GENWORTH FINANCIAL INC (GNW) Fundamental Analysis & Valuation

NYSE:GNW • US37247D1063

8.25 USD
-0.09 (-1.08%)
At close: Mar 11, 2026
8.25 USD
0 (0%)
After Hours: 3/11/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This GNW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to GNW. GNW was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of GNW have multiple concerns. GNW does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

2

1. GNW Profitability Analysis

1.1 Basic Checks

  • In the past year GNW was profitable.
  • GNW had a positive operating cash flow in the past year.
  • GNW had positive earnings in each of the past 5 years.
  • Of the past 5 years GNW 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • With a Return On Assets value of 0.25%, GNW is not doing good in the industry: 77.18% of the companies in the same industry are doing better.
  • GNW's Return On Equity of 2.50% is on the low side compared to the rest of the industry. GNW is outperformed by 79.19% of its industry peers.
Industry RankSector Rank
ROA 0.25%
ROE 2.5%
ROIC N/A
ROA(3y)0.23%
ROA(5y)0.45%
ROE(3y)2.36%
ROE(5y)4.18%
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 2025 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 71.81% of its industry peers.
  • GNW's Profit Margin has improved in the last couple of years.
  • The Operating Margin of GNW (5.47%) is worse than 74.50% 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-20.13%
OM growth 5Y-11.53%
PM growth 3Y-27.78%
PM growth 5Y7.3%
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 2025 0 5 10 15

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2

2. GNW Health Analysis

2.1 Basic Checks

  • GNW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GNW has been reduced compared to 1 year ago.
  • The number of shares outstanding for GNW has been reduced compared to 5 years ago.
  • Compared to 1 year ago, GNW has an improved debt to assets ratio.
GNW Yearly Shares OutstandingGNW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • The Debt to FCF ratio of GNW is 9.87, which is on the high side as it means it would take GNW, 9.87 years of fcf income to pay off all of its debts.
  • GNW has a Debt to FCF ratio of 9.87. This is in the lower half of the industry: GNW underperforms 68.46% 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 72.48% of its industry peers.
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 2025 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. GNW Growth Analysis

3.1 Past

  • GNW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.15%.
  • GNW shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.54% yearly.
  • The Revenue has been growing slightly by 0.26% in the past year.
  • Measured over the past years, GNW shows a decrease in Revenue. The Revenue has been decreasing by -2.50% on average per year.
EPS 1Y (TTM)-20.15%
EPS 3Y-23.39%
EPS 5Y9.54%
EPS Q2Q%-100%
Revenue 1Y (TTM)0.26%
Revenue growth 3Y-0.93%
Revenue growth 5Y-2.5%
Sales Q2Q%0%

3.2 Future

  • GNW is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.65% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-14.1%
EPS Next 2Y-2.65%
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

  • 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 2025 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. GNW Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.28, the valuation of GNW can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of GNW indicates a slightly more expensive valuation: GNW is more expensive than 65.77% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.15, GNW is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 17.95, which indicates a rather expensive current valuation of GNW.
  • 71.81% 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 valuation a bit cheaper than the S&P500 average which is at 24.27.
Industry RankSector Rank
PE 15.28
Fwd PE 17.95
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

  • 78.52% of the companies in the same industry are more expensive than GNW, based on the Enterprise Value to EBITDA ratio.
  • GNW's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GNW is more expensive than 65.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.76
EV/EBITDA 4.26
GNW Per share dataGNW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • A cheap valuation may be justified as GNW's earnings are expected to decrease with -2.65% in the coming years.
PEG (NY)N/A
PEG (5Y)1.6
EPS Next 2Y-2.65%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. GNW Dividend Analysis

5.1 Amount

  • No dividends for GNW!.
Industry RankSector Rank
Dividend Yield 0%

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GNW Fundamentals: All Metrics, Ratios and Statistics

GENWORTH FINANCIAL INC

NYSE:GNW (3/11/2026, 8:04:00 PM)

After market: 8.25 0 (0%)

8.25

-0.09 (-1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)04-28
Inst Owners88.45%
Inst Owner Change-0.71%
Ins Owners0.84%
Ins Owner Change6.45%
Market Cap3.20B
Revenue(TTM)7.21B
Net Income(TTM)220.00M
Analysts80
Price Target10.2 (23.64%)
Short Float %1.86%
Short Ratio1.87
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)27.66%
EPS NY rev (1m)0.22%
EPS NY rev (3m)0.22%
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 15.28
Fwd PE 17.95
P/S 0.44
P/FCF 20.76
P/OCF 20.76
P/B 0.36
P/tB 0.37
EV/EBITDA 4.26
EPS(TTM)0.54
EY6.55%
EPS(NY)0.46
Fwd EY5.57%
FCF(TTM)0.4
FCFY4.82%
OCF(TTM)0.4
OCFY4.82%
SpS18.58
BVpS22.73
TBVpS22.26
PEG (NY)N/A
PEG (5Y)1.6
Graham Number16.62
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)0.23%
ROA(5y)0.45%
ROE(3y)2.36%
ROE(5y)4.18%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-20.13%
OM growth 5Y-11.53%
PM growth 3Y-27.78%
PM growth 5Y7.3%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-20.15%
EPS 3Y-23.39%
EPS 5Y9.54%
EPS Q2Q%-100%
EPS Next Y-14.1%
EPS Next 2Y-2.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.26%
Revenue growth 3Y-0.93%
Revenue growth 5Y-2.5%
Sales Q2Q%0%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y64.85%
EBIT growth 3Y-20.87%
EBIT growth 5Y-13.75%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-25.96%
OCF growth 3YN/A
OCF growth 5YN/A

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 15.28 and the Price/Book (PB) ratio is 0.36.


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

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