A Business at a Glance
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GENWORTH FINANCIAL INC
GNW
$4.1B
Mkt Cap
$9.92
+0.10%
GENWORTH FINANCIAL INC (GNW) has a current P/E ratio of 18.4, compared to its historical median P/E of 10.2. The stock is currently considered Fair based on its historical valuation range.
GENWORTH FINANCIAL INC (GNW) has a 5-year average return on invested capital (ROIC) of 5.6%. This is below average and may indicate limited pricing power.
GENWORTH FINANCIAL INC (GNW) has a market capitalization of $3.8B. It is classified as a mid-cap stock.
GENWORTH FINANCIAL INC (GNW) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 7.04%.
Based on historical P/E analysis, GENWORTH FINANCIAL INC (GNW) appears fair. The current P/E of 18.4 is 79% above its historical median of 10.2. The estimated fair value CAGR (P/E method) is 0.9%.
GENWORTH FINANCIAL INC (GNW) operates in the Life Insurance industry, within the Financials sector.
GENWORTH FINANCIAL INC (GNW) reported annual revenue of $7.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
Item 1. Business Genworth Financial offers mortgage insurance products through its principal mortgage insurance subsidiaries. Genworth Financial also has start-up businesses whereby it offers fee-based services, advice, consulting and other aging-care services through CareScout Services and long-term care insurance products through CareScout Insurance. In October 2025, Genworth Financial began selling an individual long-term care insurance product through its CareScout Insurance subsidiary, CareScout Insurance Company, and ceased sales of long-term care insurance products through Genworth Life Insurance Company (“GLIC”). GLIC and its subsidiaries, which are wholly-owned subsidiaries of Genworth Financial and are referred to together as “Closed Block” or our “legacy insurance subsidiaries,” no longer offer or sell long-term care insurance, life insurance or annuity products.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 7.3B | 7.3B | 7.3B | 7.5B | 7.5B | 7.8B |
| Net Income | 216M | 223M | 299M | 76M | 916M | 850M |
| EPS | $0.54 | $0.54 | $0.68 | $0.16 | $1.79 | $1.65 |
| Free Cash Flow | 0 | 327M | 88M | 597M | 1.0B | 437M |
| ROIC | 0.0% | 2.2% | 3.1% | 0.8% | 14.4% | 7.7% |
| Gross Margin | - | 5.9% | 8.2% | 4.0% | 18.2% | 14.2% |
| Debt/Equity | 0.71 | 0.72 | 0.76 | 0.91 | 0.92 | 4.34 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 0 | 433M | 595M | 41M | 818M | 474M |
| Operating Margin | 0.0% | 5.9% | 8.2% | 0.5% | 10.9% | 6.1% |
| ROE | 2.5% | 2.6% | 3.8% | 1.0% | 19.9% | 10.1% |
| Shares Outstanding | 385M | 413M | 440M | 475M | 512M | 515M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 8.7B | 8.5B | 8.4B | 7.5B | 7.9B | 7.7B | 8.3B | 7.8B | 7.5B | 7.5B | 7.3B | 7.3B | 7.3B |
| Gross Margin | -14.9% | N/A | 3.8% | 1.7% | 1.7% | 6.8% | 11.2% | 14.2% | 18.2% | 4.0% | 8.2% | 5.9% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 1.1B | 1.3B | 1.3B | 957M | 943M | 909M | 935M | 998M | 1.3B | 942M | 977M | 1.0B | 986M |
