Jackson Financial (NYSE:JXN – Get Free Report) and NI (NASDAQ:NODK – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, dividends, institutional ownership, earnings, valuation, risk and analyst recommendations.
Institutional & Insider Ownership
90.0% of Jackson Financial shares are owned by institutional investors. Comparatively, 21.9% of NI shares are owned by institutional investors. 1.4% of Jackson Financial shares are owned by company insiders. Comparatively, 1.0% of NI shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Analyst Recommendations
This is a summary of recent recommendations for Jackson Financial and NI, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Jackson Financial | 0 | 4 | 2 | 0 | 2.33 |
| NI | 0 | 1 | 0 | 0 | 2.00 |
Jackson Financial presently has a consensus target price of $134.20, indicating a potential downside of 0.58%. Given Jackson Financial’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Jackson Financial is more favorable than NI.
Valuation & Earnings
This table compares Jackson Financial and NI”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Jackson Financial | $6.34 billion | 1.44 | $48.09 million | $0.71 | 190.12 |
| NI | N/A | N/A | N/A | $0.38 | 38.89 |
Jackson Financial has higher revenue and earnings than NI. NI is trading at a lower price-to-earnings ratio than Jackson Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Jackson Financial and NI’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Jackson Financial | N/A | N/A | N/A |
| NI | N/A | N/A | N/A |
Summary
Jackson Financial beats NI on 8 of the 8 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 NI
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. Its products include private passenger auto, non-standard automobile, homeowners, farm owners, crop hail and multi-peril crop, and liability insurance policies. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. operates as a subsidiary of Nodak Mutual Group, Inc.
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