(GNW) Genworth Financial - Ratings and Ratios
Mortgage, Long-Term, Care, Insurance, Annuities
GNW EPS (Earnings per Share)
GNW Revenue
Description: GNW Genworth Financial
Genworth Financial, Inc. operates through three distinct business segments: Enact, Long-Term Care Insurance, and Life and Annuities, offering a range of insurance products and services in the US and internationally. The companys product portfolio includes mortgage insurance, long-term care insurance, and various life insurance and annuity products, distributed through multiple channels, including sales forces, representatives, and digital marketing programs.
From a financial perspective, Genworth Financial has a market capitalization of approximately $3.32 billion, with a price-to-earnings ratio of 15.09, indicating a relatively moderate valuation. The companys return on equity stands at 2.52%, suggesting that it may be facing challenges in generating strong returns for its shareholders. Key performance indicators (KPIs) to monitor include the companys loss ratio, expense ratio, and return on assets (ROA), which can provide insights into its operational efficiency and profitability.
In terms of growth prospects, Genworth Financials long-term care insurance segment is likely to be influenced by demographic trends, such as the aging population in the US, which may drive demand for related products. The companys Enact segment, which offers mortgage insurance, may be affected by housing market trends and regulatory changes. The Life and Annuities segments performance will depend on factors such as interest rates, equity market performance, and competition. Key metrics to track include the companys premium growth, policyholder retention rates, and investment returns.
To further evaluate Genworth Financials investment potential, it is essential to analyze its capital management, risk management practices, and competitive positioning within the life and health insurance industry. Additional KPIs to consider include the companys debt-to-equity ratio, interest coverage ratio, and asset quality metrics, such as the percentage of non-performing investments.
GNW Stock Overview
| Market Cap in USD | 3,253m |
| Sector | Financial Services |
| Industry | Insurance - Life |
| GiC Sub-Industry | Life & Health Insurance |
| IPO / Inception | 2004-05-25 |
GNW Stock Ratings
| Growth Rating | 77.5 |
| Fundamental | 48.5% |
| Dividend Rating | 4.82 |
| Rel. Strength | 5.98 |
| Analysts | 3.00 of 5 |
| Fair Price Momentum | 9.23 USD |
| Fair Price DCF | 3.28 USD |
GNW Dividends
Currently no dividends paidGNW Growth Ratios
| Growth Correlation 3m | 76.9% |
| Growth Correlation 12m | 38.3% |
| Growth Correlation 5y | 92.4% |
| CAGR 5y | 25.47% |
| CAGR/Max DD 5y | 0.59 |
| Sharpe Ratio 12m | 0.91 |
| Alpha | 13.76 |
| Beta | 0.815 |
| Volatility | 27.19% |
| Current Volume | 5355.9k |
| Average Volume 20d | 6079.6k |
| Stop Loss | 8 (-3.7%) |
As of August 10, 2025, the stock is trading at USD 8.31 with a total of 5,355,900 shares traded.
Over the past week, the price has changed by +5.86%, over one month by +6.40%, over three months by +18.38% and over the past year by +32.11%.
No, based on ValueRay´s Fundamental Analyses, Genworth Financial (NYSE:GNW) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 48.47 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GNW is around 9.23 USD . This means that GNW is currently undervalued and has a potential upside of +11.07% (Margin of Safety).
