GNW Fundamental Analysis - GENWORTH FINANCIAL INC

Fundamental Rating

GNW gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. GNW does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

GNW had positive earnings in the past year.

GNW had a positive operating cash flow in the past year.

Each year in the past 5 years GNW has been profitable.

GNW had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.25%, GNW is doing worse than 84.35% of the companies in the same industry.

GNW has a Return On Equity of 2.50%. This is amonst the worse of the industry: GNW underperforms 82.31% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.25%
ROE	2.5%
ROIC	N/A

ROA(3y)0.37%

ROA(5y)0.44%

ROE(3y)4.17%

ROE(5y)3.9%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

GNW has a worse Profit Margin (3.05%) than 76.87% of its industry peers.

GNW's Profit Margin has declined in the last couple of years.

With a Operating Margin value of 5.47%, GNW is not doing good in the industry: 76.19% of the companies in the same industry are doing better.

In the last couple of years the Operating Margin of GNW has declined.

		Industry Rank	Sector Rank
OM	5.47%
PM (TTM)	3.05%
GM	N/A

OM growth 3Y-22%

OM growth 5Y-3.61%

PM growth 3Y-29.18%

PM growth 5Y-1.64%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

GNW does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, GNW has less shares outstanding

GNW has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, GNW has about the same debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of GNW is 9.87, which is on the high side as it means it would take GNW, 9.87 years of fcf income to pay off all of its debts.

GNW has a worse Debt to FCF ratio (9.87) than 68.71% of its industry peers.

A Debt/Equity ratio of 0.17 indicates that GNW is not too dependend on debt financing.

GNW's Debt to Equity ratio of 0.17 is fine compared to the rest of the industry. GNW outperforms 70.75% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	9.87
Altman-Z	N/A

ROIC/WACCN/A

WACC7.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 165.00% over the past year.

Measured over the past years, GNW shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.65% on average per year.

GNW shows a decrease in Revenue. In the last year, the revenue decreased by -0.30%.

The Revenue has been decreasing by -1.09% on average over the past years.

EPS 1Y (TTM)165%

EPS 3Y-27.66%

EPS 5Y-4.65%

EPS Q2Q%47.37%

Revenue 1Y (TTM)-0.3%

Revenue growth 3Y-2.34%

Revenue growth 5Y-1.09%

Sales Q2Q%3.9%

3.2 Future

GNW is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.87% yearly.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y-40.3%

EPS Next 2Y-17.18%

EPS Next 3Y-8.87%

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

GNW is valuated correctly with a Price/Earnings ratio of 16.43.

Based on the Price/Earnings ratio, GNW is valued a bit more expensive than 61.90% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.15. GNW is valued slightly cheaper when compared to this.

GNW is valuated rather expensively with a Price/Forward Earnings ratio of 18.95.

GNW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 72.79% of the companies in the same industry.

GNW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	16.43
Fwd PE	18.95

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than the industry average as 78.23% of the companies are valued more expensively.

Based on the Price/Free Cash Flow ratio, GNW is valued a bit more expensive than 66.67% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	23.21
EV/EBITDA	4.86

4.3 Compensation for Growth

A cheap valuation may be justified as GNW's earnings are expected to decrease with -8.87% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-17.18%

EPS Next 3Y-8.87%

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5. Dividend

5.1 Amount

GNW does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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GENWORTH FINANCIAL INC

NYSE:GNW (11/26/2025, 8:04:00 PM)

After market: 8.71 0 (0%)

8.71

-0.06 (-0.68%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-05 2025-11-05/amc

Earnings (Next)02-16 2026-02-16/amc

Inst Owners92.25%

Inst Owner Change-5.15%

Ins Owners0.75%

Ins Owner Change-1.96%

Market Cap3.57B

Revenue(TTM)7.20B

Net Income(TTM)220.00M

Analysts80

Price Target10.2 (17.11%)

Short Float %1.75%

Short Ratio1.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)234.08%

Min EPS beat(2)13.7%

Max EPS beat(2)454.46%

EPS beat(4)2

Avg EPS beat(4)82.43%

Min EPS beat(4)-100%

Max EPS beat(4)454.46%

EPS beat(8)3

Avg EPS beat(8)4.56%

EPS beat(12)5

Avg EPS beat(12)5.34%

EPS beat(16)7

Avg EPS beat(16)6.31%

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)5.26%

PT rev (3m)5.26%

EPS NQ rev (1m)-16.07%

EPS NQ rev (3m)-56.48%

EPS NY rev (1m)0%

EPS NY rev (3m)-22.05%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	16.43
Fwd PE	18.95
P/S	0.5
P/FCF	23.21
P/OCF	23.21
P/B	0.41
P/tB	0.41
EV/EBITDA	4.86

EPS(TTM)0.53

EY6.08%

EPS(NY)0.46

Fwd EY5.28%

FCF(TTM)0.38

FCFY4.31%

OCF(TTM)0.38

OCFY4.31%

SpS17.55

BVpS21.47

TBVpS21.02

PEG (NY)N/A

PEG (5Y)N/A

Graham Number16

Profitability

		Industry Rank	Sector Rank
ROA	0.25%
ROE	2.5%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	5.47%
PM (TTM)	3.05%
GM	N/A
FCFM	2.14%

ROA(3y)0.37%

ROA(5y)0.44%

ROE(3y)4.17%

ROE(5y)3.9%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)0.73%

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3Y-22%

OM growth 5Y-3.61%

PM growth 3Y-29.18%

PM growth 5Y-1.64%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.08

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	9.87
Debt/EBITDA	2.41
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	24.44%
Profit Quality	70%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC7.71%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)329.07%

Profit Quality(5y)427.33%

High Growth Momentum

Growth

EPS 1Y (TTM)165%

EPS 3Y-27.66%

EPS 5Y-4.65%

EPS Q2Q%47.37%

EPS Next Y-40.3%

EPS Next 2Y-17.18%

EPS Next 3Y-8.87%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.3%

Revenue growth 3Y-2.34%

Revenue growth 5Y-1.09%

Sales Q2Q%3.9%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y64.85%

EBIT growth 3Y-23.83%

EBIT growth 5Y-4.67%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-81.97%

FCF growth 3Y-41.39%

FCF growth 5Y-46.87%

OCF growth 1Y-81.97%

OCF growth 3Y-41.39%

OCF growth 5Y-46.87%

GENWORTH FINANCIAL INC / GNW FAQ

What is the fundamental rating for GNW stock?

ChartMill assigns a fundamental rating of 2 / 10 to GNW.

What is the valuation status of GENWORTH FINANCIAL INC (GNW) stock?

ChartMill assigns a valuation rating of 2 / 10 to GENWORTH FINANCIAL INC (GNW). This can be considered as Overvalued.

What is the profitability of GNW stock?

GENWORTH FINANCIAL INC (GNW) has a profitability rating of 2 / 10.

What are the PE and PB ratios of GENWORTH FINANCIAL INC (GNW) stock?

The Price/Earnings (PE) ratio for GENWORTH FINANCIAL INC (GNW) is 16.43 and the Price/Book (PB) ratio is 0.41.

GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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GENWORTH FINANCIAL INC / GNW FAQ

What is the fundamental rating for GNW stock?

What is the valuation status of GENWORTH FINANCIAL INC (GNW) stock?

What is the profitability of GNW stock?

What are the PE and PB ratios of GENWORTH FINANCIAL INC (GNW) stock?