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Genworth Financial, Inc.

GNW Financial Insurance Life

Genworth Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $7.3 billion, roughly unchanged from fiscal 2024.

Revenue
+5.85%
EPS
0.00%
Free cash flow
+766.7%
Total debt
−1.32%

Quarter to June 2026, against a year earlier

8.78 0.25 −2.77%
Market cap
$3.4B
P/E
16.5×
Fwd P/E
26.2×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 3.32
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 — — — — 2 — — 2 1 — —
Insider Ownership 3.33%

Capital & Financial Ratios $m

Size
Market Cap 3,410.00
Revenue ttm 7,397.00
Net income ttm 342.00
Free cash flow ttm 430.00
Net debt Q (486.00)
Valuation
P/E 16.55
Forward P/E 26.20
Price / sales 0.45
Forward P/S Powerpack
Price / FCF 7.78
Price / book 0.34
Financial health
Current ratio Q 0.28
Debt / equity Q 0.15
Interest coverage Q 5.19
Growth
Revenue growth Q +5.85% (above 0%: growing)
Operating income growth Q −10.60% (below 0%: shrinking)
EPS, this year +215.06% (at or above 15%: strong)
EPS, next year A +2.51%
Revenue, next year A +2.22%
EPS, past 5 yrs +9.06%
EPS, next 5 yrs A +49.02% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 72.58%
10-year low 10-year high
P/S against its own 10 years 88.58%
10-year low 10-year high
P/B against its own 10 years 84.76%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 2,215 2,048 2,036 1,986
Receivables 19,025 17,592 17,837 17,391
Inventory — — — —
Other — — — —
21,240 19,640 19,873 19,377
2023 2024 2025 Q'26
Payables 73,996 68,989 69,890 69,241
ST’ Debt — — — —
Other — — — —
73,996 68,989 69,890 69,241

Compound Annual Growth %

10y 5y 3y
Sales (1.56%) (2.49%) (0.87%)
Cash Flow (14.63%) (30.10%) (32.20%)
Earnings 0.00% 4.61% (37.56%)
Book Value (3.96%) (9.19%) 5.21%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY19 Estimate 0.24 Actual 0.24

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY18 0.24 −0.58 Miss by 0.82
Q1 FY19 0.26 0.24 Miss by 0.02
Q2 FY19 0.25 0.40 Beat by 0.15
Q3 FY19 0.24 0.24 Met by 0.00

