GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

NYSE:GNW • US37247D1063

9 USD
+0.08 (+0.9%)
At close: Feb 17, 2026
9 USD
0 (0%)
After Hours: 2/17/2026, 8:20:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 149 industry peers in the Insurance industry. Both the profitability and financial health of GNW have multiple concerns. GNW has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year GNW was profitable.
  • GNW had a positive operating cash flow in the past year.
  • GNW had positive earnings in each of the past 5 years.
  • In the past 5 years GNW always reported a positive cash flow from operatings.
GNW Yearly Net Income VS EBIT VS OCF VS FCFGNW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • The Return On Assets of GNW (0.25%) is worse than 81.21% of its industry peers.
  • GNW has a Return On Equity of 2.50%. This is in the lower half of the industry: GNW underperforms 79.19% of its industry peers.
Industry RankSector 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
GNW Yearly ROA, ROE, ROICGNW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6

1.3 Margins

  • GNW's Profit Margin of 3.05% is on the low side compared to the rest of the industry. GNW is outperformed by 73.83% of its industry peers.
  • GNW's Profit Margin has declined in the last couple of years.
  • GNW's Operating Margin of 5.47% is on the low side compared to the rest of the industry. GNW is outperformed by 72.48% of its industry peers.
  • GNW's Operating Margin has declined in the last couple of years.
Industry RankSector 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
GNW Yearly Profit, Operating, Gross MarginsGNW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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2

2. Health

2.1 Basic Checks

  • GNW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GNW has been reduced compared to 1 year ago.
  • GNW has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for GNW has remained at the same level compared to a year ago.
GNW Yearly Shares OutstandingGNW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
GNW Yearly Total Debt VS Total AssetsGNW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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.
  • With a Debt to FCF ratio value of 9.87, GNW is not doing good in the industry: 67.79% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.17 indicates that GNW is not too dependend on debt financing.
  • The Debt to Equity ratio of GNW (0.17) is better than 71.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 9.87
Altman-Z N/A
ROIC/WACCN/A
WACC7.74%
GNW Yearly LT Debt VS Equity VS FCFGNW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GNW Yearly Current Assets VS Current LiabilitesGNW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2021 2022 2023 2024 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • GNW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 165.00%, which is quite impressive.
  • 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

  • The Earnings Per Share is expected to decrease by -9.18% on average over the next years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-43.77%
EPS Next 2Y-17.27%
EPS Next 3Y-9.18%
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.
GNW Yearly Revenue VS EstimatesGNW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
GNW Yearly EPS VS EstimatesGNW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.98, GNW is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of GNW indicates a slightly more expensive valuation: GNW is more expensive than 63.09% of the companies listed in the same industry.
  • GNW is valuated rather cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 19.63, GNW is valued on the expensive side.
  • GNW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 69.80% of the companies in the same industry.
  • GNW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.98
Fwd PE 19.63
GNW Price Earnings VS Forward Price EarningsGNW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than the industry average as 79.19% of the companies are valued more expensively.
  • GNW's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GNW is more expensive than 67.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.34
EV/EBITDA 4.89
GNW Per share dataGNW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • GNW's earnings are expected to decrease with -9.18% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.27%
EPS Next 3Y-9.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for GNW!.
Industry RankSector Rank
Dividend Yield 0%

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GENWORTH FINANCIAL INC

NYSE:GNW (2/17/2026, 8:20:16 PM)

After market: 9 0 (0%)

9

+0.08 (+0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-23
Inst Owners89.89%
Inst Owner Change0.15%
Ins Owners0.76%
Ins Owner Change-1.39%
Market Cap3.59B
Revenue(TTM)7.20B
Net Income(TTM)220.00M
Analysts80
Price Target10.2 (13.33%)
Short Float %2.12%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)27.66%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.81%
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 RankSector Rank
PE 16.98
Fwd PE 19.63
P/S 0.5
P/FCF 23.34
P/OCF 23.34
P/B 0.41
P/tB 0.42
EV/EBITDA 4.89
EPS(TTM)0.53
EY5.89%
EPS(NY)0.46
Fwd EY5.09%
FCF(TTM)0.39
FCFY4.28%
OCF(TTM)0.39
OCFY4.28%
SpS18.04
BVpS22.06
TBVpS21.6
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.22
Profitability
Industry RankSector 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 RankSector 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
WACC7.74%
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-43.77%
EPS Next 2Y-17.27%
EPS Next 3Y-9.18%
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 for GNW stock?

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


Can you provide the profitability details for GENWORTH FINANCIAL INC?

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 16.98 and the Price/Book (PB) ratio is 0.41.


What is the financial health of GENWORTH FINANCIAL INC (GNW) stock?

The financial health rating of GENWORTH FINANCIAL INC (GNW) is 2 / 10.