P/E of 148.5x leaves little room for execution misses. Thin 1.6% margins leave little buffer for downturns.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
JXN profiles as a value stock while RY is a mature play — different risk/reward profiles.
JXN carries more volatility with a beta of 1.32 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
JXN generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
RY scores higher overall (63/100 vs 46/100), backed by strong 33.9% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Jackson Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Jackson Financial Inc. is a prominent player in the U.S. life insurance and asset management sectors, renowned for its innovative retirement solutions that aim to bolster financial security for individuals and families. The company offers a diverse portfolio of fixed and variable annuities along with life insurance products, skillfully meeting the evolving needs of retirees and investors in a complex financial landscape. By harnessing cutting-edge technology and a robust distribution network, Jackson Financial is well-equipped to capitalize on demographic trends and the rising demand for efficient retirement planning, positioning itself for sustained growth and a competitive advantage in the industry.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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