GNW

Genworth Financial, Inc.

Fundamental data last updated:October 24, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Life

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Genworth Financial, Inc. provides insurance products in the United States and internationally. The company operates in three segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment offers mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; and pool mortgage insurance products. The U.S. Life Insurance segment offers long-term care insurance products; and service traditional life insurance and fixed annuity products in the United States. The Runoff segment includes variable annuity, variable life insurance, and corporate-owned life insurance, as well as funding agreements. It distributes its products through sales force, in-house sales representatives, and digital marketing programs. The company was founded in 1871 and is headquartered in Richmond, Virginia.

 


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VALUATION

P/E

15.49

Market Cap ($M USD)

$3.30B

Forward P/E

21.05

PEG

-0.80

PRICE TO SALES

0.48

PRICE TO BOOK

0.38

EV / EBITDA

5.15

5-Year Average P/E

Free Cash Flow Yield

11.63%

DCF Value

$55.20

Graham Number

$16.86

Price to FCF

8.60

EV to FCF

7.01

Earnings Yield

6.46%

FCF Yield

11.63%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.56

Next Year EPS Growth Estimate

$0.41

Next Year Revenue Growth Estimate

$5.84B

Return on Equity (ROE)

2.46%

FREE CASH FLOW

Operating Margin

6.13%

Debt-to-Equity

0.17

Piotroski F-Score

7

Altman Z-Score

0.81

Return on Invested Capital (ROIC)

0.48%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

-1.17

Interest Coverage

4.02

Gross Profit margin

14.98%

FCF PER SHARE

$0.99

REVENUE PER SHARE

$17.56

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Gainseekers Quantitative Analysis

Summary

The market seems to be dramatically undervaluing Genworth Financial. With a DCF value of 55.40, the stock’s recent pricing was significantly below this intrinsic value, suggesting a potential deep value opportunity. However, the Forward P/E of 21.26 and an Altman Z-score of 0.81 raise red flags about its growth prospects and financial stability. The Earnings Yield of 6.10% indicates moderate profitability, but the low Return on Equity of 2.46% suggests inefficiencies in capital deployment. Overall, while the valuation appears attractive, caution is warranted due to potential financial vulnerabilities.

AI Exposure / Tech Reliance

Operating in the insurance industry, Genworth Financial is not directly at the forefront of AI and tech innovation. However, the sector's increasing reliance on data analytics for risk assessment and customer service could offer indirect benefits. The company's ability to integrate such technologies will be crucial for maintaining competitiveness.

The Bull Case

For value or GARP investors, Genworth Financial presents an intriguing opportunity. The company boasts a strong Piotroski F-Score of 7, indicating solid financial health and operational efficiency. With a Free Cash Flow Yield of 10.98% and a Price to FCF ratio of 9.11, the stock is generating substantial cash relative to its price, suggesting robust capital efficiency. Additionally, the operating margin of 6.13% reflects decent pricing power in a competitive industry.

The Bear Case

Despite some strengths, Genworth Financial faces significant structural risks. The Altman Z-score of 0.81 signals potential distress, and the stock's proximity to its 52-week high suggests it might be technically overextended. The Price/Book ratio of 0.40 indicates the market's skepticism about its asset utilization. Furthermore, the company's low ROIC of 0.48% highlights challenges in generating returns from invested capital, which could deter long-term growth.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

N/A

Institutional Ownership %

1-Year Beta

0.89

Insider Buying % (6 Mo)

Distance to 52-Week High

9.63%

Distance to 52-Week Low

22.04%

EARNINGS SURPRISE %

60.00%

50-DAY SMA

$8.72

200-DAY SMA

$8.67

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.