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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

USA - NYSE:GNW - US37247D1063 - Common Stock

8.68 USD
+0.16 (+1.88%)
Last: 10/13/2025, 8:15:00 PM
8.68 USD
0 (0%)
After Hours: 10/13/2025, 8:15:00 PM
Fundamental Rating

2

Taking everything into account, GNW scores 2 out of 10 in our fundamental rating. GNW was compared to 145 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. GNW is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

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.
GNW had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

GNW has a Return On Assets of 0.22%. This is amonst the worse of the industry: GNW underperforms 81.38% of its industry peers.
Looking at the Return On Equity, with a value of 2.15%, GNW is doing worse than 81.38% of the companies in the same industry.
Industry RankSector Rank
ROA 0.22%
ROE 2.15%
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
GNW Yearly ROA, ROE, ROICGNW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 -4 6

1.3 Margins

With a Profit Margin value of 2.64%, GNW is not doing good in the industry: 77.24% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of GNW has declined.
GNW's Operating Margin of 5.73% is on the low side compared to the rest of the industry. GNW is outperformed by 74.48% of its industry peers.
GNW's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 5.73%
PM (TTM) 2.64%
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
GNW Yearly Profit, Operating, Gross MarginsGNW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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2

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
Compared to 1 year ago, GNW has about the same debt to assets ratio.
GNW Yearly Shares OutstandingGNW Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
GNW Yearly Total Debt VS Total AssetsGNW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

The Debt to FCF ratio of GNW is 6.67, which is on the high side as it means it would take GNW, 6.67 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.67, GNW is not doing good in the industry: 64.14% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.17 indicates that GNW is not too dependend on debt financing.
The Debt to Equity ratio of GNW (0.17) is better than 70.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.67
Altman-Z N/A
ROIC/WACCN/A
WACC7.74%
GNW Yearly LT Debt VS Equity VS FCFGNW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10M 20M 30M 40M 50M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 528.57% over the past year.
The Earnings Per Share has been decreasing by -4.65% on average over the past years.
Looking at the last year, GNW shows a decrease in Revenue. The Revenue has decreased by -1.21% in the last year.
GNW shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.09% yearly.
EPS 1Y (TTM)528.57%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-29.41%
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-0.33%

3.2 Future

The Earnings Per Share is expected to decrease by -10.29% on average over the next years. This is quite bad
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-40.3%
EPS Next 2Y-17.73%
EPS Next 3Y-10.29%
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.
GNW Yearly Revenue VS EstimatesGNW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
GNW Yearly EPS VS EstimatesGNW Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 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. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 19.73 indicates a rather expensive valuation of GNW.
Based on the Price/Earnings ratio, GNW is valued a bit more expensive than the industry average as 69.66% of the companies are valued more cheaply.
GNW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.35.
With a Price/Forward Earnings ratio of 19.14, GNW is valued on the expensive side.
GNW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GNW is more expensive than 68.28% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, GNW is valued at the same level.
Industry RankSector Rank
PE 19.73
Fwd PE 19.14
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

Based on the Enterprise Value to EBITDA ratio, GNW is valued a bit cheaper than 79.31% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GNW is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 15.63
EV/EBITDA 4.94
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 -10.29% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.73%
EPS Next 3Y-10.29%

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0

5. Dividend

5.1 Amount

No dividends for GNW!.
Industry RankSector Rank
Dividend Yield N/A

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GENWORTH FINANCIAL INC

NYSE:GNW (10/13/2025, 8:15:00 PM)

After market: 8.68 0 (0%)

8.68

+0.16 (+1.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners92.25%
Inst Owner Change0%
Ins Owners0.75%
Ins Owner Change0.35%
Market Cap3.56B
Analysts80
Price Target9.69 (11.64%)
Short Float %1.64%
Short Ratio1.26
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)-12.36%
Min EPS beat(2)-38.41%
Max EPS beat(2)13.7%
EPS beat(4)1
Avg EPS beat(4)-31.43%
Min EPS beat(4)-100%
Max EPS beat(4)13.7%
EPS beat(8)2
Avg EPS beat(8)-61.37%
EPS beat(12)4
Avg EPS beat(12)-33.04%
EPS beat(16)7
Avg EPS beat(16)-16.55%
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)5.56%
EPS NQ rev (1m)-46.34%
EPS NQ rev (3m)-48.11%
EPS NY rev (1m)-22.05%
EPS NY rev (3m)-14.84%
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 19.73
Fwd PE 19.14
P/S 0.5
P/FCF 15.63
P/OCF 15.63
P/B 0.41
P/tB 0.41
EV/EBITDA 4.94
EPS(TTM)0.44
EY5.07%
EPS(NY)0.45
Fwd EY5.22%
FCF(TTM)0.56
FCFY6.4%
OCF(TTM)0.56
OCFY6.4%
SpS17.46
BVpS21.41
TBVpS20.96
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 2.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 5.73%
PM (TTM) 2.64%
GM N/A
FCFM 3.18%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 6.67
Debt/EBITDA 2.33
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 34.97%
Profit Quality 120.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.74%
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)528.57%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%-29.41%
EPS Next Y-40.3%
EPS Next 2Y-17.73%
EPS Next 3Y-10.29%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-0.33%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y65.06%
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-76.9%
FCF growth 3Y-41.39%
FCF growth 5Y-46.87%
OCF growth 1Y-76.9%
OCF growth 3Y-41.39%
OCF growth 5Y-46.87%