Critical Review: Jackson Financial (NYSE:JXN) & Tian Ruixiang (NASDAQ:TIRX)

Jackson Financial (NYSE:JXN) and Tian Ruixiang (NASDAQ:TIRX) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Institutional & Insider Ownership

90.0% of Jackson Financial shares are held by institutional investors. Comparatively, 10.7% of Tian Ruixiang shares are held by institutional investors. 1.4% of Jackson Financial shares are held by company insiders. Comparatively, 39.6% of Tian Ruixiang shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares Jackson Financial and Tian Ruixiang”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jackson Financial	$6.68 billion	1.28	$27.00 million	($6.11)	-20.00
Tian Ruixiang	$5.86 million	0.38	-$3.99 million	N/A	N/A

Jackson Financial has higher revenue and earnings than Tian Ruixiang.

Volatility and Risk

Jackson Financial has a beta of 1.32, meaning that its stock price is 32% more volatile than the S&P 500. Comparatively, Tian Ruixiang has a beta of 0.26, meaning that its stock price is 74% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Jackson Financial and Tian Ruixiang, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jackson Financial	0	4	2	1	2.57
Tian Ruixiang	1	0	0	0	1.00

Jackson Financial currently has a consensus price target of $126.40, indicating a potential upside of 3.43%. Given Jackson Financial’s stronger consensus rating and higher probable upside, analysts plainly believe Jackson Financial is more favorable than Tian Ruixiang.

Profitability

This table compares Jackson Financial and Tian Ruixiang’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jackson Financial	N/A	17.21%	0.49%
Tian Ruixiang	N/A	N/A	N/A

Summary

Jackson Financial beats Tian Ruixiang on 11 of the 12 factors compared between the two stocks.

About Jackson Financial

Jackson Financial Inc., through its subsidiaries, provides suite of annuities to retail investors in the United States. The company operates through three segments: Retail Annuities, Institutional Products, and Closed Life and Annuity Blocks. The Retail Annuities segment offers various retirement income and savings products, including variable, fixed index, fixed, and payout annuities, as well as registered index-linked annuities and lifetime income solutions. The Institutional Products segment provides traditional guaranteed investment contracts; funding agreements comprising agreements issued in conjunction with its participation in the U.S. federal home loan bank program; and medium-term funding agreement-backed notes. The Closed Life and Annuity Blocks segment offers various protection products, such as whole life, universal life, variable universal life, and term life insurance products, as well as fixed, fixed index, and payout annuities; and a block of group payout annuities. The company also offers investment management services. It sells its products through a distribution network that includes independent broker-dealers, wirehouses, regional broker-dealers, banks, independent registered investment advisors, third-party platforms, and insurance agents. The company was formerly known as Brooke (Holdco1) Inc. and changed its name to Jackson Financial Inc. in July 2020. Jackson Financial Inc. was incorporated in 2006 and is headquartered in Lansing, Michigan.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.