Critical Contrast: Jackson Financial (NYSE:JXN) and Tian Ruixiang (NASDAQ:TIRX)

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

Risk & Volatility

Tian Ruixiang has a beta of 0.26, suggesting that its share price is 74% less volatile than the S&P 500. Comparatively, Jackson Financial has a beta of 1.3, suggesting that its share price is 30% more volatile than the S&P 500.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tian Ruixiang	$5.86 million	0.38	-$3.99 million	N/A	N/A
Jackson Financial	$6.34 billion	1.48	$27.00 million	$0.71	189.75

Jackson Financial has higher revenue and earnings than Tian Ruixiang.

Analyst Ratings

This is a breakdown of current recommendations for Tian Ruixiang and Jackson Financial, as reported by MarketBeat.

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

Jackson Financial has a consensus target price of $133.80, suggesting a potential downside of 0.68%. Given Jackson Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Jackson Financial is more favorable than Tian Ruixiang.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Tian Ruixiang	N/A	N/A	N/A
Jackson Financial	1.59%	18.93%	0.52%

Insider and Institutional Ownership

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

Summary

Jackson Financial beats Tian Ruixiang on 12 of the 13 factors compared between the two stocks.

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.

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.