GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GNW - US37247D1063 - Common Stock
8.49 USD
-0.31 (-3.52%)
8.49 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to GNW. GNW was compared to 146 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.
In the past year GNW had a positive cash flow from operations.
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 Return On Assets of 0.25%. This is amonst the worse of the industry: GNW underperforms 82.19% of its industry peers.
GNW has a Return On Equity of 2.50%. This is amonst the worse of the industry: GNW underperforms 80.14% of its industry peers.
| 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 74.66% of its industry peers.
GNW's Profit Margin has declined in the last couple of years.
GNW has a worse Operating Margin (5.47%) than 72.60% of its industry peers.
GNW's Operating Margin has declined in the last couple of years.
| 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
The number of shares outstanding for GNW has been reduced compared to 5 years ago.
Compared to 1 year ago, GNW has about the same debt to assets ratio.
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.
The Debt to FCF ratio of GNW (9.87) is worse than 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.
GNW has a Debt to Equity ratio of 0.17. This is in the better half of the industry: GNW outperforms 71.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 9.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.8%
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.
Measured over the past years, GNW shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.65% on average per year.
GNW shows a decrease in Revenue. In the last year, the revenue decreased by -0.30%.
GNW shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.09% yearly.
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
Based on estimates for the next years, GNW will show a decrease in Earnings Per Share. The EPS will decrease by -9.18% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.02 indicates a correct valuation of GNW.
Based on the Price/Earnings ratio, GNW is valued a bit more expensive than the industry average as 61.64% of the companies are valued more cheaply.
GNW is valuated rather cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 18.52, the valuation of GNW can be described as rather expensive.
Based on the Price/Forward Earnings ratio, GNW is valued a bit more expensive than the industry average as 70.55% of the companies are valued more cheaply.
GNW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.02 | ||
| Fwd PE | 18.52 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than the industry average as 78.77% of the companies are valued more expensively.
65.75% 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 | 22.02 | ||
| EV/EBITDA | 4.76 |
4.3 Compensation for Growth
GNW's earnings are expected to decrease with -9.18% in the coming years. This may justify a cheaper valuation.
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% |
8.49
-0.31 (-3.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners89.89%
Inst Owner Change0.04%
Ins Owners0.76%
Ins Owner Change-1.39%
Market Cap3.39B
Revenue(TTM)7.20B
Net Income(TTM)220.00M
Analysts80
Price Target10.2 (20.14%)
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 | 16.02 | ||
| Fwd PE | 18.52 | ||
| P/S | 0.47 | ||
| P/FCF | 22.02 | ||
| P/OCF | 22.02 | ||
| P/B | 0.38 | ||
| P/tB | 0.39 | ||
| EV/EBITDA | 4.76 |
EPS(TTM)0.53
EY6.24%
EPS(NY)0.46
Fwd EY5.4%
FCF(TTM)0.39
FCFY4.54%
OCF(TTM)0.39
OCFY4.54%
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
WACC7.8%
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 16.02 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.