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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

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

8.31  +0.16 (+1.96%)

After market: 8.31 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GNW. GNW was compared to 143 industry peers in the Insurance industry. GNW has a bad profitability rating. Also its financial health evaluation is rather negative. 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

GNW had positive earnings in the past year.
In the past year GNW had a positive cash flow from operations.
Each year in the past 5 years GNW has 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

The Return On Assets of GNW (0.22%) is worse than 79.72% of its industry peers.
Looking at the Return On Equity, with a value of 2.15%, GNW is doing worse than 77.62% of the companies in the same industry.
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's Profit Margin of 2.64% is on the low side compared to the rest of the industry. GNW is outperformed by 74.13% of its industry peers.
GNW's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 5.73%, GNW is not doing good in the industry: 70.63% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of GNW has declined.
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.
Compared to 1 year ago, GNW has less shares outstanding
GNW has less shares outstanding than it did 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

The Debt to FCF ratio of GNW is 6.67, which is on the high side as it means it would take GNW, 6.67 years of fcf income to pay off all of its debts.
GNW's Debt to FCF ratio of 6.67 is on the low side compared to the rest of the industry. GNW is outperformed by 66.43% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that GNW is not too dependend on debt financing.
GNW's Debt to Equity ratio of 0.17 is fine compared to the rest of the industry. GNW outperforms 72.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.67
Altman-Z N/A
ROIC/WACCN/A
WACC7.87%
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.
The Earnings Per Share has been decreasing by -4.65% on average over the past years.
The Revenue has decreased by -1.21% in the past year.
The Revenue has been decreasing by -1.09% on average over the past years.
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

Based on estimates for the next years, GNW will show a decrease in Earnings Per Share. The EPS will decrease by -5.52% on average per year.
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

The Price/Earnings ratio is 18.89, which indicates a rather expensive current valuation of GNW.
GNW's Price/Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 65.73% of the companies in the same industry.
GNW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.78, which indicates a correct valuation of GNW.
63.64% of the companies in the same industry are cheaper than GNW, based on the Price/Forward Earnings ratio.
GNW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.04.
Industry RankSector Rank
PE 18.89
Fwd PE 15.78
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 the industry average as 78.32% of the companies are valued more expensively.
GNW's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.11
EV/EBITDA 4.76
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

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

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GENWORTH FINANCIAL INC

NYSE:GNW (8/8/2025, 8:04:00 PM)

After market: 8.31 0 (0%)

8.31

+0.16 (+1.96%)

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 Change-0.46%
Ins Owners0.76%
Ins Owner Change7.53%
Market Cap3.44B
Analysts76.67
Price Target9.69 (16.61%)
Short Float %1.99%
Short Ratio1.09
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)5.56%
PT rev (3m)18.75%
EPS NQ rev (1m)-13.99%
EPS NQ rev (3m)-50%
EPS NY rev (1m)1.09%
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 18.89
Fwd PE 15.78
P/S 0.48
P/FCF 15.11
P/OCF 15.11
P/B 0.39
P/tB 0.4
EV/EBITDA 4.76
EPS(TTM)0.44
EY5.29%
EPS(NY)0.53
Fwd EY6.34%
FCF(TTM)0.55
FCFY6.62%
OCF(TTM)0.55
OCFY6.62%
SpS17.29
BVpS21.2
TBVpS20.76
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
WACC7.87%
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-29.9%
EPS Next 2Y-11.34%
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%