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Genworth Financial Inc (GNW) stock analysis

GNWNYSELife InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 3/30
$8.67−0.02 (-0.23%)

Close on Nov 11, 2026Market cap $3.28BP/E 66.7Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth0Performance1Health0Dividend0

Weak3 of 30 checks passed

Genworth Financial passes 3 of the 30 checks behind our score; 15 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
0/6
Past performance
1/6
Financial health
0/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 4.6% a year on average over the last five fiscal years.

  • P/S below the industry

    Genworth Financial's price-to-sales of 0.45 is below the Life Insurance median of 0.67.

  • P/B below the industry

    Genworth Financial's price-to-book of 0.38 is below the Life Insurance median of 1.11.

What to watch

  • Return on equity under 15%

    Return on equity was 0.6% over the last twelve months and averaged 5.0% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -0.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -32.9% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -75.0% over the last twelve months, against a 5-year average of 4.6% a year.

Valuation2/6

  • P/E above its 5-year median

    Genworth Financial's P/E of 66.7 is above its own 5-year median of 12.3.

  • P/E above the industry

    Genworth Financial's P/E of 66.7 is above the Life Insurance median of 10.8.

  • P/S below the industry

    Genworth Financial's price-to-sales of 0.45 is below the Life Insurance median of 0.67.

  • P/B below the industry

    Genworth Financial's price-to-book of 0.38 is below the Life Insurance median of 1.11.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -0.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -32.9% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -75.0% over the last twelve months, against a 5-year average of 4.6% a year.

  • Growing slower than the industry

    Revenue grew -0.6% over the last twelve months; the Life Insurance median is 7.1%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance1/6

  • Return on equity under 15%

    Return on equity was 0.6% over the last twelve months and averaged 5.0% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Genworth Financial's return on equity of 0.6% is below the Life Insurance median of 12.6%.

  • Earnings grew over 5 years

    Net income grew 4.6% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 0.8% over the last twelve months, against a 5-year average of 6.3%.

  • Net margin below the industry

    Genworth Financial's net margin of 0.8% is below the Life Insurance median of 8.1%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    Genworth Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Genworth Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 12.3
  • Life Insurance median 10.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$34.04M
Value traded per 1% price move
$28.33M

Downside

Low risk

Typical loss in a bad month
11.5%
Volatility (annualized)
24%
Sharpe ratio, 1 year
-0.17
Beta to the S&P 500 (5Y)
0.66

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Operating margin

–

Net margin

3.1%+0.9 pts over 5 years

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