(GNW) Genworth Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US37247D1063

Mortgage Insurance, Long-Term Care Insurance, Life Insurance, Annuities

Life & Health Insurance
Market Cap in USD: 3,694m

IPO / Inception: 2004-05-25
12m vs SPY: 4.0%

EPS (Earnings per Share)

EPS CAGR: -11.70%
EPS Trend: -39.4%

Last SUE: -0.67
Qual. Beats: 0

Revenue

Rev. CAGR: -0.56%
Rev. Trend: -54.6%

Last SUE: 0.83
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	25.8%
Value at Risk 5%th	41.6%
Relative Tail Risk	-2.10%

Reward TTM
Sharpe Ratio	0.71
Alpha	8.80
CAGR/Max DD	0.64

Character TTM
Hurst Exponent	0.467
Beta	0.894
Beta Downside	0.989

Drawdowns 3y
Max DD	26.09%
Mean DD	7.67%
Median DD	7.45%

Description: GNW Genworth Financial January 11, 2026

Genworth Financial Inc. (NYSE:GNW) offers mortgage-related products, long-term care (LTC) insurance, and life-and-annuity solutions through its Enact, LTC Insurance, and Life & Annuities segments, respectively. Distribution is handled via a traditional sales force, independent representatives, and digital channels. The firm, founded in 1871, is headquartered in Richmond, Virginia.

As of the latest quarter (Q3 2024), Genworth reported a combined ratio of 115% for its LTC business, reflecting persistent underwriting losses, while its life-and-annuity segment generated a modest 3.2% net investment yield on a $12 billion investment portfolio. The companys risk-based capital ratio sits near 140%, comfortably above the NAIC minimum but indicating limited headroom for additional underwriting expansion.

Key drivers for Genworth include the U.S. aging demographic-beneficiaries aged 65+ are projected to grow from 16% to 22% of the population by 2035-fueling demand for LTC coverage, and the prevailing low-interest-rate environment, which compresses investment income and pressures pricing in both LTC and annuity products. Regulatory scrutiny over LTC reserve adequacy also adds volatility to earnings.

For a deeper, data-rich analysis of GNW’s valuation dynamics, you might find ValueRay’s platform worth a quick look.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (220.0m TTM) > 0 and > 6% of Revenue (6% = 426.0m TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -0.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 660.9% (prev -419.1%; Δ 1080 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 154.0m <= Net Income 220.0m (YES >=105%, WARN >=100%)

Net Debt (-2.04b) to EBITDA (576.0m) ratio: -3.53 <= 3.0 (WARN <= 3.5)

Current Ratio 39.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (413.3m) change vs 12m ago -5.16% (target <= -2.0% for YES)

Gross Margin 5.31% (prev 4.22%; Δ 1.09pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.92% (prev 8.03%; Δ -0.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 4.01 (EBITDA TTM 576.0m / Interest Expense TTM 106.0m) >= 6 (WARN >= 3)

Altman Z'' 3.58

(A) 0.53 = (Total Current Assets 48.15b - Total Current Liabilities 1.23b) / Total Assets 88.49b

(B) 0.02 = Retained Earnings (Balance) 1.73b / Total Assets 88.49b

(D) 0.00 = Book Value of Equity 337.0m / Total Liabilities 81.50b

Total Rating: 3.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 45.74

1. Piotroski 2.50pt

2. FCF Yield 4.85%

3. FCF Margin 2.17%

4. Debt/Equity 0.17

5. Debt/Ebitda -3.53

6. ROIC - WACC (= -3.09)%

7. RoE 2.53%

8. Rev. Trend -54.62%

9. EPS Trend -39.36%

What is the price of GNW shares?

As of January 15, 2026, the stock is trading at USD 8.41 with a total of 3,655,226 shares traded.
Over the past week, the price has changed by -5.72%, over one month by -6.45%, over three months by -4.65% and over the past year by +24.78%.

Is GNW a buy, sell or hold?

Genworth Financial has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold GNW.

Strong Buy: 0
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the GNW price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	10	18.9%
Analysts Target Price	10	18.9%
ValueRay Target Price	9.8	16.9%

GNW Fundamental Data Overview January 12, 2026

P/E Trailing = 15.2542
P/S = 0.5061
P/B = 0.4079
P/EG = 0.72
Revenue TTM = 7.10b USD
EBIT TTM = 425.0m USD
EBITDA TTM = 576.0m USD
Long Term Debt = 1.52b USD (from longTermDebt, last quarter)
Short Term Debt = 12.0m USD (from shortTermDebt, last fiscal year)
Debt = 1.52b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -2.04b USD (from netDebt column, last quarter)
Enterprise Value = 3.18b USD (3.69b + Debt 1.52b - CCE 2.04b)
Interest Coverage Ratio = 4.01 (Ebit TTM 425.0m / Interest Expense TTM 106.0m)
EV/FCF = 20.62x (Enterprise Value 3.18b / FCF TTM 154.0m)
FCF Yield = 4.85% (FCF TTM 154.0m / Enterprise Value 3.18b)
FCF Margin = 2.17% (FCF TTM 154.0m / Revenue TTM 7.10b)
Net Margin = 3.10% (Net Income TTM 220.0m / Revenue TTM 7.10b)
Gross Margin = 5.31% ((Revenue TTM 7.10b - Cost of Revenue TTM 6.72b) / Revenue TTM)
Gross Margin QoQ = 6.89% (prev 4.75%)
Tobins Q-Ratio = 0.04 (Enterprise Value 3.18b / Total Assets 88.49b)
Interest Expense / Debt = 1.78% (Interest Expense 27.0m / Debt 1.52b)
Taxrate = 5.49% (9.00m / 164.0m)
NOPAT = 401.7m (EBIT 425.0m * (1 - 5.49%))
Current Ratio = 39.30 (Total Current Assets 48.15b / Total Current Liabilities 1.23b)
Debt / Equity = 0.17 (Debt 1.52b / totalStockholderEquity, last quarter 8.81b)
Debt / EBITDA = -3.53 (Net Debt -2.04b / EBITDA 576.0m)
Debt / FCF = -13.22 (Net Debt -2.04b / FCF TTM 154.0m)
Total Stockholder Equity = 8.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.25% (Net Income 220.0m / Total Assets 88.49b)
RoE = 2.53% (Net Income TTM 220.0m / Total Stockholder Equity 8.70b)
RoCE = 4.16% (EBIT 425.0m / Capital Employed (Equity 8.70b + L.T.Debt 1.52b))
RoIC = 3.93% (NOPAT 401.7m / Invested Capital 10.22b)
WACC = 7.02% (E(3.69b)/V(5.21b) * Re(9.21%) + D(1.52b)/V(5.21b) * Rd(1.78%) * (1-Tc(0.05)))
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.10%
[DCF Debug] Terminal Value 77.31% ; FCFF base≈175.6m ; Y1≈130.4m ; Y5≈76.1m
Fair Price DCF = 9.49 (EV 1.75b - Net Debt -2.04b = Equity 3.79b / Shares 399.4m; r=7.02% [WACC]; 5y FCF grow -30.43% → 2.90% )
[DCF Warning] FCF declining rapidly (-30.43%), DCF may be unreliable
EPS Correlation: -39.36 | EPS CAGR: -11.70% | SUE: -0.67 | # QB: 0
Revenue Correlation: -54.62 | Revenue CAGR: -0.56% | SUE: 0.83 | # QB: 0
EPS next Year (2026-12-31): EPS=0.45 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+21.6% | Growth Revenue=+0.0%

Additional Sources for GNW Stock

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