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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

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

7.275  -0.11 (-1.56%)

Fundamental Rating

2

Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 145 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. 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

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.
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's Return On Assets of 0.25% is on the low side compared to the rest of the industry. GNW is outperformed by 75.17% of its industry peers.
GNW has a Return On Equity of 2.46%. This is in the lower half of the industry: GNW underperforms 77.93% of its industry peers.
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

GNW's Profit Margin of 3.00% is on the low side compared to the rest of the industry. GNW is outperformed by 72.41% of its industry peers.
In the last couple of years the Profit Margin of GNW has declined.
GNW's Operating Margin of 7.42% is on the low side compared to the rest of the industry. GNW is outperformed by 60.00% 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.
Compared to 1 year ago, GNW has less shares outstanding
The number of shares outstanding for GNW has been reduced compared to 5 years ago.
Compared to 1 year ago, GNW has about the same debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 6.63, GNW is doing worse than 66.90% of the companies in the same industry.
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 Debt to Equity ratio of 0.17. This is in the better half of the industry: GNW outperforms 73.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.63
Altman-Z N/A
ROIC/WACCN/A
WACC7.89%
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

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.
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 -2.43% in the past year.
The Revenue has been decreasing by -1.09% on average over the past years.
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

GNW is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.52% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-29.9%
EPS Next 2Y-11.34%
EPS Next 3Y-5.52%
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 stable.
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

Based on the Price/Earnings ratio of 14.85, the valuation of GNW can be described as correct.
GNW's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.51. GNW is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 13.81, the valuation of GNW can be described as correct.
Based on the Price/Forward Earnings ratio, GNW is valued a bit more expensive than the industry average as 60.69% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.58, GNW is valued rather cheaply.
Industry RankSector Rank
PE 14.85
Fwd PE 13.81
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 86.21% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GNW indicates a slightly more expensive valuation: GNW is more expensive than 60.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.17
EV/EBITDA 3.48
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 -5.52% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.34%
EPS Next 3Y-5.52%

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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 (7/15/2025, 3:53:05 PM)

7.275

-0.11 (-1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners89.95%
Inst Owner Change0%
Ins Owners0.76%
Ins Owner Change7.47%
Market Cap3.02B
Analysts76.67
Price Target9.18 (26.19%)
Short Float %1.97%
Short Ratio1.06
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)5.88%
PT rev (3m)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.41%
EPS NY rev (1m)-33.57%
EPS NY rev (3m)-43.77%
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 14.85
Fwd PE 13.81
P/S 0.42
P/FCF 13.17
P/OCF 13.17
P/B 0.35
P/tB 0.35
EV/EBITDA 3.48
EPS(TTM)0.49
EY6.74%
EPS(NY)0.53
Fwd EY7.24%
FCF(TTM)0.55
FCFY7.59%
OCF(TTM)0.55
OCFY7.59%
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
WACC7.89%
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-29.9%
EPS Next 2Y-11.34%
EPS Next 3Y-5.52%
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%