Genworth Financial, Inc. (GNW) vs Primerica, Inc. (PRI)

Genworth Financial, Inc. and Primerica, Inc. are both Insurance Life companies. Primerica, Inc. is the larger, with a market value of $8.5B against $3.6B — 2.4× the size. Primerica, Inc. trades at the lower P/E: 11.1× against 17.8×. Primerica, Inc. grew revenue faster over the last twelve months: 8.57% against 2.11%. Primerica, Inc. has the higher net margin (23.2% vs 2.87%) and the higher return on invested capital (17.9% vs 3.41%). Across the 22 metrics below, Primerica, Inc. leads on 14 and Genworth Financial, Inc. on 8.

Valuation

Metric GNW PRI Insurance Life median
P/E 17.79 11.05 12.15
P/S 0.49 2.51 0.75
P/B 0.37 3.41 1.12
Price to free cash flow 8.36 10.21 7.78
EV/EBITDA 5.86 7.87 8.42
EV/Sales 0.45 3.20 0.80
Earnings yield 5.62% 9.05% 8.23%
Free cash flow yield 11.96% 9.80% 11.12%

Profitability

Metric GNW PRI Insurance Life median
Gross margin 29.03% 81.38% 32.44%
Operating margin 6.84% 30.60% 11.31%
Net margin 2.87% 23.20% 6.61%
Free cash flow margin 5.81% 24.54% 15.04%
Return on equity 2.17% 32.97% 8.67%
Return on assets 0.24% 5.38% 0.67%
Return on invested capital 3.41% 17.86% 8.20%

Growth

Metric GNW PRI Insurance Life median
Revenue growth (TTM) 2.11% 8.57% 7.91%
EPS growth (last fiscal year) (20.59%) 67.10% —
Revenue growth, 5-year CAGR (2.49%) 8.22% 1.08%
Net income growth, 5-year CAGR 4.61% 14.33% 0.00%

Health

Metric GNW PRI Insurance Life median
Debt to equity 0.15 0.66 0.48
Current ratio 0.28 0.33 0.21
Net debt to EBITDA (0.83) 0.76 0.12

Dividend

Metric GNW PRI Insurance Life median
Dividend yield — 1.10% 2.41%
Payout ratio 0.00 0.22 0.17

Size

Metric GNW PRI Insurance Life median
Market cap 3.57b 8.45b 7.92b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack