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GENWORTH FINANCIAL INC (GNW) Stock Fundamental Analysis

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

6.58  +0.2 (+3.13%)

After market: 6.57 -0.01 (-0.15%)

Fundamental Rating

2

Overall GNW gets a fundamental rating of 2 out of 10. We evaluated GNW against 143 industry peers in the Insurance industry. GNW may be in some trouble as it scores bad on both profitability and health. GNW is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

GNW had positive earnings in the past year.
In the past year GNW had a positive cash flow from operations.
GNW had positive earnings in each of the past 5 years.
In the past 5 years GNW always reported a positive cash flow from operatings.
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 2024 0 1B 2B

1.2 Ratios

GNW has a Return On Assets of 0.34%. This is in the lower half of the industry: GNW underperforms 77.62% of its industry peers.
GNW's Return On Equity of 3.52% is on the low side compared to the rest of the industry. GNW is outperformed by 80.42% of its industry peers.
Industry RankSector Rank
ROA 0.34%
ROE 3.52%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.44%
ROE(3y)4.17%
ROE(5y)3.9%
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 2024 0 2 -2 4 -4 6

1.3 Margins

GNW's Profit Margin of 4.16% is on the low side compared to the rest of the industry. GNW is outperformed by 67.13% of its industry peers.
GNW's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 8.25%, GNW perfoms like the industry average, outperforming 41.26% of the companies in the same industry.
In the last couple of years the Operating Margin of GNW has declined.
Industry RankSector Rank
OM 8.25%
PM (TTM) 4.16%
GM N/A
OM growth 3Y-22%
OM growth 5Y-3.61%
PM growth 3Y-29.18%
PM growth 5Y-1.64%
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 2024 0 5 -5 10 15

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2

2. Health

2.1 Basic Checks

GNW does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for GNW has been reduced compared to 1 year ago.
GNW has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GNW has remained at the same level compared to a year ago.
GNW Yearly Shares OutstandingGNW Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 20B 40B 60B 80B 100B

2.2 Solvency

GNW has a debt to FCF ratio of 17.25. This is a negative value and a sign of low solvency as GNW would need 17.25 years to pay back of all of its debts.
With a Debt to FCF ratio value of 17.25, GNW is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.18 indicates that GNW is not too dependend on debt financing.
GNW has a Debt to Equity ratio of 0.18. This is in the better half of the industry: GNW outperforms 71.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 17.25
Altman-Z N/A
ROIC/WACCN/A
WACC7.79%
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 2024 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 2024 10M 20M 30M 40M 50M

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1

3. Growth

3.1 Past

GNW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 468.43%, which is quite impressive.
Measured over the past years, GNW shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.65% on average per year.
GNW shows a decrease in Revenue. In the last year, the revenue decreased by -1.95%.
Measured over the past years, GNW shows a decrease in Revenue. The Revenue has been decreasing by -1.09% on average per year.
EPS 1Y (TTM)468.43%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%100%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-0.65%

3.2 Future

Based on estimates for the next years, GNW will show a decrease in Earnings Per Share. The EPS will decrease by -8.78% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y24.67%
EPS Next 2Y-8.78%
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.82, the valuation of GNW can be described as reasonable.
GNW's Price/Earnings ratio is a bit cheaper when compared to the industry. GNW is cheaper than 67.83% of the companies in the same industry.
GNW is valuated cheaply when we compare the Price/Earnings ratio to 27.63, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.88, which indicates a rather cheap valuation of GNW.
75.52% 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 20.85. GNW is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.82
Fwd PE 7.88
GNW Price Earnings VS Forward Price EarningsGNW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

86.71% of the companies in the same industry are more expensive than GNW, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, GNW is valued a bit more expensive than the industry average as 67.83% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 31.1
EV/EBITDA 2.52
GNW Per share dataGNW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

GNW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GNW's earnings are expected to decrease with -8.78% in the coming years. This may justify a cheaper valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y-8.78%
EPS Next 3YN/A

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0

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 (4/22/2025, 5:18:30 PM)

After market: 6.57 -0.01 (-0.15%)

6.58

+0.2 (+3.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-18 2025-02-18/amc
Earnings (Next)04-30 2025-04-30/amc
Inst Owners88.92%
Inst Owner Change-0.49%
Ins Owners0.54%
Ins Owner Change6.5%
Market Cap2.74B
Analysts46.67
Price Target8.67 (31.76%)
Short Float %1.6%
Short Ratio1.44
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
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)-50.49%
Min EPS beat(2)-100%
Max EPS beat(2)-0.99%
EPS beat(4)1
Avg EPS beat(4)-12.08%
Min EPS beat(4)-100%
Max EPS beat(4)66.36%
EPS beat(8)2
Avg EPS beat(8)-55.19%
EPS beat(12)5
Avg EPS beat(12)-27.27%
EPS beat(16)8
Avg EPS beat(16)-4.38%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-20.53%
EPS NY rev (1m)-6.5%
EPS NY rev (3m)-8.11%
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 9.82
Fwd PE 7.88
P/S 0.38
P/FCF 31.1
P/OCF 31.1
P/B 0.32
P/tB 0.33
EV/EBITDA 2.52
EPS(TTM)0.67
EY10.18%
EPS(NY)0.84
Fwd EY12.69%
FCF(TTM)0.21
FCFY3.22%
OCF(TTM)0.21
OCFY3.22%
SpS17.28
BVpS20.42
TBVpS19.95
PEG (NY)0.4
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.34%
ROE 3.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 8.25%
PM (TTM) 4.16%
GM N/A
FCFM 1.22%
ROA(3y)0.37%
ROA(5y)0.44%
ROE(3y)4.17%
ROE(5y)3.9%
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)0.73%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-22%
OM growth 5Y-3.61%
PM growth 3Y-29.18%
PM growth 5Y-1.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 17.25
Debt/EBITDA 1.8
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.78
Cash Conversion 10.45%
Profit Quality 29.43%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.79%
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)329.07%
Profit Quality(5y)427.33%
High Growth Momentum
Growth
EPS 1Y (TTM)468.43%
EPS 3Y-27.66%
EPS 5Y-4.65%
EPS Q2Q%100%
EPS Next Y24.67%
EPS Next 2Y-8.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y-2.34%
Revenue growth 5Y-1.09%
Sales Q2Q%-0.65%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y126.34%
EBIT growth 3Y-23.83%
EBIT growth 5Y-4.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-85.26%
FCF growth 3Y-41.39%
FCF growth 5Y-46.87%
OCF growth 1Y-85.26%
OCF growth 3Y-41.39%
OCF growth 5Y-46.87%