GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis
USA - NYSE:GNW - US37247D1063 - Common Stock
8.405 USD
-0.01 (-0.06%)
Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 147 industry peers in the Insurance industry. Both the profitability and financial health of GNW have multiple concerns. GNW does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year GNW was profitable.
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
GNW has a worse Return On Assets (0.22%) than 83.67% of its industry peers.
The Return On Equity of GNW (2.15%) is worse than 81.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 2.15% | ||
| 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
With a Profit Margin value of 2.64%, GNW is not doing good in the industry: 76.87% of the companies in the same industry are doing better.
GNW's Profit Margin has declined in the last couple of years.
GNW has a Operating Margin of 5.73%. This is in the lower half of the industry: GNW underperforms 74.15% of its industry peers.
In the last couple of years the Operating Margin of GNW has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.73% | ||
| PM (TTM) | 2.64% | ||
| 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
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.
GNW has about the same debt/assets ratio as last year.
2.2 Solvency
GNW has a debt to FCF ratio of 6.67. This is a slightly negative value and a sign of low solvency as GNW would need 6.67 years to pay back of all of its debts.
With a Debt to FCF ratio value of 6.67, GNW is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
GNW has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
GNW has a better Debt to Equity ratio (0.17) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 6.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 165.00% over the past year.
The Earnings Per Share has been decreasing by -4.65% on average over the past years.
GNW shows a decrease in Revenue. In the last year, the revenue decreased by -0.41%.
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)-0.41%
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 -8.87% 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-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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.86 indicates a correct valuation of GNW.
62.59% of the companies in the same industry are cheaper than GNW, based on the Price/Earnings ratio.
GNW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.46.
A Price/Forward Earnings ratio of 18.29 indicates a rather expensive valuation of GNW.
Based on the Price/Forward Earnings ratio, GNW is valued a bit more expensive than 68.71% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.39. GNW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.86 | ||
| Fwd PE | 18.29 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than the industry average as 79.59% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as GNW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.13 | ||
| EV/EBITDA | 4.87 |
4.3 Compensation for Growth
GNW's earnings are expected to decrease with -8.87% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.18%
EPS Next 3Y-8.87%
5. Dividend
5.1 Amount
No dividends for GNW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:GNW (11/19/2025, 2:58:31 PM)
8.405
-0.01 (-0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners92.25%
Inst Owner Change-5.09%
Ins Owners0.75%
Ins Owner Change0.42%
Market Cap3.45B
Revenue(TTM)7.29B
Net Income(TTM)189.00M
Analysts80
Price Target10.2 (21.36%)
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)1
Avg EPS beat(2)-12.36%
Min EPS beat(2)-38.41%
Max EPS beat(2)13.7%
EPS beat(4)1
Avg EPS beat(4)-31.43%
Min EPS beat(4)-100%
Max EPS beat(4)13.7%
EPS beat(8)2
Avg EPS beat(8)-61.37%
EPS beat(12)4
Avg EPS beat(12)-33.04%
EPS beat(16)7
Avg EPS beat(16)-16.55%
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)0%
EPS NQ rev (3m)-51.22%
EPS NY rev (1m)0%
EPS NY rev (3m)-14.84%
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 | 15.86 | ||
| Fwd PE | 18.29 | ||
| P/S | 0.48 | ||
| P/FCF | 15.13 | ||
| P/OCF | 15.13 | ||
| P/B | 0.39 | ||
| P/tB | 0.4 | ||
| EV/EBITDA | 4.87 |
EPS(TTM)0.53
EY6.31%
EPS(NY)0.46
Fwd EY5.47%
FCF(TTM)0.56
FCFY6.61%
OCF(TTM)0.56
OCFY6.61%
SpS17.46
BVpS21.41
TBVpS20.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.22% | ||
| ROE | 2.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 5.73% | ||
| PM (TTM) | 2.64% | ||
| GM | N/A | ||
| FCFM | 3.18% |
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-Score8
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 6.67 | ||
| Debt/EBITDA | 2.33 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 34.97% | ||
| Profit Quality | 120.64% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.77%
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)-0.41%
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 1Y65.06%
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-76.9%
FCF growth 3Y-41.39%
FCF growth 5Y-46.87%
OCF growth 1Y-76.9%
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 15.86 and the Price/Book (PB) ratio is 0.39.