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Genworth Financial, Inc. GNW

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8.70 USD -0.21 (-2.36%)

At closeNov 6, 2026, 4:05 PM EST

8.70 0.00 0.00%

After hours · Nov 6, 4:05 PM ET

8.69 Day range 8.94
7.84 52-week range 10.69
YTD
-3.65%
1 year
+1.28%

Financial health

Altman Z-Score

0.80 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C+2 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 5

Valuation

P/E 16.4×
FY 2016: -6.8×FY 2017: 1.9×FY 2018: 19.4×FY 2019: 4.3×FY 2020: 2.5×FY 2021: 2.3×FY 2022: 4.4×FY 2023: 41.8×FY 2024: 10.1×FY 2025: 16.4×
FY 2016 5y median 10.1× FY 2025
P/S 0.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
P/B 0.4×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
P/FCF 11.3×
FY 2016: 1.0×FY 2017: 0.6×FY 2018: 1.4×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 4.7×FY 2022: 2.5×FY 2023: 5.2×FY 2024: 34.5×FY 2025: 11.3×
FY 2016 5y median 5.2× FY 2025
EV/EBITDA 5.0×
FY 2016: 3.6×FY 2017: 4.8×FY 2018: 6.8×FY 2019: 2.2×FY 2020: 1.7×FY 2021: 1.9×FY 2022: 1.7×FY 2023: 5.4×FY 2024: 3.0×FY 2025: 5.0×
FY 2016 5y median 3.0× FY 2025
EV/Sales 0.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.6×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
FCF Yield 8.9%
FY 2016: 98.0%FY 2017: 164.6%FY 2018: 70.0%FY 2019: 94.0%FY 2020: 116.6%FY 2021: 21.3%FY 2022: 39.3%FY 2023: 19.1%FY 2024: 2.9%FY 2025: 8.9%
FY 2016 5y median 19.1% FY 2025

Profitability

Gross Margin 24.3%
FY 2016: 7.8%FY 2017: 5.2%FY 2018: 4.8%FY 2019: 9.8%FY 2020: 12.8%FY 2021: 13.8%FY 2022: 18.6%FY 2023: 4.1%FY 2024: 7.8%FY 2025: 24.3%
FY 2016 5y median 13.8% FY 2025
Operating Margin 6.8%
FY 2016: 3.8%FY 2017: 1.7%FY 2018: 1.7%FY 2019: 6.8%FY 2020: 11.3%FY 2021: 14.6%FY 2022: 18.5%FY 2023: 4.1%FY 2024: 8.3%FY 2025: 6.8%
FY 2016 5y median 8.3% FY 2025
Net Margin 3.5%
FY 2016: -3.3%FY 2017: 10.9%FY 2018: 1.5%FY 2019: 4.5%FY 2020: 2.2%FY 2021: 11.2%FY 2022: 12.4%FY 2023: 1.0%FY 2024: 4.2%FY 2025: 3.5%
FY 2016 5y median 4.2% FY 2025
ROE 2.5%
FY 2016: -2.2%FY 2017: 6.1%FY 2018: 1.0%FY 2019: 2.4%FY 2020: 1.2%FY 2021: 5.5%FY 2022: 12.0%FY 2023: 1.0%FY 2024: 3.5%FY 2025: 2.5%
FY 2016 5y median 3.5% FY 2025
ROIC 0.5%
FY 2016: 0.1%FY 2017: -0.3%FY 2018: -0.2%FY 2019: 96.4%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.5%
FY 2016 5y median 0.0% FY 2025
ROA 0.3%
FY 2016: -0.3%FY 2017: 0.8%FY 2018: 0.1%FY 2019: 0.3%FY 2020: 0.2%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 0.1%FY 2024: 0.3%FY 2025: 0.3%
FY 2016 5y median 0.3% FY 2025

Growth (YoY)

Revenue -10.9%
FY 2016: -2.2%FY 2017: -10.2%FY 2018: 5.0%FY 2019: -2.3%FY 2020: 6.6%FY 2021: -7.5%FY 2022: -2.7%FY 2023: -0.3%FY 2024: -3.1%FY 2025: -10.9%
FY 2016 FY 2025
Operating Income -27.2%
FY 2016: 2233.3%FY 2017: -60.3%FY 2018: 7.9%FY 2019: 281.0%FY 2020: 77.8%FY 2021: 19.8%FY 2022: 22.8%FY 2023: -77.8%FY 2024: 96.4%FY 2025: -27.2%
FY 2016 FY 2025
EPS (diluted) -20.6%
FY 2016: 54.8%FY 2017: 391.1%FY 2018: -85.3%FY 2019: 325.0%FY 2020: 46.1%FY 2021: 18.1%FY 2022: -32.4%FY 2023: -86.6%FY 2024: 325.0%FY 2025: -20.6%
FY 2016 FY 2025
Free Cash Flow 271.6%
FY 2016: 16.4%FY 2017: 37.9%FY 2018: -36.1%FY 2019: 27.3%FY 2020: 7.1%FY 2021: -80.4%FY 2022: 140.0%FY 2023: -43.1%FY 2024: -85.3%FY 2025: 271.6%
FY 2016 FY 2025

Financial Health

Current Ratio 1.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.9×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 1.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.9×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -0.8×
FY 2016: 1.8×FY 2017: 2.5×FY 2018: 3.3×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.3×FY 2022: -0.1×FY 2023: -1.4×FY 2024: -0.6×FY 2025: -0.8×
FY 2016 5y median -0.6× FY 2025
Interest Coverage 4.1×
FY 2016: 0.9×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 2.3×FY 2020: 4.8×FY 2021: 7.0×FY 2022: 12.9×FY 2023: 2.6×FY 2024: 5.2×FY 2025: 4.1×
FY 2016 5y median 5.2× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 7.3%FY 2017: 6.9%FY 2018: 4.2%FY 2019: 3.9%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.7%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: -49.8%FY 2017: 13.1%FY 2018: 81.5%FY 2019: 25.4%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 7.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31