Genworth Financial, Inc. (GNW) Financial Ratios
24 years of historical data (2002–2025) · Financial Services · Insurance - Life
EV/EBITDA
↑
5.56
↑+44% vs avg
5yr avg: 3.87
30Y Low1.7·High17.4
P/FCF
↑
10.54
↓-11% vs avg
5yr avg: 11.80
30Y Low0.2·High34.9
P/B Ratio
↑
0.38
↑+23% vs avg
5yr avg: 0.31
30Y Low0.1·High1.3
ROE
↓
2.3%
↑-40% vs avg
5yr avg: 3.9%
30Y Low-8%·High10%
Debt/EBITDA
↑
2.88
↑+27% vs avg
5yr avg: 2.27
30Y Low0.8·High16.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GNW Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Genworth Financial, Inc. trades at 16.6x earnings, 10% above its 5-year average of 15.1x, sitting at the 71st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 22%. On a free-cash-flow basis, the stock trades at 10.5x P/FCF, 11% below the 5-year average of 11.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.4B | $3.7B | $3.1B | $3.2B | $2.7B | $2.1B | $1.9B | $2.2B | $2.3B | $1.6B | $1.9B |
| Enterprise Value | $2.9B | $3.2B | $2.5B | $2.5B | $2.5B | $2.4B | $2.8B | $2.9B | $4.5B | $3.3B | $3.7B |
| P/E Ratio → | 16.57 | 16.72 | 10.28 | 41.75 | 4.45 | 2.30 | 2.54 | 4.31 | 19.42 | 1.91 | — |
| P/S Ratio | 0.54 | 0.59 | 0.43 | 0.43 | 0.37 | 0.27 | 0.24 | 0.29 | 0.30 | 0.21 | 0.23 |
| P/B Ratio | 0.38 | 0.38 | 0.33 | 0.38 | 0.32 | 0.13 | 0.12 | 0.15 | 0.16 | 0.10 | 0.13 |
| P/FCF | 10.54 | 11.43 | 34.90 | 5.31 | 2.58 | 4.77 | 0.87 | 1.08 | 1.43 | 0.61 | 1.03 |
| P/OCF | 10.54 | 11.43 | 34.90 | 5.31 | 2.58 | 4.77 | 0.99 | 1.08 | 1.43 | 0.61 | 1.03 |
P/E links to full P/E history page with 30-year chart
GNW EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Genworth Financial, Inc.'s enterprise value stands at 5.6x EBITDA, 44% above its 5-year average of 3.9x. The Financial Services sector median is 11.4x, placing the stock at a 51% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.51 | 0.36 | 0.34 | 0.34 | 0.32 | 0.34 | 0.37 | 0.57 | 0.43 | 0.44 |
| EV / EBITDA | 5.56 | 6.11 | 3.58 | 6.04 | 1.71 | 1.90 | 2.47 | 3.84 | 11.43 | 8.29 | 5.60 |
| EV / EBIT | 6.75 | 5.98 | 3.58 | 6.04 | 1.71 | 1.90 | 2.47 | 3.84 | 11.43 | 8.29 | 5.60 |
| EV / FCF | — | 9.83 | 28.88 | 4.26 | 2.40 | 5.52 | 1.25 | 1.39 | 2.75 | 1.28 | 1.99 |
GNW Profitability
Margins and return-on-capital ratios measuring operating efficiency
Genworth Financial, Inc. earns an operating margin of 6.8%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 4.1% to 6.8% over the past 3 years, signaling improving operational efficiency. ROE of 2.3% is modest, trailing the sector median of 9.0%. ROIC of 3.6% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 24.3% | 24.3% | 7.8% | 4.1% | 18.6% | 13.8% | 12.8% | 9.8% | 4.8% | 5.2% | 7.8% |
| Operating Margin | 6.8% | 6.8% | 8.3% | 4.1% | 18.5% | 14.6% | 11.3% | 6.8% | 1.7% | 1.7% | 3.8% |
| Net Profit Margin | 3.5% | 3.5% | 4.2% | 1.0% | 12.4% | 11.2% | 2.2% | 4.5% | 1.5% | 10.9% | -3.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 2.3% | 2.3% | 3.4% | 0.9% | 7.4% | 5.3% | 1.2% | 2.4% | 0.8% | 5.5% | -1.9% |
| ROA | 0.3% | 0.3% | 0.3% | 0.1% | 1.0% | 0.8% | 0.2% | 0.3% | 0.1% | 0.8% | -0.3% |
| ROIC | 3.6% | 3.6% | 5.4% | 2.9% | 8.3% | 5.0% | 4.4% | 2.5% | 0.6% | 0.6% | 1.5% |
| ROCE | 0.6% | 0.6% | 0.7% | 0.3% | 1.4% | 1.1% | 0.9% | 0.5% | 0.8% | 0.7% | 1.7% |
GNW Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Genworth Financial, Inc. carries a Debt/EBITDA ratio of 2.9x, which is moderately leveraged (33% below the sector average of 4.3x). The company holds a net cash position — cash of $2.0B exceeds total debt of $1.5B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of 5.1x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.15 | 0.15 | 0.16 | 0.19 | 0.19 | 0.12 | 0.22 | 0.27 | 0.31 | 0.30 | 0.32 |
| Debt / EBITDA | 2.88 | 2.88 | 2.14 | 3.76 | 1.10 | 1.49 | 3.03 | 5.30 | 11.03 | 11.64 | 6.95 |
