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GNW vs JXN
Which Stock Would AI Choose? Genworth Financial (GNW) vs. Jackson Financial (JXN) Stock Comparison
Key Takeaways
- GNW and JXN both operate in the U.S. insurance and retirement services sector, yet they serve markedly different market segments and carry distinct risk-reward profiles.
- Genworth Financial derives the bulk of its value from its majority stake in ACT (Enact Holdings), a mortgage insurance provider, while managing a legacy Closed Block of long-term care, life, and annuity policies that can weigh on earnings.
- Jackson Financial has delivered record retail annuity sales and powerful shareholder returns, supported by an adjusted operating return on equity (ROE) of 14.7% in fiscal 2025 and a robust risk-based capital (RBC) ratio exceeding 560%.
- Over the past year, JXN has meaningfully outperformed GNW on a total return basis, though Genworth trades at a significantly deeper discount to book value.
- Both companies have been aggressively repurchasing shares, signaling management confidence, but Jackson also offers a dividend yield near 3% while Genworth does not pay a dividend.
- The two stocks appeal to different investor priorities: value-oriented, contrarian investors may gravitate toward GNW, while those seeking strong business momentum and capital returns may lean toward JXN.
Introduction
Investors evaluating the financial services and insurance landscape often encounter Genworth Financial (NYSE: GNW) and Jackson Financial (NYSE: JXN) as two mid-cap names with established franchises but very different operational blueprints. Both are U.S.-focused insurance holding companies, yet their business drivers, growth narratives, and market reactions have diverged considerably in recent quarters. This stock comparison examines how GNW and JXN stack up across dimensions including business model, recent performance, capital allocation, and market sentiment — offering clarity for traders and investors weighing exposure to the insurance sector.
GNW Overview and Recent Performance
Genworth Financial is a Richmond, Virginia-based insurance holding company operating through two primary segments: Enact, a leading U.S. private mortgage insurer that trades publicly as ACT (Enact Holdings), and the Closed Block, which houses legacy long-term care (LTC), life insurance, and annuity products. Enact remains the company's principal earnings engine, generating $146 million in adjusted operating income in the fourth quarter of 2025 alone and maintaining a healthy PMIERs (Private Mortgage Insurer Eligibility Requirements) sufficiency ratio of 162%. The Closed Block, however, continues to face headwinds from LTC claims experience, posting an adjusted operating loss of $114 million in the same period.
In recent weeks, GNW shares have traded near the upper end of their 52-week range, supported by a series of analyst upgrades and the company's aggressive share repurchase program, which has retired approximately $790 million in stock since inception. The company's holding company cash and liquid assets stood at $234 million at year-end 2025, providing a measured liquidity buffer. With a price-to-book ratio well below 0.5 and a trailing P/E (price-to-earnings) ratio around 18–19, GNW continues to trade at a notable discount to many insurance peers, reflecting the market's persistent caution around its legacy LTC exposure.
JXN Overview and Recent Performance
Jackson Financial is a Lansing, Michigan-based retirement services company specializing in annuity products sold through a nationwide network of financial advisors. Its product suite spans variable annuities, registered index-linked annuities (RILA), fixed and fixed index annuities, and institutional products. Jackson delivered record retail annuity sales of $19.7 billion in fiscal 2025 — a 10% year-over-year increase — with standout growth in RILA products, which rose 22% to $6.9 billion in the same period.
On an adjusted operating basis, Jackson posted earnings of $1.6 billion, or $22.67 per diluted share, for full-year 2025, up from $18.79 per diluted share in 2024. The company's capital position remains notably strong, with an RBC (risk-based capital, a key regulatory measure of an insurer's financial strength) ratio of 567% at its flagship operating subsidiary, Jackson National Life Insurance Company. Jackson returned $862 million to common shareholders in 2025 via buybacks and dividends, and has set a 2026 capital return target of $900 million to $1.1 billion. A recent strategic partnership with TPG, along with a Jefferies upgrade to Buy with a $140 price target, has further buoyed sentiment. JXN shares have rallied strongly over the past year, reflecting enthusiasm for the company's diversified annuity platform and its disciplined capital return framework.
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Head-to-Head Comparison
Business Model Contrasts: Genworth is best understood as a mortgage-insurance-led holding company with a legacy runoff book. Enact generates predictable, fee-like premium revenue tied to the U.S. housing market, while the Closed Block requires careful liability management. Jackson, by contrast, is a pure-play retirement services firm where earnings are driven by spread income (the difference between what it earns on its investment portfolio and what it credits to policyholders) and fee income on assets under management (AUM). Jackson's earnings are more sensitive to equity market performance and interest rate movements, while Genworth's are more tethered to mortgage origination cycles and LTC claims trends.
Growth Drivers and Momentum: Jackson's growth story is more dynamic at present. Record annuity sales, rapid RILA adoption, and expanding institutional inflows signal robust demand across multiple distribution channels. Genworth's growth narrative is more defensive: Enact benefits from elevated mortgage insurance persistency and new insurance written, but the Closed Block is a structural earnings drag that requires ongoing premium rate increases and benefit reductions to manage.
