GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

NYSE:GNW • US37247D1063

8.92 USD
-0.08 (-0.89%)
At close: Feb 13, 2026
9.08 USD
+0.16 (+1.79%)
After Hours: 2/13/2026, 8:13:47 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, GNW scores 2 out of 10 in our fundamental rating. GNW was compared to 149 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. 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.
  • In the past year GNW had a positive cash flow from operations.
  • In the past 5 years GNW has always been profitable.
  • 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.
  • The Operating Margin of GNW (5.47%) is worse than 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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
  • Compared to 5 years ago, GNW has less shares outstanding
  • Compared to 1 year ago, GNW has about the same debt to assets ratio.
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

  • GNW has a debt to FCF ratio of 9.87. This is a negative value and a sign of low solvency as GNW would need 9.87 years to pay back of all of its debts.
  • The Debt to FCF ratio of GNW (9.87) is worse than 67.79% of its industry peers.
  • A Debt/Equity ratio of 0.17 indicates that GNW is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.17, GNW is in the better half of the industry, outperforming 71.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 9.87
Altman-Z N/A
ROIC/WACCN/A
WACC7.73%
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

  • The Earnings Per Share has grown by an impressive 165.00% over the past year.
  • GNW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.65% yearly.
  • The Revenue has decreased by -0.30% in the past year.
  • Measured over the past years, GNW shows a decrease in Revenue. The Revenue has been decreasing by -1.09% on average per year.
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

  • Based on the Price/Earnings ratio of 16.83, the valuation of GNW can be described as correct.
  • GNW's Price/Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 63.76% of the companies in the same industry.
  • GNW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 19.45, which indicates a rather expensive current valuation of GNW.
  • Based on the Price/Forward Earnings ratio, GNW is valued a bit more expensive than the industry average as 69.80% of the companies are valued more cheaply.
  • GNW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 16.83
Fwd PE 19.45
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 78.52% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, GNW is valued a bit more expensive than 65.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.13
EV/EBITDA 4.84
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

GENWORTH FINANCIAL INC

NYSE:GNW (2/13/2026, 8:13:47 PM)

After market: 9.08 +0.16 (+1.79%)

8.92

-0.08 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)02-23
Inst Owners89.89%
Inst Owner Change-94.1%
Ins Owners0.76%
Ins Owner Change-1.39%
Market Cap3.56B
Revenue(TTM)7.20B
Net Income(TTM)220.00M
Analysts80
Price Target10.2 (14.35%)
Short Float %1.97%
Short Ratio1.95
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 16.83
Fwd PE 19.45
P/S 0.49
P/FCF 23.13
P/OCF 23.13
P/B 0.4
P/tB 0.41
EV/EBITDA 4.84
EPS(TTM)0.53
EY5.94%
EPS(NY)0.46
Fwd EY5.14%
FCF(TTM)0.39
FCFY4.32%
OCF(TTM)0.39
OCFY4.32%
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
WACC7.73%
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 16.83 and the Price/Book (PB) ratio is 0.4.


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

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