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
According to our own proprietary Forecast Model, GNW Genworth Financial will be worth about 10.1 in August 2026. The stock is currently trading at 8.31. This means that the stock has a potential upside of +21.18%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.5 | 14.3% |
| Analysts Target Price | 8.5 | 2.3% |
| ValueRay Target Price | 10.1 | 21.2% |
Piotroski VR‑10 (Strict) 1.0
| Net Income (189.0m TTM) > 0 and > 6% of Revenue (6% = 431.0m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.15pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.00 (>3.0%) and CFO 228.0m > Net Income 189.0m (YES >=105%, WARN >=100%) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (415.9m) change vs 12m ago -5.63% (target <= -2.0% for YES) |
| Gross Margin 76.34% (prev 97.15%; Δ -20.81pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.22% (prev 7.93%; Δ 0.28pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.19 (EBITDA TTM 463.0m / Interest Expense TTM 107.0m) >= 6 (WARN >= 3) |
ValueRay Score 48.47
| 1. Piotroski 1.0pt = -4.0 |
| 2. FCF Yield 7.66% = 3.83 |
| 3. FCF Margin 3.17% = 0.53 |
| 4. Debt/Equity 0.17 = 2.49 |
| 5. Debt/Ebitda 3.28 = -2.11 |
| 6. ROIC - WACC -4.85% = -4.85 |
| 7. RoE 2.20% = 0.37 |
| 8. Rev. Trend 9.30% = 5.0 |
| 9. Rev. CAGR -1.71% = -0.29 |
| 11. EPS CAGR -25.15% = -2.50 |
GNW Fundamental Data Overview
CCE Cash And Equivalents = 1.80b USD (last quarter)
P/E Trailing = 16.0204
P/S = 0.4491
P/B = 0.3666
P/EG = 0.72
Beta = 1.059
Revenue TTM = 7.18b USD
EBIT TTM = 234.0m USD
EBITDA TTM = 463.0m USD
Long Term Debt = 1.52b USD (from longTermDebt, last quarter)
[93m Short Term Debt = unknown (0.0)
[39m Debt = 1.52b USD (Calculated: Short Term 0.0 + Long Term 1.52b)
Net Debt = -61.22b USD (from netDebt column, last quarter)
Enterprise Value = 2.98b USD (3.25b + Debt 1.52b - CCE 1.80b)
Interest Coverage Ratio = 2.19 (Ebit TTM 234.0m / Interest Expense TTM 107.0m)
FCF Yield = 7.66% (FCF TTM 228.0m / Enterprise Value 2.98b)
FCF Margin = 3.17% (FCF TTM 228.0m / Revenue TTM 7.18b)
Net Margin = 2.63% (Net Income TTM 189.0m / Revenue TTM 7.18b)
Gross Margin = 76.34% ((Revenue TTM 7.18b - Cost of Revenue TTM 1.70b) / Revenue TTM)
Tobins Q-Ratio = 0.25 (Enterprise Value 2.98b / Book Value Of Equity 11.78b)
Interest Expense / Debt = 1.71% (Interest Expense 26.0m / Debt 1.52b)
Taxrate = 26.55% (from yearly Income Tax Expense: 158.0m / 595.0m)
NOPAT = 171.9m (EBIT 234.0m * (1 - 26.55%))
[93m Current Ratio = unknown (Total Current Assets 61.22b / Total Current Liabilities none)
[39m Debt / Equity = 0.17 (Debt 1.52b / last Quarter total Stockholder Equity 8.79b)
Debt / EBITDA = 3.28 (Net Debt -61.22b / EBITDA 463.0m)
Debt / FCF = 6.67 (Debt 1.52b / FCF TTM 228.0m)
Total Stockholder Equity = 8.58b (last 4 quarters mean)
RoA = 0.22% (Net Income 189.0m, Total Assets 87.34b )
RoE = 2.20% (Net Income TTM 189.0m / Total Stockholder Equity 8.58b)
RoCE = 2.32% (Ebit 234.0m / (Equity 8.58b + L.T.Debt 1.52b))
RoIC = 1.70% (NOPAT 171.9m / Invested Capital 10.10b)
WACC = 6.55% (E(3.25b)/V(4.77b) * Re(9.02%)) + (D(1.52b)/V(4.77b) * Rd(1.71%) * (1-Tc(0.27)))
Shares Correlation 5-Years: -100.0 | Cagr: -4.21%
Discount Rate = 9.02% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.44% ; FCFE base≈281.6m ; Y1≈182.7m ; Y5≈81.4m
Fair Price DCF = 3.28 (DCF Value 1.36b / Shares Outstanding 414.5m; 5y FCF grow -40.84% → 2.90% )
Revenue Correlation: 9.30 | Revenue CAGR: -1.71%
Revenue Growth Correlation: 18.67%
EPS Correlation: N/A | EPS CAGR: -25.15%
EPS Growth Correlation: 18.09%
Additional Sources for GNW Stock
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