| EBIT | -398M | 255M | -316M | 530M | -57M | 355M | 310M | 474M | 818M | 41M | 595M | 433M | 0 |
| Op. Margin | -4.6% | 3.0% | -3.8% | 7.1% | -0.7% | 4.6% | 3.7% | 6.1% | 10.9% | 0.5% | 8.2% | 5.9% | 0.0% |
| Net Income | -1.2B | -615M | -277M | 817M | 119M | 343M | 178M | 850M | 916M | 76M | 299M | 223M | 216M |
| Net Margin | -14.3% | -7.2% | -3.3% | 10.9% | 1.5% | 4.5% | 2.1% | 10.9% | 12.2% | 1.0% | 4.1% | 3.1% | 3.0% |
| Non-Recurring | 849M | -133M | 48M | 1.0M | 2.0M | 4.0M | 8.0M | 34M | 2.0M | 4.0M | 12M | 0 | -1.0M |
| Returns on Capital | |||||||||||||
| ROIC | -6.4% | -3.3% | -1.6% | 4.7% | 0.7% | 2.0% | 1.0% | 7.7% | 14.4% | 0.8% | 3.1% | 2.2% | 0.0% |
| ROE | -8.5% | -4.4% | -2.2% | 6.3% | 0.9% | 2.6% | 1.2% | 10.1% | 19.9% | 1.0% | 3.8% | 2.6% | 2.5% |
| ROA | -1.1% | -0.6% | -0.3% | 0.8% | 0.1% | 0.3% | 0.2% | 0.8% | 1.0% | 0.1% | 0.3% | 0.3% | 0.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 2.4B | 1.6B | 1.9B | 2.6B | 1.6B | 2.1B | 2.0B | 437M | 1.0B | 597M | 88M | 327M | 384M |
| Free Cash Flow | 2.4B | 1.6B | 1.9B | 2.6B | 1.6B | 2.1B | 2.0B | 437M | 1.0B | 597M | 88M | 327M | 0 |
| Owner Earnings | 2.3B | 1.5B | 1.8B | 2.4B | 1.5B | 2.0B | 1.9B | 350M | 974M | 514M | -212M | 38M | 96M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 70M | 64M | 17M | 91M | 72M | 44M | 26M | 47M | 38M | 34M | 249M | 231M | 226M |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 70M | 64M | 17M | 91M | 72M | 44M | 26M | 47M | 38M | 34M | 249M | 231M | 226M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64M | 296M | 189M | 247M | 269M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.4% | 9.2% | 6.2% | 6.5% | 7.0% |
| Stock-Based Comp | 28M | 16M | 32M | 31M | 35M | 26M | 39M | 40M | 37M | 49M | 51M | 58M | 62M |
| Debt Repayment | 621M | 120M | 382M | 0 | 600M | 446M | 490M | 1.5B | 297M | 32M | 824M | 7.0M | 7.0M |
| Balance Sheet | |||||||||||||
| Net Debt | -61.1B | -59.6B | -59.2B | -61.2B | -53.9B | -60.3B | -57.8B | -55.2B | -41.4B | -42.2B | -40.5B | 4.2B | 4.2B |
| Cash & Equiv. | 4.6B | 6.0B | 2.8B | 2.9B | 2.0B | 3.3B | 1.0B | 1.6B | 1.8B | 2.2B | 2.0B | 2.0B | 2.1B |
| Long-Term Debt | 4.6B | 4.6B | 4.2B | 4.2B | 3.7B | 3.3B | 3.4B | 1.9B | 1.6B | 1.6B | 1.5B | 1.5B | 1.5B |
| Debt/Equity | 0.31 | 0.36 | 0.33 | 0.31 | 0.30 | 0.23 | 0.44 | 4.34 | 0.92 | 0.91 | 0.76 | 0.72 | 0.71 |
| Interest Coverage | -0.9 | 0.6 | -0.9 | 2.0 | -0.2 | 1.5 | 1.6 | 3.0 | 7.7 | 0.3 | 5.2 | 4.1 | 4.1 |
| Equity | 14.9B | 12.8B | 12.6B | 13.4B | 12.4B | 14.2B | 15.3B | 1.6B | 7.6B | 7.5B | 8.4B | 8.8B | 8.8B |
| Total Assets | 111.3B | 106.4B | 104.7B | 105.3B | 100.9B | 101.3B | 105.7B | 99.2B | 89.7B | 90.8B | 86.8B | 88.1B | 86.8B |
| Total Liabilities | 94.5B | 91.8B | 90.2B | 90.0B | 86.7B | 86.7B | 89.9B | 82.9B | 81.3B | 82.5B | 77.4B | 78.3B | 76.9B |
| Intangibles | 272M | 343M | 334M | 0 | 0 | 0 | 157M | 143M | 203M | 198M | 197M | 0 | 0 |
