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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

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

6.96  +0.17 (+2.5%)

After market: 6.96 0 (0%)

Fundamental Rating

2

Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 143 industry peers in the Insurance industry. Both the profitability and financial health of GNW have multiple concerns. GNW is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years GNW had a positive operating cash flow.
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

With a Return On Assets value of 0.34%, GNW is not doing good in the industry: 77.62% of the companies in the same industry are doing better.
With a Return On Equity value of 3.52%, GNW is not doing good in the industry: 79.72% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.34%
ROE 3.52%
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

GNW has a Profit Margin of 4.16%. This is in the lower half of the industry: GNW underperforms 67.13% of its industry peers.
In the last couple of years the Profit Margin of GNW has declined.
The Operating Margin of GNW (8.25%) is comparable to the rest of the industry.
GNW's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.25%
PM (TTM) 4.16%
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 17.25. This is a negative value and a sign of low solvency as GNW would need 17.25 years to pay back of all of its debts.
With a Debt to FCF ratio value of 17.25, GNW is not doing good in the industry: 73.43% of the companies in the same industry are doing better.
GNW has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
GNW has a better Debt to Equity ratio (0.18) than 71.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 17.25
Altman-Z N/A
ROIC/WACCN/A
WACC7.78%
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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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 152.63% 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.
Looking at the last year, GNW shows a decrease in Revenue. The Revenue has decreased by -0.41% in the last year.
The Revenue has been decreasing by -1.09% on average over the past years.
EPS 1Y (TTM)152.63%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-61.29%
Revenue 1Y (TTM)-0.41%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-3.09%

3.2 Future

GNW is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.78% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y24.67%
EPS Next 2Y-8.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 0 0.5 -0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.50, the valuation of GNW can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of GNW is on the same level as its industry peers.
GNW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.22.
The Price/Forward Earnings ratio is 12.48, which indicates a correct valuation of GNW.
The rest of the industry has a similar Price/Forward Earnings ratio as GNW.
GNW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.86.
Industry RankSector Rank
PE 14.5
Fwd PE 12.48
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

GNW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. GNW is cheaper than 86.71% of the companies in the same industry.
68.53% of the companies in the same industry are cheaper than GNW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 32.89
EV/EBITDA 2.72
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A cheap valuation may be justified as GNW's earnings are expected to decrease with -8.78% in the coming years.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y-8.78%
EPS Next 3YN/A

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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 (5/2/2025, 8:04:00 PM)

After market: 6.96 0 (0%)

6.96

+0.17 (+2.5%)

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 Owners88.92%
Inst Owner Change-0.48%
Ins Owners0.54%
Ins Owner Change6.5%
Market Cap2.89B
Analysts46.67
Price Target8.16 (17.24%)
Short Float %2.3%
Short Ratio1.48
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)-50.49%
Min EPS beat(2)-100%
Max EPS beat(2)-0.99%
EPS beat(4)1
Avg EPS beat(4)-12.08%
Min EPS beat(4)-100%
Max EPS beat(4)66.36%
EPS beat(8)2
Avg EPS beat(8)-55.19%
EPS beat(12)5
Avg EPS beat(12)-27.27%
EPS beat(16)8
Avg EPS beat(16)-4.38%
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)-5.88%
PT rev (3m)-5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-20.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.11%
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 14.5
Fwd PE 12.48
P/S 0.4
P/FCF 32.89
P/OCF 32.89
P/B 0.34
P/tB 0.35
EV/EBITDA 2.72
EPS(TTM)0.48
EY6.9%
EPS(NY)0.56
Fwd EY8.01%
FCF(TTM)0.21
FCFY3.04%
OCF(TTM)0.21
OCFY3.04%
SpS17.28
BVpS20.42
TBVpS19.95
PEG (NY)0.59
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.34%
ROE 3.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.25%
PM (TTM) 4.16%
GM N/A
FCFM 1.22%
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-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 17.25
Debt/EBITDA 1.8
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.78
Cash Conversion 10.45%
Profit Quality 29.43%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.78%
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)152.63%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-61.29%
EPS Next Y24.67%
EPS Next 2Y-8.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.41%
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 1Y126.34%
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-85.26%
FCF growth 3Y-41.39%
FCF growth 5Y-46.87%
OCF growth 1Y-85.26%
OCF growth 3Y-41.39%
OCF growth 5Y-46.87%