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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

NYSE:GNW - New York Stock Exchange, Inc. - US37247D1063 - Common Stock - Currency: USD

7.4  -0.02 (-0.27%)

After market: 7.4 0 (0%)

Fundamental Rating

2

Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 144 industry peers in the Insurance industry. GNW has a bad profitability rating. Also its financial health evaluation is rather negative. GNW has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

GNW had positive earnings in the past year.
GNW had a positive operating cash flow in the past year.
Each year in the past 5 years GNW has been profitable.
Each year in the past 5 years GNW had a positive operating cash flow.
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 0 1B 2B

1.2 Ratios

GNW's Return On Assets of 0.10% is on the low side compared to the rest of the industry. GNW is outperformed by 75.35% of its industry peers.
Looking at the Return On Equity, with a value of 1.06%, GNW is doing worse than 75.35% of the companies in the same industry.
Industry RankSector Rank
ROA 0.1%
ROE 1.06%
ROIC N/A
ROA(3y)0.56%
ROA(5y)0.44%
ROE(3y)4.94%
ROE(5y)3.68%
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 0 2 -2 4 -4 6

1.3 Margins

GNW has a Profit Margin of 1.22%. This is in the lower half of the industry: GNW underperforms 75.35% of its industry peers.
GNW's Profit Margin has declined in the last couple of years.
GNW has a Operating Margin of 3.31%. This is in the lower half of the industry: GNW underperforms 75.35% of its industry peers.
GNW's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.31%
PM (TTM) 1.22%
GM N/A
OM growth 3Y-36.26%
OM growth 5Y-6.67%
PM growth 3Y-21.53%
PM growth 5Y-7.18%
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 0 5 -5 10 15

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2. Health

2.1 Basic Checks

GNW does not have a ROIC to compare to the WACC, probably because it is not profitable.
GNW has less shares outstanding than it did 1 year ago.
GNW has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, GNW has an improved debt to assets ratio.
GNW Yearly Shares OutstandingGNW Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 20B 40B 60B 80B 100B

2.2 Solvency

GNW has a debt to FCF ratio of 7.44. This is a slightly negative value and a sign of low solvency as GNW would need 7.44 years to pay back of all of its debts.
The Debt to FCF ratio of GNW (7.44) is worse than 68.31% of its industry peers.
GNW has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
GNW's Debt to Equity ratio of 0.19 is fine compared to the rest of the industry. GNW outperforms 71.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 7.44
Altman-Z N/A
ROIC/WACCN/A
WACC7.66%
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 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 10M 20M 30M 40M 50M

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3. Growth

3.1 Past

GNW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.61%.
Measured over the past years, GNW shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.00% on average per year.
GNW shows a decrease in Revenue. In the last year, the revenue decreased by -2.40%.
The Revenue has been decreasing by -1.50% on average over the past years.
EPS 1Y (TTM)-75.61%
EPS 3Y-22.21%
EPS 5Y-7%
EPS Q2Q%216.67%
Revenue 1Y (TTM)-2.4%
Revenue growth 3Y-4.03%
Revenue growth 5Y-1.5%
Sales Q2Q%-6.33%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
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 2025 2026 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 0 0.5 -0.5 1 1.5

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 37.00, the valuation of GNW can be described as expensive.
Based on the Price/Earnings ratio, GNW is valued a bit more expensive than the industry average as 79.58% of the companies are valued more cheaply.
GNW is valuated rather expensively when we compare the Price/Earnings ratio to 28.37, which is the current average of the S&P500 Index.
GNW is valuated reasonably with a Price/Forward Earnings ratio of 8.28.
72.54% of the companies in the same industry are more expensive than GNW, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 96.21. GNW is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 37
Fwd PE 8.28
GNW Price Earnings VS Forward Price EarningsGNW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

77.46% of the companies in the same industry are more expensive than GNW, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as GNW.
Industry RankSector Rank
P/FCF 15.19
EV/EBITDA 5.29
GNW Per share dataGNW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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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 (2/6/2025, 8:04:00 PM)

After market: 7.4 0 (0%)

7.4

-0.02 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)02-18 2025-02-18/amc
Inst Owners85.87%
Inst Owner Change-0.4%
Ins Owners0.53%
Ins Owner Change-1.34%
Market Cap3.16B
Analysts46.67
Price Target8.67 (17.16%)
Short Float %1.97%
Short Ratio2.38
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.34%
Min EPS beat(2)-13.68%
Max EPS beat(2)-0.99%
EPS beat(4)1
Avg EPS beat(4)-73.31%
Min EPS beat(4)-344.92%
Max EPS beat(4)66.36%
EPS beat(8)3
Avg EPS beat(8)-33.2%
EPS beat(12)5
Avg EPS beat(12)-19.07%
EPS beat(16)9
Avg EPS beat(16)10.49%
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)6.25%
EPS NQ rev (1m)-7.86%
EPS NQ rev (3m)-2.86%
EPS NY rev (1m)-0.96%
EPS NY rev (3m)-3.27%
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 37
Fwd PE 8.28
P/S 0.44
P/FCF 15.19
P/OCF 15.19
P/B 0.38
P/tB 0.39
EV/EBITDA 5.29
EPS(TTM)0.2
EY2.7%
EPS(NY)0.89
Fwd EY12.07%
FCF(TTM)0.49
FCFY6.58%
OCF(TTM)0.49
OCFY6.58%
SpS16.92
BVpS19.46
TBVpS19
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.1%
ROE 1.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 3.31%
PM (TTM) 1.22%
GM N/A
FCFM 2.88%
ROA(3y)0.56%
ROA(5y)0.44%
ROE(3y)4.94%
ROE(5y)3.68%
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)0.95%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-36.26%
OM growth 5Y-6.67%
PM growth 3Y-21.53%
PM growth 5Y-7.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 7.44
Debt/EBITDA 3.08
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 41.35%
Profit Quality 236.36%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.66%
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)335.37%
Profit Quality(5y)542.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-75.61%
EPS 3Y-22.21%
EPS 5Y-7%
EPS Q2Q%216.67%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.4%
Revenue growth 3Y-4.03%
Revenue growth 5Y-1.5%
Sales Q2Q%-6.33%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-71.1%
EBIT growth 3Y-38.83%
EBIT growth 5Y-8.07%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-73.74%
FCF growth 3Y-32.72%
FCF growth 5Y-18.23%
OCF growth 1Y-73.74%
OCF growth 3Y-32.72%
OCF growth 5Y-18.23%