| Retained Earnings | 1.2B | 564M | 287M | 1.1B | 1.1B | 1.5B | 1.6B | 2.5B | 1.1B | 1.2B | 1.5B | 1.7B | 1.7B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | -2.51 | -1.24 | -0.56 | 1.63 | 0.24 | 0.67 | 0.35 | 1.65 | 1.79 | 0.16 | 0.68 | 0.54 | 0.54 |
| Owner EPS | 4.72 | 3.05 | 3.69 | 4.85 | 3.08 | 3.92 | 3.73 | 0.68 | 1.90 | 1.08 | -0.48 | 0.09 | 0.25 |
| Book Value | 30.11 | 25.86 | 25.56 | 26.77 | 25.11 | 27.71 | 30.12 | 3.06 | 14.91 | 15.75 | 19.20 | 21.19 | 22.88 |
| Cash Flow/Share | 4.92 | 3.21 | 3.78 | 5.10 | 3.29 | 4.06 | 3.85 | 0.85 | 2.05 | 1.26 | 0.20 | 0.79 | 1.15 |
| Dividends/Share | 0.00 | 0.00 | 0.00 | 0.00 | N/A | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 495.6M | 496.0M | 494.6M | 501.2M | 495.8M | 511.9M | 508.6M | 515.2M | 511.7M | 475.0M | 439.7M | 413.0M | 385.2M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | 1.9 | 19.2 | 6.5 | 11.9 | 2.5 | 2.9 | 42.4 | 10.2 | 16.9 | 18.4 |
| P/FCF | 1.7 | 1.2 | 1.0 | 0.6 | 1.4 | 1.1 | 1.1 | 4.8 | 2.5 | 5.4 | 34.8 | 11.5 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.3 | 0.1 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | N/A | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 |
| Price/Sales | 0.8 | 0.4 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.3 | 0.4 | 0.4 | 0.4 | 0.5 |
| FCF Yield | 58.6% | 84.6% | 97.8% | 162.3% | 71.6% | 93.1% | 92.6% | 20.6% | 39.3% | 18.5% | 2.9% | 8.7% | N/A |
| Market Cap | 4.2B | 1.9B | 1.9B | 1.6B | 2.3B | 2.2B | 2.1B | 2.1B | 2.7B | 3.2B | 3.1B | 3.8B | 3.8B |
| Avg. Price | 14.68 | 6.56 | 3.51 | 3.67 | 3.82 | 4.08 | 3.51 | 3.76 | 4.14 | 5.71 | 6.56 | 7.72 | 9.92 |
| Year-End Price | 8.39 | 3.79 | 3.87 | 3.14 | 4.60 | 4.36 | 4.16 | 4.11 | 5.22 | 6.78 | 6.97 | 9.14 | 9.92 |
GENWORTH FINANCIAL INC passes 2 of 9 quality checks, indicating weak fundamentals.
GENWORTH FINANCIAL INC trades at 18.4x trailing earnings, compared to its 15-year median P/E of 10.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.5x vs a median of 2.0x. The company's 5-year average ROIC is 5.6% with a gross margin of 10.1%. Total shareholder yield (buybacks) is 7.0%. At current prices, the estimated annualized return to fair value is -27.2%.
GENWORTH FINANCIAL INC (GNW) has a net profit margin of 3.1%. This is a modest margin.
GENWORTH FINANCIAL INC (GNW) generated $327 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
GENWORTH FINANCIAL INC (GNW) has a debt-to-equity ratio of 0.72. This indicates moderate leverage.
GENWORTH FINANCIAL INC (GNW) reported earnings per share (EPS) of $0.54 in its most recent fiscal year.
GENWORTH FINANCIAL INC (GNW) has a return on equity (ROE) of 2.6%. This indicates moderate shareholder returns.
GENWORTH FINANCIAL INC (GNW) has a 5-year average gross margin of 10.1%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 19 years of financial data for GENWORTH FINANCIAL INC (GNW), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
GENWORTH FINANCIAL INC (GNW) has a book value per share of $21.19, based on its most recent annual SEC filing.