GENWORTH FINANCIAL INC (GNW) Fundamental Analysis & Valuation

NYSE:GNW • US37247D1063

Current stock price

8.97 USD
-0.04 (-0.44%)
At close:
8.97 USD
0 (0%)
After Hours:

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

3

1. GNW Profitability Analysis

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 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: 78.91% of the companies in the same industry are doing better.
  • GNW has a Return On Equity of 2.55%. This is amonst the worse of the industry: GNW underperforms 82.99% of its industry peers.
Industry RankSector Rank
ROA 0.25%
ROE 2.55%
ROIC N/A
ROA(3y)0.23%
ROA(5y)0.45%
ROE(3y)2.37%
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 has a Profit Margin of 3.10%. This is in the lower half of the industry: GNW underperforms 76.19% of its industry peers.
  • GNW's Profit Margin has improved in the last couple of years.
  • GNW has a Operating Margin of 5.19%. This is in the lower half of the industry: GNW underperforms 78.91% of its industry peers.
  • In the last couple of years the Operating Margin of GNW has declined.
Industry RankSector Rank
OM 5.19%
PM (TTM) 3.1%
GM N/A
OM growth 3Y-29.25%
OM growth 5Y-17.74%
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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3

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.
  • Compared to 5 years ago, GNW has less shares outstanding
  • The debt/assets ratio for GNW has been reduced compared to a year ago.
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 4.63, which is a neutral value as it means it would take GNW, 4.63 years of fcf income to pay off all of its debts.
  • GNW has a Debt to FCF ratio of 4.63. This is in the lower half of the industry: GNW underperforms 64.63% 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.
  • The Debt to Equity ratio of GNW (0.17) is better than 70.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 4.63
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 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 2025 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.
  • GNW shows a small growth in Revenue. In the last year, the Revenue has grown by 0.26%.
  • 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 -7.73% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-20.33%
EPS Next 2Y-7.73%
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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

  • A Price/Earnings ratio of 16.61 indicates a correct valuation of GNW.
  • GNW's Price/Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 73.47% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.54. GNW is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 21.05, GNW is valued on the expensive side.
  • 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 76.19% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of GNW to the average of the S&P500 Index (21.68), we can say GNW is valued inline with the index average.
Industry RankSector Rank
PE 16.61
Fwd PE 21.05
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GNW indicates a somewhat cheap valuation: GNW is cheaper than 78.91% of the companies listed in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as GNW.
Industry RankSector Rank
P/FCF 10.63
EV/EBITDA 4.91
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 -7.73% in the coming years.
PEG (NY)N/A
PEG (5Y)1.74
EPS Next 2Y-7.73%
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 (4/29/2026, 8:19:27 PM)

After market: 8.97 0 (0%)

8.97

-0.04 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength41.61
Industry Growth43.48
Earnings (Last)02-23
Earnings (Next)05-05
Inst Owners91.19%
Inst Owner Change0.22%
Ins Owners0.9%
Ins Owner Change6.45%
Market Cap3.48B
Revenue(TTM)7.21B
Net Income(TTM)223.00M
Analysts80
Price Target10.71 (19.4%)
Short Float %1.94%
Short Ratio2.2
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)1
Avg EPS beat(2)181.35%
Min EPS beat(2)-91.75%
Max EPS beat(2)454.46%
EPS beat(4)2
Avg EPS beat(4)84.5%
Min EPS beat(4)-91.75%
Max EPS beat(4)454.46%
EPS beat(8)3
Avg EPS beat(8)36.21%
EPS beat(12)4
Avg EPS beat(12)-8.63%
EPS beat(16)7
Avg EPS beat(16)0.67%
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%
PT rev (3m)5%
EPS NQ rev (1m)4.66%
EPS NQ rev (3m)2.02%
EPS NY rev (1m)-7.25%
EPS NY rev (3m)-7.05%
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 16.61
Fwd PE 21.05
P/S 0.48
P/FCF 10.63
P/OCF 10.63
P/B 0.4
P/tB 0.41
EV/EBITDA 4.91
EPS(TTM)0.54
EY6.02%
EPS(NY)0.43
Fwd EY4.75%
FCF(TTM)0.84
FCFY9.41%
OCF(TTM)0.84
OCFY9.41%
SpS18.59
BVpS22.57
TBVpS22.06
PEG (NY)N/A
PEG (5Y)1.74
Graham Number16.5613 (84.63%)
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 2.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 5.19%
PM (TTM) 3.1%
GM N/A
FCFM 4.54%
ROA(3y)0.23%
ROA(5y)0.45%
ROE(3y)2.37%
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)0.46%
ROCE(5y)0.79%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-29.25%
OM growth 5Y-17.74%
PM growth 3Y-27.78%
PM growth 5Y7.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 4.63
Debt/EBITDA 2.5
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.7
Cash Conversion 54.05%
Profit Quality 146.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
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)320.53%
Profit Quality(5y)236.44%
High Growth Momentum
Growth
EPS 1Y (TTM)-20.15%
EPS 3Y-23.39%
EPS 5Y9.54%
EPS Q2Q%-100%
EPS Next Y-20.33%
EPS Next 2Y-7.73%
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 1Y-36.93%
EBIT growth 3Y-29.91%
EBIT growth 5Y-19.8%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y271.59%
FCF growth 3Y-32.2%
FCF growth 5Y-30.1%
OCF growth 1Y271.59%
OCF growth 3Y-32.2%
OCF growth 5Y-30.1%

GENWORTH FINANCIAL INC / GNW Fundamental Analysis 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.


How profitable is GENWORTH FINANCIAL INC (GNW) stock?

GENWORTH FINANCIAL INC (GNW) has a profitability rating of 3 / 10.


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

The financial health rating of GENWORTH FINANCIAL INC (GNW) is 3 / 10.