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GNW logoGenworth Financial, Inc.(GNW)Earnings, Financials & Key Ratios

GNW•NYSE•Insurance & Managed Care
$9.17
$3.55B mkt cap·17.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryLegacy blocks and life policy investors
AboutGenworth Financial, Inc. provides insurance products in the United States and internationally. The company operates in three segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment offers mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; and pool mortgage insurance products. The U.S. Life Insurance segment offers long-term care insurance products; and service traditional life insurance and fixed annuity products in the United States. The Runoff segment includes variable annuity, variable life insurance, and corporate-owned life insurance, as well as funding agreements. It distributes its products through sales force, in-house sales representatives, and digital marketing programs. The company was founded in 1871 and is headquartered in Richmond, Virginia.Show more
  • Revenue$6.37B-10.9%
  • Combined Ratio93.2%+1.7%
  • Net Income$223M-25.4%
  • Return on Equity2.32%-31.0%
  • Medical Cost Ratio75.72%-17.9%
  • Operating Margin6.8%-18.4%
  • Net Margin3.5%-16.3%
  • ROA0.25%-24.2%
  • Equity / Assets11.09%+2.1%
  • Book Value per Share23.59+9.9%
  • Tangible BV/Share19.28-10.2%
  • Debt/Equity0.15-3.8%
Technical→

GNW Key Insights

Genworth Financial, Inc. (GNW) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Profitable underwriting: 93.2% combined ratio
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Share count reduced 5.8% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 0.4x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 2.2%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

GNW Price & Volume

Genworth Financial, Inc. (GNW) stock price & volume — 10-year historical chart

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GNW Growth Metrics

Genworth Financial, Inc. (GNW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-2.9%
5 Years-4.96%
3 Years-4.87%
TTM-2.93%

Profit CAGR

10 Years-
5 Years4.61%
3 Years-37.56%
TTM16.36%

EPS CAGR

10 Years-
5 Years-18.37%
3 Years-23.16%
TTM5.49%

Return on Capital

10 Years0.88%
5 Years0.82%
3 Years0.53%
Last Year0.59%

GNW Recent Earnings

Genworth Financial, Inc. (GNW) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 2/12 qtrs (40%)
Q2 2026Latest
May 5, 2026
EPS
$0.19
Est $0.17
+9.2%
Revenue
$1.8B
Est $1.5B
+20.3%
Q1 2026
Feb 23, 2026
EPS
$0.02
Est $0.16
-87.5%
Revenue
$1.8B
Est $1.5B
+19.5%
Q4 2025
Nov 5, 2025
EPS
$0.04
Est $0.10
-60.0%
Revenue
$1.9B
Q3 2025
Jul 30, 2025
EPS
$0.16
Est $0.06
+166.7%
Revenue
$1.7B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.19vs $0.17+9.2%
$1.8Bvs $1.5B+20.3%
Q1 2026Feb 23, 2026
$0.02vs $0.16-87.5%
$1.8Bvs $1.5B+19.5%
Q4 2025Nov 5, 2025
$0.04vs $0.10-60.0%
$1.9B
Q3 2025Jul 30, 2025
$0.16vs $0.06+166.7%
$1.7B
Based on last 12 quarters of dataView full earnings history →

GNW Peer Comparison

Genworth Financial, Inc. (GNW) competitors in Legacy blocks and life policy investors — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RDN logoRDNRadian Group Inc.Direct Competitor4.87B35.748.63-3.36%46.73%12.59%0.24
ESNT logoESNTEssent Group Ltd.Direct Competitor5.99B61.418.9712.03%53.73%12.25%0.09
NMIH logoNMIHNMI Holdings, Inc.Direct Competitor2.91B38.257.778.39%55.07%15.8%0.16
MTG logoMTGMGIC Investment CorporationDirect Competitor5.58B26.408.410.49%59.63%14%0.13
PFSI logoPFSIPennyMac Financial Services, Inc.Direct Competitor4.54B86.949.35173.81%12.02%5.35
LNC logoLNCLincoln National CorporationProduct Competitor6.41B37.622.0453.61%11.43%20.18%0.77
CNO logoCNOCNO Financial Group, Inc.Product Competitor4.28B45.7119.450.94%4.94%8.6%1.54
GL logoGLGlobe Life Inc.Product Competitor12.11B154.3910.983.82%19.36%20.64%0.44

Compare GNW vs Peers

Genworth Financial, Inc. (GNW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RDN

Most directly comparable listed peer for GNW.

Scale Benchmark

vs AFL

Larger-name benchmark to compare GNW against a more recognizable public peer.

Peer Set

Compare Top 5

vs RDN, ESNT, NMIH, MTG

GNW Income Statement

Genworth Financial, Inc. (GNW) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue7.51B7.89B7.71B8.21B7.6B7.4B7.37B7.14B6.37B6.87B
Revenue Growth %-10.16%5.02%-2.33%6.57%-7.46%-2.67%-0.34%-3.09%-10.86%-2.93%
Medical Costs & Claims7.12B7.51B6.95B7.16B6.55B6.02B7.07B6.58B4.82B4.57B
Medical Cost Ratio %94.77%95.16%90.23%87.2%86.2%81.45%95.88%92.19%75.72%66.54%
Gross Profit
393M▲ 0%
382M▼ 2.8%
753M▲ 97.1%
1.05B▲ 39.6%
1.05B▼ 0.2%
1.37B▲ 30.8%
304M▼ 77.8%
558M▲ 83.6%
1.55B▲ 177.1%
522M▲ 0%
Gross Margin %5.23%4.84%9.77%12.8%13.8%18.55%4.12%7.81%24.28%7.6%
Gross Profit Growth %-39.63%-2.8%97.12%39.57%-0.19%30.79%-77.84%83.55%177.06%-
Operating Expenses266M245M231M123M-63M7M1M-37M1.11B428M
OpEx / Revenue %3.54%3.11%3%1.5%-0.83%0.09%0.01%-0.52%17.48%6.23%
Depreciation & Amortization0000000093M0
Combined Ratio %98.31%98.26%93.23%88.7%85.37%81.54%95.89%91.67%93.2%72.77%
Operating Income
127M▲ 0%
137M▲ 7.9%
522M▲ 281.0%
928M▲ 77.8%
1.11B▲ 19.8%
1.36B▲ 22.8%
303M▼ 77.8%
595M▲ 96.4%
433M▼ 27.2%
387M▲ 0%
Operating Margin %1.69%1.74%6.77%11.3%14.63%18.46%4.11%8.33%6.8%5.63%
Operating Income Growth %-60.31%7.87%281.02%77.78%19.83%22.75%-77.8%96.37%-27.23%-
EBITDA393M393M752M1.12B1.27B1.47B421M710M526M466M
EBITDA Margin %5.23%4.98%9.76%13.68%16.74%19.89%5.71%9.94%8.26%6.78%
Interest Expense266M256M231M195M160M106M118M115M105M104M
Non-Operating Income-266M-256M-230M-195M-160M-106M-118M-115M-105M-79M
Pretax Income
127M▲ 0%
137M▲ 7.9%
521M▲ 280.3%
928M▲ 78.1%
1.11B▲ 19.8%
1.36B▲ 22.8%
303M▼ 77.8%
595M▲ 96.4%
433M▼ 27.2%
418M▲ 0%
Pretax Margin %1.69%1.74%6.76%11.3%14.63%18.46%4.11%8.33%6.8%6.08%
Income Tax-406M70M139M230M248M319M104M158M84M79M
Effective Tax Rate %-319.69%51.09%26.68%24.78%22.3%23.37%34.32%26.55%19.4%18.9%
Net Income
817M▲ 0%
119M▼ 85.4%
343M▲ 188.2%
178M▼ 48.1%
850M▲ 377.5%
916M▲ 7.8%
76M▼ 91.7%
299M▲ 293.4%
223M▼ 25.4%
249M▲ 0%
Net Margin %10.87%1.51%4.45%2.17%11.19%12.39%1.03%4.19%3.5%3.62%
Net Income Growth %394.95%-85.43%188.24%-48.1%377.53%7.76%-91.7%293.42%-25.42%16.36%
EPS (Diluted)
1.63▲ 0%
0.24▼ 85.3%
1.02▲ 325.0%
1.49▲ 46.1%
1.76▲ 18.1%
1.19▼ 32.4%
0.16▼ 86.6%
0.68▲ 325.0%
0.54▼ 20.6%
0.63▲ 0%
EPS Growth %391.07%-85.28%325%46.08%18.12%-32.39%-86.55%325%-20.59%5.49%
EPS (Basic)1.640.241.031.511.781.210.160.690.55-
Diluted Shares Outstanding501.4M500.4M509.7M511.6M514.7M511M474.9M439.4M414M393.7M

GNW Balance Sheet

Genworth Financial, Inc. (GNW) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets105.3B100.92B101.34B105.75B99.17B89.71B90.82B86.87B88.08B86.77B
Asset Growth %0.61%-4.15%0.42%4.35%-6.22%-9.54%1.23%-4.35%1.4%-1.9%
Total Investment Assets73.39B70.11B71.23B73.65B70.38B56.62B56.93B54.79B55.69B4M
Long-Term Investments65.16B61.5B60.58B63.88B60.68B46.9B47.18B45.42B49.57B99.31B
Short-Term Investments63.34B60.32B60.58B63.88B60.48B46.58B46.78B5.67B6.11B45.09B
Total Current Assets2.88B2.18B00000026.59B47.22B
Cash & Equivalents2.88B2.18B3.34B2.56B1.57B1.8B2.21B2.05B2.04B2.12B
Receivables0017.1B16.82B16.81B19B19.02B17.66B18.44B54.58B
Other Current Assets00-81.02B-83.26B-78.86B-67.38B-68.02B-25.38B00
Goodwill & Intangibles301M347M201M157M143M203M198M197M1.78B5.66B
Goodwill15M13M5M0000000
Intangible Assets286M334M196M157M143M203M198M01.78B0
PP&E (Net)-504M-736M00000000
Other Assets-25.56B-22.77B-60.78B-64.04B-60.82B-47.1B-47.38B-45.61B8.34B0
Total Liabilities89.97B86.73B86.71B89.93B82.91B81.33B82.48B77.44B78.32B76.93B
Total Debt4.57B4.34B3.98B3.4B1.9B1.61B1.58B1.52B1.51B0
Net Debt1.7B2.16B644M842M328M-188M-631M-530M-523M-2.12B
Long-Term Debt4.57B4.02B3.59B3.4B1.9B1.61B1.58B1.52B1.51B0
Short-Term Debt597M0397M0000000
Total Current Liabilities87.31B84.45B00000013.94B0
Accounts Payable0000000000
Deferred Revenue0000000092M0
Other Current Liabilities-597M0-397M0000013.84B0
Deferred Taxes1000K1000K00000000
Other Liabilities85.37B0-3.58B-3.38B-1.88B-1.6B-1.58B-1.52B62.87B0
Total Equity
15.33B▲ 0%
14.19B▼ 7.4%
14.63B▲ 3.1%
15.82B▲ 8.1%
16.27B▲ 2.8%
8.39B▼ 48.4%
8.34B▼ 0.6%
9.43B▲ 13.1%
9.77B▲ 3.6%
9.84B▲ 0%
Equity Growth %5.95%-7.43%3.12%8.12%2.82%-48.44%-0.61%13.15%3.56%15.89%
Shareholders Equity13.42B12.45B14.19B15.32B15.51B7.63B7.48B8.49B8.75B8.81B
Minority Interest1.91B1.74B447M502M756M755M855M937M1.02B1.03B
Retained Earnings1.11B1.12B1.46B1.58B2.49B1.14B1.21B1.51B1.68B1.73B
Common Stock1M1M1M1M1M1M1M1M1M1M
Accumulated OCI3.03B2.04B3.43B4.42B3.86B-2.61B-2.56B-1.64B-1.32B-1.22B
Return on Equity (ROE)5.48%0.81%2.38%1.17%5.3%7.43%0.91%3.37%2.32%2.54%
Return on Assets (ROA)0.78%0.12%0.34%0.17%0.83%0.97%0.08%0.34%0.25%0.28%
Equity / Assets14.56%14.06%14.44%14.96%16.4%9.35%9.18%10.86%11.09%11.34%
Debt / Equity0.30x0.31x0.27x0.22x0.12x0.19x0.19x0.16x0.15x0.15x
Book Value per Share30.5728.3628.7130.9231.6016.4117.5521.4623.5925.00
Tangible BV per Share29.9727.6628.3130.6231.3316.0117.1321.4619.2825.00

