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6May 5, 2026·SEC
Feb 23, 2026·SEC
Feb 3, 2026·SEC
Genworth Financial, Inc. (GNW) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Genworth Financial, Inc. (GNW) stock price & volume — 10-year historical chart
Genworth Financial, Inc. (GNW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Genworth Financial, Inc. (GNW) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.28vs $0.17+60.0% | $1.8Bvs $1.7B+3.1% |
| Q1 2026 | Feb 23, 2026 | $0.02vs $0.16-87.5% | $1.8Bvs $1.5B+19.5% |
| Q4 2025 | Nov 5, 2025 | $0.04vs $0.10-60.0% | $1.9B |
| Q3 2025 | Jul 30, 2025 | $0.16vs $0.06+166.7% | $1.7B |
Genworth Financial, Inc. (GNW) competitors in Legacy blocks and life policy investors — business model, growth, and fundamentals comparison
Genworth Financial, Inc. (GNW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Genworth Financial, Inc. (GNW) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 7.51B | 7.89B | 7.71B | 8.21B | 7.6B | 7.4B | 7.37B | 7.14B | 6.37B | 6.87B |
Revenue Growth % | -10.16% | 5.02% | -2.33% | 6.57% | -7.46% | -2.67% | -0.34% | -3.09% | -10.86% | -2.93% |
Medical Costs & Claims | 7.12B | 7.51B | 6.95B | 7.16B | 6.55B | 6.02B | 7.07B | 6.58B | 4.82B | 4.57B |
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 Expenses | 266M | 245M | 231M | 123M | -63M | 7M | 1M | -37M | 1.11B | 428M |
OpEx / Revenue % | 3.54% | 3.11% | 3% | 1.5% | -0.83% | 0.09% | 0.01% | -0.52% | 17.48% | 6.23% |
Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 93M | 0 |
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% | - |
EBITDA | 393M | 393M | 752M | 1.12B | 1.27B | 1.47B | 421M | 710M | 526M | 466M |
EBITDA Margin % | 5.23% | 4.98% | 9.76% | 13.68% | 16.74% | 19.89% | 5.71% | 9.94% | 8.26% | 6.78% |
Interest Expense | 266M | 256M | 231M | 195M | 160M | 106M | 118M | 115M | 105M | 104M |
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 | -406M | 70M | 139M | 230M | 248M | 319M | 104M | 158M | 84M | 79M |
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) | 1.64 | 0.24 | 1.03 | 1.51 | 1.78 | 1.21 | 0.16 | 0.69 | 0.55 | - |
Diluted Shares Outstanding | 501.4M | 500.4M | 509.7M | 511.6M | 514.7M | 511M | 474.9M | 439.4M | 414M | 393.7M |
Genworth Financial, Inc. (GNW) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Assets | 105.3B | 100.92B | 101.34B | 105.75B | 99.17B | 89.71B | 90.82B | 86.87B | 88.08B | 86.77B |
Asset Growth % | 0.61% | -4.15% | 0.42% | 4.35% | -6.22% | -9.54% | 1.23% | -4.35% | 1.4% | -1.9% |
Total Investment Assets | 73.39B | 70.11B | 71.23B | 73.65B | 70.38B | 56.62B | 56.93B | 54.79B | 55.69B | 4M |
Long-Term Investments | 65.16B | 61.5B | 60.58B | 63.88B | 60.68B | 46.9B | 47.18B | 45.42B | 49.57B | 99.31B |
Short-Term Investments | 63.34B | 60.32B | 60.58B | 63.88B | 60.48B | 46.58B | 46.78B | 5.67B | 6.11B | 45.09B |
Total Current Assets | 2.88B | 2.18B | 0 | 0 | 0 | 0 | 0 | 0 | 26.59B | 47.22B |
Cash & Equivalents | 2.88B | 2.18B | 3.34B | 2.56B | 1.57B | 1.8B | 2.21B | 2.05B | 2.04B | 2.12B |
Receivables | 0 | 0 | 17.1B | 16.82B | 16.81B | 19B | 19.02B | 17.66B | 18.44B | 54.58B |
Other Current Assets | 0 | 0 | -81.02B | -83.26B | -78.86B | -67.38B | -68.02B | -25.38B | 0 | 0 |
Goodwill & Intangibles | 301M | 347M | 201M | 157M | 143M | 203M | 198M | 197M | 1.78B | 5.66B |
Goodwill | 15M | 13M | 5M | 0 | 0 | 0 | 0 | 0 | 0 | 199M |
Intangible Assets | 286M | 334M | 196M | 157M | 143M | 203M | 198M | 0 | 1.78B | 0 |
PP&E (Net) | -504M | -736M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Assets | -25.56B | -22.77B | -60.78B | -64.04B | -60.82B | -47.1B | -47.38B | -45.61B | 8.34B | 0 |
Total Liabilities | 89.97B | 86.73B | 86.71B | 89.93B | 82.91B | 81.33B | 82.48B | 77.44B | 78.32B | 76.93B |
Total Debt | 4.57B | 4.34B | 3.98B | 3.4B | 1.9B | 1.61B | 1.58B | 1.52B | 1.51B | 0 |
Net Debt | 1.7B | 2.16B | 644M | 842M | 328M | -188M | -631M | -530M | -523M | -2.12B |
Long-Term Debt | 4.57B | 4.02B | 3.59B | 3.4B | 1.9B | 1.61B | 1.58B | 1.52B | 1.51B | 0 |
Short-Term Debt | 597M | 0 | 397M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Current Liabilities | 87.31B | 84.45B | 0 | 0 | 0 | 0 | 0 | 0 | 13.94B | 0 |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 92M | 0 |
Other Current Liabilities | -597M | 0 | -397M | 0 | 0 | 0 | 0 | 0 | 13.84B | 0 |