| Net Debt / Equity | — | -0.05 | -0.06 | -0.08 | -0.02 | 0.02 | 0.05 | 0.04 | 0.15 | 0.11 | 0.12 |
| Net Debt / EBITDA | -0.99 | -0.99 | -0.75 | -1.50 | -0.13 | 0.26 | 0.75 | 0.86 | 5.49 | 4.32 | 2.71 |
| Debt / FCF | — | -1.60 | -6.02 | -1.06 | -0.18 | 0.75 | 0.38 | 0.31 | 1.32 | 0.67 | 0.96 |
| Interest Coverage | 5.12 | 5.12 | 6.17 | 3.57 | 13.88 | 7.95 | 5.76 | 3.26 | 1.54 | 1.48 | 1.95 |
Net cash position: cash ($2.0B) exceeds total debt ($1.5B)
GNW Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.91x means Genworth Financial, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.91 | 1.91 | — | — | — | — | — | — | 0.03 | 0.03 | 0.03 |
| Quick Ratio | 1.91 | 1.91 | — | — | — | — | — | — | 0.03 | 0.03 | 0.03 |
| Cash Ratio | 0.58 | 0.58 | — | — | — | — | — | — | 0.74 | 0.76 | 0.73 |
| Asset Turnover | — | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.07 | 0.08 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GNW Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Genworth Financial, Inc. returns 9.3% to shareholders annually primarily through share buybacks. The earnings yield of 6.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 0.7% | — | — | — | — | 3.9% | 4.2% | 6.9% | 7.3% |
| Payout Ratio | — | — | 7.0% | — | — | — | — | 25.4% | 81.5% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.0% | 6.0% | 9.7% | 2.4% | 22.5% | 43.5% | 39.4% | 23.2% | 5.2% | 52.4% | — |
| FCF Yield | 9.5% | 8.7% | 2.9% | 18.8% | 38.8% | 21.0% | 115.2% | 92.7% | 70.0% | 163.8% | 97.5% |
| Buyback Yield | 9.3% | 8.5% | 6.2% | 9.3% | 2.4% | 0.0% | 0.0% | 1.0% | 0.0% | 2.1% | 0.0% |
| Total Shareholder Yield | 9.3% | 8.5% | 6.8% | 9.3% | 2.4% | 0.0% | 0.0% | 4.9% | 4.2% | 9.0% | 7.3% |
| Shares Outstanding | — | $414M | $439M | $475M | $511M | $515M | $512M | $510M | $500M | $501M | $498M |
Peer Comparison
Compare GNW with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GNWYou | $3B | 16.6 | 5.6 | 10.5 | 24.3% | 6.8% | 2.3% | 3.6% | 2.9 |
 RDN | $5B | 8.4 | 7.2 | 14.0 | 92.3% | 61.2% | 12.4% | 8.9% | 1.4 |
 ESNT | $5B | 8.5 | 7.0 | 6.3 | 88.2% | 65.2% | 12.1% | 10.2% | 0.6 |
 NMIH | $3B | 7.6 | 6.1 | 6.9 | 91.8% | 70.8% | 16.2% | 13.5% | 0.8 |
 MTG | $6B | 8.3 | 6.2 | 6.5 | 94.9% | 76.5% | 14.3% | 12.7% | 0.7 |
 PFSI | $4B | 8.9 | 17.9 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 LNC | $7B | 6.4 | 2.6 | — | 57.3% | 7.3% | 12.3% | 12.0% | 4.1 |
 CNO | $5B | 21.6 | 15.0 | 7.1 | 44.8% | 6.5% | 8.9% | 4.0% | 7.7 |
 GL | $13B | 12.1 | 10.0 | 10.7 | 33.4% | 24.4% | 20.6% | 13.4% | 1.6 |
 PFG | $24B | 20.9 | 14.1 | 5.3 | 45.2% | 9.1% | 9.9% | 9.0% | 2.5 |
 UNM | $15B | 21.0 | 17.3 | 26.2 | 38.2% | 7.2% | 6.7% | 4.7% | 3.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 24 years · Updated daily
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GNW — Frequently Asked Questions
Quick answers to the most common questions about buying GNW stock.
What is Genworth Financial, Inc.'s P/E ratio?
Genworth Financial, Inc.'s current P/E ratio is 16.6x. The historical average is 22.2x. This places it at the 71th percentile of its historical range.
What is Genworth Financial, Inc.'s EV/EBITDA?
Genworth Financial, Inc.'s current EV/EBITDA is 5.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.4x.
What is Genworth Financial, Inc.'s ROE?
Genworth Financial, Inc.'s return on equity (ROE) is 2.3%. The historical average is 2.6%.
Is GNW stock overvalued?
Based on historical data, Genworth Financial, Inc. is trading at a P/E of 16.6x. This is at the 71th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Genworth Financial, Inc.'s profit margins?
Genworth Financial, Inc. has 24.3% gross margin and 6.8% operating margin.
How much debt does Genworth Financial, Inc. have?
Genworth Financial, Inc.'s Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.