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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

USA - NYSE:GNW - US37247D1063 - Common Stock

8.945 USD
-0.08 (-0.94%)
Last: 9/22/2025, 12:09:03 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GNW. GNW was compared to 146 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. GNW is valued expensive and it does not seem to be growing.


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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.22%, GNW is doing worse than 78.77% of the companies in the same industry.
GNW's Return On Equity of 2.15% is on the low side compared to the rest of the industry. GNW is outperformed by 78.77% of its industry peers.
Industry RankSector 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
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 2.64%. This is in the lower half of the industry: GNW underperforms 76.03% of its industry peers.
In the last couple of years the Profit Margin of GNW has declined.
GNW's Operating Margin of 5.73% is on the low side compared to the rest of the industry. GNW is outperformed by 72.60% of its industry peers.
GNW's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 6.67. 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.
The Debt to FCF ratio of GNW (6.67) is worse than 65.07% of its industry peers.
GNW has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.17, GNW is doing good in the industry, outperforming 70.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.67
Altman-Z N/A
ROIC/WACCN/A
WACC7.83%
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 528.57%, 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.
The Revenue has decreased by -1.21% 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)528.57%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-29.41%
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-0.33%

3.2 Future

The Earnings Per Share is expected to decrease by -5.52% 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-23.42%
EPS Next 2Y-10.66%
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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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 20.33, the valuation of GNW can be described as rather expensive.
GNW's Price/Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 69.18% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.38, GNW is valued a bit cheaper.
With a Price/Forward Earnings ratio of 16.73, GNW is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GNW indicates a slightly more expensive valuation: GNW is more expensive than 64.38% of the companies listed in the same industry.
GNW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.86.
Industry RankSector Rank
PE 20.33
Fwd PE 16.73
GNW Price Earnings VS Forward Price EarningsGNW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

GNW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GNW is cheaper than 78.77% of the companies in the same industry.
GNW's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 16.1
EV/EBITDA 5.26
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-10.66%
EPS Next 3Y-5.52%

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0

5. Dividend

5.1 Amount

No dividends for GNW!.
Industry RankSector Rank
Dividend Yield N/A

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GENWORTH FINANCIAL INC

NYSE:GNW (9/22/2025, 12:09:03 PM)

8.945

-0.08 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)11-04 2025-11-04/amc
Inst Owners89.56%
Inst Owner Change0.92%
Ins Owners0.76%
Ins Owner Change0.35%
Market Cap3.67B
Analysts76.67
Price Target9.69 (8.33%)
Short Float %1.39%
Short Ratio1.05
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)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)0%
PT rev (3m)5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.3%
EPS NY rev (1m)0%
EPS NY rev (3m)10.43%
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 20.33
Fwd PE 16.73
P/S 0.51
P/FCF 16.1
P/OCF 16.1
P/B 0.42
P/tB 0.43
EV/EBITDA 5.26
EPS(TTM)0.44
EY4.92%
EPS(NY)0.53
Fwd EY5.98%
FCF(TTM)0.56
FCFY6.21%
OCF(TTM)0.56
OCFY6.21%
SpS17.46
BVpS21.41
TBVpS20.96
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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
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 6.67
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
WACC7.83%
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)528.57%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-29.41%
EPS Next Y-23.42%
EPS Next 2Y-10.66%
EPS Next 3Y-5.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-0.33%
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%