GENWORTH FINANCIAL INC (GNW)
US37247D1063 - Common Stock
Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 141 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. 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.
GNW had a positive operating cash flow in the past year.
In the past 5 years GNW has always been profitable.
In the past 5 years GNW always reported a positive cash flow from operatings.
1.2 Ratios
GNW has a worse Return On Assets (0.04%) than 75.54% of its industry peers.
GNW's Return On Equity of 0.38% is on the low side compared to the rest of the industry. GNW is outperformed by 75.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.04% | ||
| ROE | 0.38% | ||
| ROIC | N/A |
ROA(3y)0.56%
ROA(5y)0.44%
ROE(3y)4.94%
ROE(5y)3.68%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GNW has a worse Profit Margin (0.44%) than 74.82% of its industry peers.
In the last couple of years the Profit Margin of GNW has declined.
The Operating Margin of GNW (3.43%) is worse than 75.54% of its industry peers.
In the last couple of years the Operating Margin of GNW has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.43% | ||
| PM (TTM) | 0.44% | ||
| GM | N/A |
OM growth 3Y-36.26%
OM growth 5Y-6.67%
PM growth 3Y-21.53%
PM growth 5Y-7.18%
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
Compared to 1 year ago, GNW has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GNW is 7.05, which is on the high side as it means it would take GNW, 7.05 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.05, GNW is doing worse than 66.91% of the companies in the same industry.
GNW has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of GNW (0.18) is better than 73.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 7.05 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GNW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -92.71%.
GNW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.00% yearly.
The Revenue has decreased by -2.70% in the past year.
Measured over the past years, GNW shows a decrease in Revenue. The Revenue has been decreasing by -1.50% on average per year.
EPS 1Y (TTM)-92.71%
EPS 3Y-22.21%
EPS 5Y-7%
EPS Q2Q%-41.38%
Revenue 1Y (TTM)-2.7%
Revenue growth 3Y-4.03%
Revenue growth 5Y-1.5%
Sales Q2Q%-3.28%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
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
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 102.14, which means the current valuation is very expensive for GNW.
GNW's Price/Earnings ratio is rather expensive when compared to the industry. GNW is more expensive than 82.73% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 31.73. GNW is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 7.64 indicates a rather cheap valuation of GNW.
Based on the Price/Forward Earnings ratio, GNW is valued a bit cheaper than 72.66% of the companies in the same industry.
GNW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 102.14 | ||
| Fwd PE | 7.64 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than the industry average as 76.98% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, GNW is valued a bit more expensive than 62.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.91 | ||
| EV/EBITDA | 5.32 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for GNW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
GENWORTH FINANCIAL INC
NYSE:GNW (10/14/2024, 8:04:00 PM)
After market: 7.15 0 (0%)7.15
-0.02 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.09B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 102.14 | ||
| Fwd PE | 7.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.04% | ||
| ROE | 0.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 3.43% | ||
| PM (TTM) | 0.44% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-92.71%
EPS 3Y-22.21%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.7%
Revenue growth 3Y-4.03%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y