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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

NYSE:GNW - New York Stock Exchange, Inc. - US37247D1063 - Common Stock - Currency: USD

7.845  -0.03 (-0.32%)

Fundamental Rating

2

GNW gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 144 industry peers in the Insurance industry. GNW has a bad profitability rating. Also its financial health evaluation is rather negative. GNW does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

GNW had positive earnings in the past year.
In the past year GNW had a positive cash flow from operations.
GNW had positive earnings in each of the past 5 years.
GNW had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

GNW has a Return On Assets of 0.25%. This is in the lower half of the industry: GNW underperforms 75.69% of its industry peers.
Looking at the Return On Equity, with a value of 2.46%, GNW is doing worse than 78.47% of the companies in the same industry.
Industry RankSector Rank
ROA 0.25%
ROE 2.46%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 -4 6

1.3 Margins

The Profit Margin of GNW (3.00%) is worse than 72.92% of its industry peers.
GNW's Profit Margin has declined in the last couple of years.
The Operating Margin of GNW (7.42%) is worse than 60.42% of its industry peers.
GNW's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.42%
PM (TTM) 3%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -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.
GNW has less shares outstanding than it did 1 year ago.
The number of shares outstanding for GNW has been reduced compared to 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

GNW has a debt to FCF ratio of 6.63. This is a slightly negative value and a sign of low solvency as GNW would need 6.63 years to pay back of all of its debts.
GNW has a Debt to FCF ratio of 6.63. This is in the lower half of the industry: GNW underperforms 68.06% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that GNW is not too dependend on debt financing.
GNW has a better Debt to Equity ratio (0.17) than 74.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.63
Altman-Z N/A
ROIC/WACCN/A
WACC9.41%
GNW Yearly LT Debt VS Equity VS FCFGNW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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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2

3. Growth

3.1 Past

GNW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 157.89%, 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 -2.43%.
GNW shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.09% yearly.
EPS 1Y (TTM)157.89%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-58.06%
Revenue 1Y (TTM)-2.43%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-3.09%

3.2 Future

The Earnings Per Share is expected to decrease by -1.19% 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-30.66%
EPS Next 2Y-11.29%
EPS Next 3Y-1.19%
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 accelerating.
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 2014 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 2014 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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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.01 indicates a correct valuation of GNW.
GNW's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.91, GNW is valued a bit cheaper.
GNW is valuated correctly with a Price/Forward Earnings ratio of 14.88.
Based on the Price/Forward Earnings ratio, GNW is valued a bit more expensive than 61.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GNW to the average of the S&P500 Index (21.46), we can say GNW is valued slightly cheaper.
Industry RankSector Rank
PE 16.01
Fwd PE 14.88
GNW Price Earnings VS Forward Price EarningsGNW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

GNW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. GNW is cheaper than 86.81% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GNW is valued a bit more expensive than 60.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.2
EV/EBITDA 3.73
GNW Per share dataGNW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.29%
EPS Next 3Y-1.19%

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0

5. Dividend

5.1 Amount

GNW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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GENWORTH FINANCIAL INC

NYSE:GNW (6/25/2025, 12:32:02 PM)

7.845

-0.03 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners89.95%
Inst Owner Change-1.29%
Ins Owners0.76%
Ins Owner Change7.47%
Market Cap3.25B
Analysts46.67
Price Target9.18 (17.02%)
Short Float %2.55%
Short Ratio1.35
Dividend
Industry RankSector 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)0
Avg EPS beat(2)-69.21%
Min EPS beat(2)-100%
Max EPS beat(2)-38.41%
EPS beat(4)0
Avg EPS beat(4)-38.27%
Min EPS beat(4)-100%
Max EPS beat(4)-0.99%
EPS beat(8)2
Avg EPS beat(8)-55.07%
EPS beat(12)4
Avg EPS beat(12)-31.87%
EPS beat(16)7
Avg EPS beat(16)-13.07%
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)12.5%
PT rev (3m)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)-34.29%
EPS NY rev (3m)-47.99%
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 16.01
Fwd PE 14.88
P/S 0.46
P/FCF 14.2
P/OCF 14.2
P/B 0.37
P/tB 0.38
EV/EBITDA 3.73
EPS(TTM)0.49
EY6.25%
EPS(NY)0.53
Fwd EY6.72%
FCF(TTM)0.55
FCFY7.04%
OCF(TTM)0.55
OCFY7.04%
SpS17.23
BVpS21.02
TBVpS20.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 2.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 7.42%
PM (TTM) 3%
GM N/A
FCFM 3.21%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.63
Debt/EBITDA 1.96
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 29.59%
Profit Quality 107.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.41%
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)157.89%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-58.06%
EPS Next Y-30.66%
EPS Next 2Y-11.29%
EPS Next 3Y-1.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.43%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-3.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y134.51%
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-80.22%
FCF growth 3Y-41.39%
FCF growth 5Y-46.87%
OCF growth 1Y-80.22%
OCF growth 3Y-41.39%
OCF growth 5Y-46.87%