Deferred Taxes | 1000K | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 85.37B | 0 | -3.58B | -3.38B | -1.88B | -1.6B | -1.58B | -1.52B | 62.87B | 76.93B |
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 Equity | 13.42B | 12.45B | 14.19B | 15.32B | 15.51B | 7.63B | 7.48B | 8.49B | 8.75B | 8.81B |
Minority Interest | 1.91B | 1.74B | 447M | 502M | 756M | 755M | 855M | 937M | 1.02B | 1.03B |
Retained Earnings | 1.11B | 1.12B | 1.46B | 1.58B | 2.49B | 1.14B | 1.21B | 1.51B | 1.68B | 1.73B |
Common Stock | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M | 1M |
Accumulated OCI | 3.03B | 2.04B | 3.43B | 4.42B | 3.86B | -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 / Assets | 14.56% | 14.06% | 14.44% | 14.96% | 16.4% | 9.35% | 9.18% | 10.86% | 11.09% | 11.34% |
Debt / Equity | 0.30x | 0.31x | 0.27x | 0.22x | 0.12x | 0.19x | 0.19x | 0.16x | 0.15x | 0.00x |
Book Value per Share | 30.57 | 28.36 | 28.71 | 30.92 | 31.60 | 16.41 | 17.55 | 21.46 | 23.59 | 25.00 |
Tangible BV per Share | 29.97 | 27.66 | 28.31 | 30.62 | 31.33 | 16.01 | 17.13 | 21.46 | 19.28 | 24.49 |
Genworth Financial, Inc. (GNW) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 2.55B | 1.63B | 2.08B | 1.96B | 437M | 1.05B | 597M | 88M | 327M | 384M |
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% | 5.59% |
Net Income | 936M | 297M | 519M | 761M | 864M | 1.05B | 76M | 4M | 350M | 249M |
Depreciation & Amortization | 288M | 269M | 557M | -570M | 0 | 0 | 40M | 130M | 93M | 0 |
Stock-Based Compensation | 42M | 37M | 27M | 39M | 40M | 37M | 49M | 51M | 58M | 62M |
Deferred Taxes | -368M | 5M | 139M | 268M | 275M | 315M | 48M | -103M | -55M | -34M |
Other Non-Cash Items | -363M | -883M | -699M | -646M | -1.76B | -884M | -933M | -618M | -925M | -740M |
Working Capital Changes | 2.02B | 1.91B | 1.54B | 2.11B | 1.01B | 535M | 1.32B | 624M | 806M | 761M |
Cash from Investing | -759M | -622M | 1.3B | -1.15B | 896M | 733M | 1.26B | 861M | 518M | 527M |
Capital Expenditures | 0 | 0 | 0 | 267M | 0 | 0 | 0 | 0 | 0 | 0 |
Acquisitions | -5M | 0 | 1.4B | -267M | -242M | -460M | -384M | 0 | 0 | -163M |
Purchase of Investments | -9.59B | -10.71B | -7.29B | -9.84B | -5.22B | -4.04B | -3.23B | 0 | 0 | -3.03B |
Sale/Maturity of Investments | 8.99B | 10.35B | 7.32B | 8.29B | 6.45B | 5.39B | 4.66B | 0 | 0 | 3.8B |
Other Investing | -157M | -266M | -128M | 387M | -99M | -158M | 215M | 861M | 518M | -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 | -87M | 0 | 0 | 0 | 0 | -21M | 0 | -6M |
Share Repurchases | -33M | 0 | -22M | 0 | 0 | -64M | -296M | -189M | -319M | -293M |
Stock Issued | 0 | 0 | 22M | 0 | 529M | 0 | 0 | 0 | 0 | 0 |
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 Effect | 64M | -88M | 1M | 15M | 1M | 0 | 1M | -1M | 0 | 0 |
Cash at Beginning | 2.78B | 2.88B | 2.18B | 3.34B | 2.66B | 1.57B | 1.8B | 2.21B | 2.05B | 2.04B |
Cash at End | 2.88B | 2.18B | 3.34B | 2.66B | 1.57B | 1.8B | 2.21B | 2.05B | 2.04B | 2.12B |
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 Share | 5.09 | 3.26 | 4.08 | 4.35 | 0.85 | 2.05 | 1.26 | 0.2 | 0.79 | 0.98 |
Genworth Financial, Inc. (GNW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Combined Ratio | 98.31% | 98.26% | 93.23% | 88.7% | 85.37% | 81.54% | 95.89% | 91.67% | 93.2% | 72.77% |
Medical Cost Ratio | 94.77% | 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 / Assets | 14.56% | 14.06% | 14.44% | 14.96% | 16.4% | 9.35% | 9.18% | 10.86% | 11.09% | 11.34% |
Book Value / Share | 30.57 | 28.36 | 28.71 | 30.92 | 31.6 | 16.41 | 17.55 | 21.46 | 23.59 | 25 |
Debt / Equity | 0.30x | 0.31x | 0.27x | 0.22x | 0.12x | 0.19x | 0.19x | 0.16x | 0.15x | 0.00x |
Revenue Growth | -10.16% | 5.02% | -2.33% | 6.57% | -7.46% | -2.67% | -0.34% | -3.09% | -10.86% | -2.93% |
Genworth Financial, Inc. (GNW) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Feb 23, 2026·SEC
Feb 3, 2026·SEC
Genworth Financial, Inc. (GNW) stock FAQ — growth, dividends, profitability & financials explained
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).
Genworth Financial, Inc. (GNW) has a return on equity (ROE) of 2.3%. This is below average, suggesting room for improvement.
Genworth Financial, Inc. (GNW) has a combined ratio of 93.2%. A ratio below 100% indicates underwriting profitability.