(GNW) Genworth Financial - Overview
Stock: Mortgage Insurance, Long-Term Care Insurance, Life Insurance, Annuities
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 24.4% |
| Relative Tail Risk | -3.14% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.64 |
| Alpha | 7.27 |
| Character TTM | |
|---|---|
| Beta | 0.895 |
| Beta Downside | 1.034 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.09% |
| CAGR/Max DD | 0.58 |
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 |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.06 > 1.0 |
| NWC/Revenue: 660.9% < 20% (prev -419.1%; Δ 1080 % < -1%) |
| CFO/TA 0.00 > 3% & CFO 154.0m > Net Income 220.0m |
| Net Debt (-2.04b) to EBITDA (576.0m): -3.53 < 3 |
| Current Ratio: 39.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (413.3m) vs 12m ago -5.16% < -2% |
| Gross Margin: 5.31% > 18% (prev 0.04%; Δ 526.8% > 0.5%) |
| Asset Turnover: 7.92% > 50% (prev 8.03%; Δ -0.11% > 0%) |
| Interest Coverage Ratio: 4.01 > 6 (EBITDA TTM 576.0m / Interest Expense TTM 106.0m) |
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 1.73b / Total Assets 88.49b) |
| C: 0.00 (EBIT TTM 425.0m / Avg Total Assets 89.62b) |
| D: 0.00 (Book Value of Equity 337.0m / Total Liabilities 81.50b) |
| Altman-Z'' Score: 3.58 = A |
What is the price of GNW shares?
Over the past week, the price has changed by +8.27%, over one month by +1.46%, over three months by +5.12% and over the past year by +22.03%.
Is GNW a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the GNW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 10 | 10.7% |
| Analysts Target Price | 10 | 10.7% |
| ValueRay Target Price | 10.4 | 15.3% |
GNW Fundamental Data Overview February 03, 2026
P/S = 0.469
P/B = 0.3807
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 = 2.91b USD (3.42b + Debt 1.52b - CCE 2.04b)
Interest Coverage Ratio = 4.01 (Ebit TTM 425.0m / Interest Expense TTM 106.0m)
EV/FCF = 18.86x (Enterprise Value 2.91b / FCF TTM 154.0m)
FCF Yield = 5.30% (FCF TTM 154.0m / Enterprise Value 2.91b)
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 = 0.03 (Enterprise Value 2.91b / 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 = 6.90% (E(3.42b)/V(4.94b) * Re(9.21%) + D(1.52b)/V(4.94b) * 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 77.87% ; FCFF base≈175.6m ; Y1≈130.4m ; Y5≈76.1m
Fair Price DCF = 9.61 (EV 1.80b - Net Debt -2.04b = Equity 3.84b / Shares 399.4m; r=6.90% [WACC]; 5y FCF grow -30.43% → 2.90% )
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%