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- **Sales Record**: Q3 Retail Annuities at $5 billion, up 22% YoY, with RILA 3.0 driving $2 billion in sales.
- **Capital Return**: $657 million YTD, exceeding $700-800 million target; $1 billion buyback authorization increase.
- **Hedging Strength**: RILA/VA hedge efficiency reduces external hedges; Brooke Re self-sustaining with 579% RBC ratio.
- **Market Resilience**: VA fee income up 8% QoQ, offsetting 12% surrender rate despite strong equity markets.

**【CEO Summary Section】**
- **Record Sales Growth**: Retail Annuities achieved $5 billion in Q3 sales, up 22% YoY, driven by RILA 3.0 with $2 billion in sales (38% of total). RILA AUM reached $18 billion, a 74% YoY increase.
- **Product Diversification**: Variable annuity sales without living benefits rose 24% YoY, accounting for 38% of total. Fee income grew 8% QoQ due to $263 billion in AUM.
- **Capital Return**: Returned $657 million YTD, exceeding 2025 target range of $700-800 million. Board approved $1 billion share buyback increase and $0.80 dividend.

**【CFO Financial Commentary】**
- **Adjusted Operating Earnings**: $433 million (27% YoY growth), driven by spread income and fee revenue. EPS was $6.15, up 27% YoY.
- **Capital Generation**: Free capital generation of $1.1 billion YTD, with $719 million free cash flow. RBC ratio at 579%, well above 425% target.
- **Hedging Efficiency**: RILA naturally offsets VA guarantees, reducing external hedge needs. Brooke Re remains self-sustaining with $1.6 billion in trailing 12-month free cash flow.

**【Q&A Highlights】**
- **Policyholder Behavior**: Surrender rate 12% YTD, driven by equity market performance. VA net outflows offset by $25 billion in AUM growth. No immediate changes to lapse assumptions.
- **Capital Management**: Target RBC ratio of 425% could free $1.5 billion, but focus on gradual diversification into spread products. Closed Block liabilities stable at $20 billion.
- **Hedging Strategy**: RILA/VA hedge efficiency proven; no Brighthouse-like risks due to separate statutory frameworks. Actuarial review expected to have minimal impact on capital structure.

Jackson Financial Inc. (JXN) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

JXN

JXN fundamentals

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