Capital Allocation and Shareholder Returns: Jackson's capital return program is among the most aggressive in its peer group, combining a quarterly dividend (recently raised to $0.90 per share) with substantial buybacks that have reduced diluted share count meaningfully. Genworth does not pay a common dividend but has executed a significant buyback program, reducing shares outstanding from approximately 507 million in 2021 to roughly 383 million as of early 2026.
Risk Factors: Genworth's primary risk centers on its legacy LTC block, where adverse claims experience or unfavorable actuarial assumption updates can swing quarterly results materially. Jackson's key risks involve equity market volatility (which affects fee income and hedging results), interest rate sensitivity, and the performance of its alternative investment portfolio. Jackson also carries a higher beta of approximately 1.33 compared to GNW's 0.86, indicating greater sensitivity to broader market swings.
Valuation: GNW trades at a steeper discount to book value (price-to-book around 0.4) compared to JXN (price-to-book around 0.75), reflecting the market's discounting of the Closed Block overhang. JXN commands a higher market capitalization of roughly $8.4 billion versus GNW's $3.8 billion, despite similar revenue scales.
Tickeron AI Verdict
Based on the observable data — including trend consistency, capital strength, adjusted earnings growth, analyst sentiment, and shareholder return momentum — Tickeron's AI-driven analysis would likely favor JXN in the current environment. Jackson Financial exhibits more consistent upward momentum in its core operating metrics, a diversified and growing annuity franchise, an exceptionally strong RBC ratio, and a clearly articulated capital return roadmap that has consistently exceeded targets. While Genworth's deep valuation discount and Enact-driven cash flows offer a compelling value proposition, the persistent uncertainty surrounding its legacy long-term care block introduces variability that trend-following AI models tend to penalize. This probabilistic assessment does not constitute a prediction about future price direction, but rather an evaluation of relative positioning based on the factors that algorithmic systems commonly weigh — including trend stability, earnings quality, and institutional sentiment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is GNW is a Hold and JXN is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
GNW’s FA Score shows that 2 FA rating(s) are green whileJXN’s FA Score has 2 green FA rating(s).
- GNW’s FA Score: 2 green, 3 red.
- JXN’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
GNW’s TA Score shows that 2 TA indicator(s) are bullish while JXN’s TA Score has 5 bullish TA indicator(s).
- GNW’s TA Score: 2 bullish, 6 bearish.
- JXN’s TA Score: 5 bullish, 5 bearish.
Price Growth
GNW (@Life/Health Insurance) experienced а -0.91% price change this week, while JXN (@Life/Health Insurance) price change was +2.52% for the same time period.
The average weekly price growth across all stocks in the @Life/Health Insurance industry was +1.10%. For the same industry, the average monthly price growth was +2.15%, and the average quarterly price growth was +5.83%.
Reported Earning Dates
GNW is expected to report earnings on Aug 05, 2026.
JXN is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Life/Health Insurance (+1.10% weekly)Life insurance companies mainly sell policies that pay a death benefit as a lump sum upon the death of the insured to their beneficiaries. Life insurance policies may be sold as term life, (which guarantees payment of a stated death benefit and expires at the end of a specified term) or permanent /typically whole life (which is more expensive but lasts a lifetime and carries a cash accumulation component). Life insurance firms may also sell long-term disability policies that help to replace the insured individual’s income if they become sick or disabled. Health insurance, on the other hand, helps pay for medical expenses. Anthem, Inc., MetLife, Inc. and Aflac Incorporated are some of the largest U.S. companies in this industry.
| GNW | JXN | GNW / JXN | |
| Capitalization | 3.77B | 8.53B | 44% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 8.859 | 16.634 | 53% |
| P/E Ratio | 18.90 | 15.31 | 123% |
| Revenue | 7.07B | 5.7B | 124% |
| Total Cash | 8.51B | N/A | - |
| Total Debt | 1.51B | 4.57B | 33% |
GNW | ||
|---|---|---|
OUTLOOK RATING 1..100 | 35 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 53 Fair valued | |
PROFIT vs RISK RATING 1..100 | 7 | |
SMR RATING 1..100 | 92 | |
PRICE GROWTH RATING 1..100 | 44 | |
P/E GROWTH RATING 1..100 | 26 | |
SEASONALITY SCORE 1..100 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
| GNW | JXN | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 66% | 4 days ago 62% |
| Stochastic ODDS (%) | 4 days ago 64% | 4 days ago 84% |
| Momentum ODDS (%) | 4 days ago 63% | 4 days ago 61% |
| MACD ODDS (%) | 4 days ago 65% | 4 days ago 72% |
| TrendWeek ODDS (%) | 4 days ago 59% | 4 days ago 78% |
| TrendMonth ODDS (%) | 4 days ago 60% | 4 days ago 78% |
| Advances ODDS (%) | 6 days ago 67% | 4 days ago 78% |
| Declines ODDS (%) | 4 days ago 59% | 12 days ago 64% |
| BollingerBands ODDS (%) | 4 days ago 73% | 4 days ago 67% |
| Aroon ODDS (%) | 4 days ago 58% | 6 days ago 70% |
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GNW and
Correlation & Price change
A.I.dvisor indicates that over the last year, GNW has been loosely correlated with CNO. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if GNW jumps, then CNO could also see price increases.
JXN and
Correlation & Price change
A.I.dvisor indicates that over the last year, JXN has been loosely correlated with LNC. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if JXN jumps, then LNC could also see price increases.