EPS $

Mar Jun Sep Dec Year
’26 0.12 0.12 — — —
’25 0.13 0.12 0.28 0.00 0.54
’24 0.31 0.17 0.20 0.00 0.68
’23 0.12 0.29 0.06 (0.47) 0.16
’22 0.29 0.35 0.20 0.90 1.79
’21 0.37 0.47 0.61 0.32 1.76
’20 (0.13) (0.86) 0.82 0.52 0.35
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,777 1,901 — — —
’25 1,786 1,796 1,935 1,784 7,301
’24 1,864 1,769 1,880 1,782 7,295
’23 1,854 1,892 1,831 1,911 7,488
’22 1,893 1,887 1,848 1,867 7,495
’21 1,985 2,041 2,070 1,726 7,822
’20 1,809 2,003 2,318 2,154 8,284
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 91 52 — — —
’25 34 6 87 200 327
’24 (107) 7 161 27 88
’23 17 258 175 147 597
’22 (92) 429 308 404 1,049
’21 (247) 476 61 147 437
’20 680 619 153 508 1,960
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 91 52 — — —
’25 34 6 87 200 350
’24 (107) 7 161 27 88
’23 17 258 175 147 597
’22 (92) 429 308 404 1,049
’21 (247) 476 61 147 437
’20 680 619 153 508 1,960
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 8,369 7,513 7,901 7,705 8,284 7,822 7,495 7,488 7,295 7,301 7,397 (1.5%) — — — —
Gross margin, % 29.01 23.19 21.31 26.85 30.43 34.98 35.86 29.41 28.46 28.68 29.03 (0.3) pt
EBT 320 127 137 521 928 1,112 1,365 303 595 433 402 +3.4%
EBT margin, % 3.82 1.69 1.73 6.76 11.20 14.22 18.21 4.05 8.16 5.93 5.43 +2.1 pt
Net income (67) 927 297 530 212 891 1,046 199 427 350 342 n/m
Per share, $
Per share, $ Revenue 16.80 15.06 15.79 15.32 16.40 15.43 14.86 15.97 16.81 17.85 19.40 +0.7%
Earnings (0.56) 1.64 0.24 0.68 0.35 1.78 1.82 0.16 0.69 0.54 0.53 n/m
Cash flow 3.76 5.12 3.26 4.13 3.88 0.86 2.08 1.27 0.20 0.80 1.13 (15.8%)
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.00 n/m
Free cash flow 3.76 5.12 3.26 4.13 3.88 0.86 2.08 1.27 0.20 0.86 1.13 (15.2%)
Book value 29.03 30.72 28.36 29.10 31.31 32.09 16.63 17.78 21.62 23.88 25.61 (2.1%)
Shares, m 498 499 500 503 505 507 504 469 434 409 397 (2.2%)
Valuation, ×
Valuation, × P/E 0.00 1.98 20.26 6.38 10.50 2.28 2.95 667.00 10.28 16.72 16.55 73.8
P/S 0.23 0.21 0.30 0.29 0.23 0.26 0.35 0.42 0.42 0.51 0.45 0.3
P/B 0.13 0.11 0.16 0.15 0.12 0.13 0.31 0.38 0.32 0.38 0.34 0.2
EV/Sales 0.42 0.42 0.54 0.31 0.36 0.33 0.36 0.36 0.37 0.46 — 0.4
EV/FCF 1.89 1.25 2.62 1.14 1.52 5.95 2.54 4.55 30.93 10.36 — 6.3
Cash, $m
Cash, $m Operating cash flow 1,872 2,554 1,633 2,079 1,960 437 1,049 597 88 327 430 (17.6%)
Capex — — — — — — — — — 23 — —
Free cash flow 1,872 2,554 1,633 2,079 1,960 437 1,049 597 88 350 430 (17.0%)
Balance, $m
Balance, $m Working capital (54,820) (55,784) (53,964) (55,008) (57,079) (55,011) (52,062) (52,756) (49,349) (50,017) (49,864) (1.0%)
Net debt 1,396 1,349 1,733 (64) 842 328 (188) (631) (530) (523) (486) n/m
Shareholders’ equity 14,467 15,328 14,189 14,632 15,820 16,266 8,386 8,335 9,381 9,767 9,765 (4.3%)
Returns, %
Returns, % ROA (0.26) 0.78 0.12 0.34 0.17 0.83 0.97 0.08 0.34 0.25 0.24 +0.5 pt
ROIC 2.59 1.47 1.54 3.23 4.21 4.79 11.21 3.42 5.01 3.64 3.41 +1.1 pt
ROE (1.90) 5.48 0.81 2.38 1.17 5.30 7.43 0.91 3.38 2.33 2.17 +4.2 pt
People
People Employees 3,400 3,500 3,500 3,100 3,000 2,500 2,500 2,700 2,960 3,100 — (1.0%)
Revenue/emp, $m 2.46 2.15 2.26 2.49 2.76 3.13 3.00 2.77 2.46 2.36 — (0.5%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Genworth Financial, Inc. vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
GL Globe Life Inc. $12.3B 10.4× 10.5× +8.00% (above 0%: growing) +20.06% (above 0%: growing) +0.88% (above 0%: growing) 39.24% 24.44% Compare
JXN Jackson Financial Inc. $9.2B 182× 11.7× +135.67% (above 0%: growing) +292.31% (above 0%: growing) +57.63% (above 0%: growing) (630.95%) 411.90% Compare
PRI Primerica, Inc. $8.7B 11.3× 11.1× +9.04% (above 0%: growing) +19.41% (above 0%: growing) +5.06% (above 0%: growing) 82.88% 30.52% Compare
LNC Lincoln National Corporation $7.9B 3.5× 4.5× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
CNO CNO Financial Group, Inc. $5.1B 19.4× 14.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73% Compare
GNW Genworth Financial, Inc. $3.4B 16.5× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10%
FG F&G Annuities & Life, Inc. $2.8B 7.0× 7.9× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
BHF Brighthouse Financial, Inc. $2.5B 3.5× 3.4× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
ABX Abacus Global Management, Inc. $842.0M 30.2× — +29.87% (above 0%: growing) −61.11% (below 0%: shrinking) −49.65% (below 0%: shrinking) 87.59% 29.41% Compare
Median of peers $6.5B 10.8× 10.5× +11.96% +45.16% −3.61% 41.65% 29.96%

All 17 Insurance Life stocks →

Pay and ownership Proxy statement filed 8 April 2024

Chief executive’s pay

Year Total pay Actually paid $100 invested
2023 9.87m 14.40m 151.82
2022 9.45m 13.38m 120.23
2021 8.50m 20.06m 92.05
2020 7.36m 14.18m 85.91

Ownership

Directors and executive officers, together 1.80%
BlackRock, Inc. 15.00%
The Vanguard Group, Inc. 12.00%
Dimensional Fund Advisors LP 6.90%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Genworth Financial, Inc. (GNW) Latest News

22 Oct

Impact 3 · · Zacks

6 Oct

Impact 3 · · Zacks
Impact 3 · · Simply Wall St.

28 Sep

Impact 3 · · Zacks

22 Sep

Impact 3 · · Business Wire

2 Sep

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12 Aug

Impact 3 · · The Motley Fool transcript

10 Aug

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8 Aug

Impact 3 · · MarketBeat transcript

6 Aug

Impact 4 · · Moby transcript

5 Aug

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11 Jun

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11 May

Impact 3 · · Simply Wall St.

10 May

Impact 4 · · MarketBeat

6 May

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

5 May

Impact 3 · · Business Wire

24 Feb

Impact 4 · · MarketBeat
Impact 4 · · GuruFocus.com
Impact 4 · · Moby

23 Feb

Impact 4 · · Business Wire

4 Feb

Impact 4 · · Simply Wall St.

27 Jan

Impact 3 · · Simply Wall St.

20 Jan

Impact 3 · · Business Wire

17 Dec

Impact 3 ·

6 Nov

Impact 4 · · Simply Wall St.
Impact 4 · · GuruFocus.comAssociated Press FinanceSimply Wall St.MT NewswiresMT NewswiresGuruFocus.comGuruFocus.comGuruFocus.com
Impact 3 · · Moby transcript

5 Nov

Impact 4 · · Business Wire
Impact 3 · · Associated Press Finance
stockrow.com/GNW · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com