GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GNW - US37247D1063 - Common Stock
8.86 USD
-0.09 (-1.01%)
8.86 USD
0 (0%)
Taking everything into account, GNW scores 2 out of 10 in our fundamental rating. GNW was compared to 147 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.
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.
Each year in the past 5 years GNW has been profitable.
In the past 5 years GNW always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.25%, GNW is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 2.50%, GNW is doing worse than 83.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 2.5% | ||
| 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
1.3 Margins
The Profit Margin of GNW (3.05%) is worse than 78.23% of its industry peers.
In the last couple of years the Profit Margin of GNW has declined.
Looking at the Operating Margin, with a value of 5.47%, GNW is doing worse than 74.15% of the companies in the same industry.
In the last couple of years the Operating Margin of GNW has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.47% | ||
| PM (TTM) | 3.05% | ||
| 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
2. Health
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.
Compared to 5 years ago, GNW has less shares outstanding
GNW has about the same debt/assets ratio as last year.
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 69.39% 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.
Looking at the Debt to Equity ratio, with a value of 0.17, GNW is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 9.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 165.00% over the past year.
GNW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.65% yearly.
Looking at the last year, GNW shows a decrease in Revenue. The Revenue has decreased by -0.30% in the last year.
The Revenue has been decreasing by -1.09% on average over the past years.
EPS 1Y (TTM)165%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%47.37%
Revenue 1Y (TTM)-0.3%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%3.9%
3.2 Future
The Earnings Per Share is expected to decrease by -9.18% 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-43.77%
EPS Next 2Y-17.27%
EPS Next 3Y-9.18%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.72, GNW is valued correctly.
63.95% of the companies in the same industry are cheaper than GNW, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.54. GNW is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 19.32, which indicates a rather expensive current valuation of GNW.
GNW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 72.79% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.78. GNW is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.72 | ||
| Fwd PE | 19.32 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than the industry average as 77.55% of the companies are valued more expensively.
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 67.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.98 | ||
| EV/EBITDA | 4.85 |
4.3 Compensation for Growth
A cheap valuation may be justified as GNW's earnings are expected to decrease with -9.18% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.27%
EPS Next 3Y-9.18%
5. Dividend
5.1 Amount
GNW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
8.86
-0.09 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners90.13%
Inst Owner Change-5.13%
Ins Owners0.76%
Ins Owner Change-1.33%
Market Cap3.54B
Revenue(TTM)7.20B
Net Income(TTM)220.00M
Analysts80
Price Target10.2 (15.12%)
Short Float %1.89%
Short Ratio1.67
Dividend
| Industry Rank | Sector 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)5.26%
EPS NQ rev (1m)-16.07%
EPS NQ rev (3m)-56.48%
EPS NY rev (1m)-5.81%
EPS NY rev (3m)-26.57%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.72 | ||
| Fwd PE | 19.32 | ||
| P/S | 0.49 | ||
| P/FCF | 22.98 | ||
| P/OCF | 22.98 | ||
| P/B | 0.4 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 4.85 |
EPS(TTM)0.53
EY5.98%
EPS(NY)0.46
Fwd EY5.18%
FCF(TTM)0.39
FCFY4.35%
OCF(TTM)0.39
OCFY4.35%
SpS18.04
BVpS22.06
TBVpS21.6
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.22
Profitability
| Industry Rank | Sector 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)0.37%
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC7.83%
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)165%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%47.37%
EPS Next Y-43.77%
EPS Next 2Y-17.27%
EPS Next 3Y-9.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.3%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%3.9%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y64.85%
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-81.97%
FCF growth 3Y-41.39%
FCF growth 5Y-46.87%
OCF growth 1Y-81.97%
OCF growth 3Y-41.39%
OCF growth 5Y-46.87%
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 of GENWORTH FINANCIAL INC (GNW) stock?
ChartMill assigns a valuation rating of 2 / 10 to GENWORTH FINANCIAL INC (GNW). This can be considered as Overvalued.
What is the profitability of GNW stock?
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 16.72 and the Price/Book (PB) ratio is 0.4.