GNW Cash Flow Statement

Genworth Financial, Inc. (GNW) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations2.55B1.63B2.08B1.96B437M1.05B597M88M327M327M
Operating CF Growth %37.91%-36.06%27.31%-5.72%-77.7%140.05%-43.09%-85.26%271.59%748.14%
Operating CF / Revenue %33.99%20.7%26.98%23.87%5.75%14.18%8.1%1.23%5.14%4.76%
Net Income936M297M519M761M864M1.05B76M4M350M249M
Depreciation & Amortization288M269M557M-570M0040M130M93M0
Stock-Based Compensation42M37M27M39M40M37M49M51M58M62M
Deferred Taxes-368M5M139M268M275M315M48M-103M-55M-34M
Other Non-Cash Items-363M-883M-699M-646M-1.76B-884M-933M-618M-925M-740M
Working Capital Changes2.02B1.91B1.54B2.11B1.01B535M1.32B624M806M761M
Cash from Investing-759M-622M1.3B-1.15B896M733M1.26B861M518M527M
Capital Expenditures000267M000000
Acquisitions-5M01.4B-267M-242M-460M-384M00-163M
Purchase of Investments-9.59B-10.71B-7.29B-9.84B-5.22B-4.04B-3.23B00-3.03B
Sale/Maturity of Investments8.99B10.35B7.32B8.29B6.45B5.39B4.66B003.8B
Other Investing-157M-266M-128M387M-99M-158M215M861M518M-77M
Cash from Financing-1.77B-1.62B-2.22B-1.51B-2.42B-1.55B-1.44B-1.11B-857M-682M
Dividends Paid-107M-97M-87M0000-21M0-6M
Share Repurchases-33M0-22M00-64M-296M-189M-319M-293M
Stock Issued0022M0529M00000
Debt Issuance (Net)-1000K-1000K-1000K-1000K-1000K-1000K-1000K-1000K-1000K-1000K
Other Financing-1.73B-1.42B-1.68B-1.44B-1.41B-1.19B-1.11B-831M-531M-443M
Net Change in Cash
91M▲ 0%
-698M▼ 867.0%
1.16B▲ 266.8%
-685M▼ 158.8%
-1.08B▼ 58.4%
228M▲ 121.0%
416M▲ 82.5%
-167M▼ 140.1%
-12M▲ 92.8%
229M▲ 0%
Exchange Rate Effect64M-88M1M15M1M01M-1M00
Cash at Beginning2.78B2.88B2.18B3.34B2.66B1.57B1.8B2.21B2.05B2.04B
Cash at End2.88B2.18B3.34B2.66B1.57B1.8B2.21B2.05B2.04B2.12B
Free Cash Flow
2.55B▲ 0%
1.63B▼ 36.1%
2.08B▲ 27.3%
2.23B▲ 7.1%
437M▼ 80.4%
1.05B▲ 140.0%
597M▼ 43.1%
88M▼ 85.3%
327M▲ 271.6%
384M▲ 0%
FCF Growth %37.91%-36.06%27.31%7.12%-80.38%140.05%-43.09%-85.26%271.59%67.69%
FCF Margin %33.99%20.7%26.98%27.12%5.75%14.18%8.1%1.23%5.14%5.59%
FCF per Share5.093.264.084.350.852.051.260.20.790.79

GNW Key Ratios

Genworth Financial, Inc. (GNW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio98.31%98.26%93.23%88.7%85.37%81.54%95.89%91.67%93.2%72.77%
Medical Cost Ratio94.77%95.16%90.23%87.2%86.2%81.45%95.88%92.19%75.72%66.54%
Return on Equity (ROE)5.48%0.81%2.38%1.17%5.3%7.43%0.91%3.37%2.32%2.54%
Return on Assets (ROA)0.78%0.12%0.34%0.17%0.83%0.97%0.08%0.34%0.25%0.28%
Equity / Assets14.56%14.06%14.44%14.96%16.4%9.35%9.18%10.86%11.09%11.34%
Book Value / Share30.5728.3628.7130.9231.616.4117.5521.4623.5925
Debt / Equity0.30x0.31x0.27x0.22x0.12x0.19x0.19x0.16x0.15x0.15x
Revenue Growth-10.16%5.02%-2.33%6.57%-7.46%-2.67%-0.34%-3.09%-10.86%-2.93%

GNW SEC Filings & Documents

Genworth Financial, Inc. (GNW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Feb 23, 2026·SEC

Material company update

Feb 3, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Jul 31, 2025·SEC

GNW Frequently Asked Questions

Genworth Financial, Inc. (GNW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Genworth Financial, Inc. (GNW) saw revenue decline by 10.9% over the past year.

Yes, Genworth Financial, Inc. (GNW) is profitable, generating $249.0M in net income for fiscal year 2025 (3.5% net margin).

Dividend & Returns

Genworth Financial, Inc. (GNW) has a return on equity (ROE) of 2.3%. This is below average, suggesting room for improvement.

Industry Metrics

Genworth Financial, Inc. (GNW) has a combined ratio of 93.2%. A ratio below 100% indicates underwriting profitability.

Explore More GNW

Genworth Financial, Inc. (GNW) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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