GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GNW - US37247D1063 - Common Stock
8.3 USD
-0.11 (-1.31%)
8.3 USD
0 (0%)
Taking everything into account, GNW scores 2 out of 10 in our fundamental rating. GNW was compared to 146 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.
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
- Looking at the Return On Assets, with a value of 0.25%, GNW is doing worse than 82.19% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 2.50%, GNW is doing worse than 80.14% 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
- Looking at the Profit Margin, with a value of 3.05%, GNW is doing worse than 74.66% of the companies in the same industry.
- GNW's Profit Margin has declined in the last couple of years.
- The Operating Margin of GNW (5.47%) is worse than 72.60% of its industry peers.
- 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.
- Compared to 1 year ago, GNW has less shares outstanding
- Compared to 5 years ago, GNW has less shares outstanding
- The debt/assets ratio for GNW has remained at the same level compared to a year ago.
2.2 Solvency
- GNW has a debt to FCF ratio of 9.87. This is a negative value and a sign of low solvency as GNW would need 9.87 years to pay back of 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 69.18% 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 71.23% 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
WACC7.76%
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.
- The Earnings Per Share has been decreasing by -4.65% on average over the past years.
- GNW shows a decrease in Revenue. In the last year, the revenue decreased by -0.30%.
- 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
- GNW is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.18% yearly.
- 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
- A Price/Earnings ratio of 15.66 indicates a correct valuation of GNW.
- GNW's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of GNW to the average of the S&P500 Index (27.54), we can say GNW is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 18.10, GNW is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, GNW is valued a bit more expensive than 67.81% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of GNW to the average of the S&P500 Index (24.31), we can say GNW is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.66 | ||
| Fwd PE | 18.1 |
4.2 Price Multiples
- GNW's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GNW is cheaper than 79.45% of the companies in the same industry.
- 65.07% of the companies in the same industry are cheaper than GNW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.53 | ||
| EV/EBITDA | 4.44 |
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% |
8.3
-0.11 (-1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-16 2026-02-16/amc
Inst Owners89.89%
Inst Owner Change0.04%
Ins Owners0.76%
Ins Owner Change-1.39%
Market Cap3.31B
Revenue(TTM)7.20B
Net Income(TTM)220.00M
Analysts80
Price Target10.2 (22.89%)
Short Float %1.97%
Short Ratio1.83
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)0%
EPS NQ rev (3m)-16.07%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.81%
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 | 15.66 | ||
| Fwd PE | 18.1 | ||
| P/S | 0.46 | ||
| P/FCF | 21.53 | ||
| P/OCF | 21.53 | ||
| P/B | 0.38 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 4.44 |
EPS(TTM)0.53
EY6.39%
EPS(NY)0.46
Fwd EY5.52%
FCF(TTM)0.39
FCFY4.65%
OCF(TTM)0.39
OCFY4.65%
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
WACC7.76%
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 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 15.66 and the Price/Book (PB) ratio is 0.38.
What is the financial health of GENWORTH FINANCIAL INC (GNW) stock?
The financial health rating of GENWORTH FINANCIAL INC (GNW) is 2 / 10.