Genworth Financial, Inc. (GNW) AI Stock Analysis

Genworth Financial, Inc. provides insurance solutions across the United States and international markets. Established in 1871 and headquartered in Richmond, Virginia, the company operates across three primary business segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment offers individually underwritten and pool mortgage insurance products that protect residential mortgage lenders and borrowers. The U.S. Life Insurance segment provides long-term care insurance, traditional life insurance, and fixed annuities for retirement planning. Its Runoff segment oversees variable annuities, variable life insurance, corporate-owned life insurance, and funding agreements. Distribution occurs through dedicated sales personnel, in-house agents, and digital channels.

Genworth Financial has experienced multi-year revenue contractions. Revenue declined from $7.83B in FY2021 to $7.40B in FY2022, $7.37B in FY2023, $7.14B in FY2024, and $6.37B in FY2025, representing a 10.9% decrease in the latest full fiscal year. Net income was $904.0M in FY2021 and $916.0M in FY2022, before dropping to $76.0M in FY2023, recovering to $299.0M in FY2024, and standing at $223.0M in FY2025 with a net margin of 3.5%. Diluted earnings per share moved from $1.49 in FY2021 to $0.34 in FY2025. Over the trailing twelve months, revenue reached $7.38B with an operating margin of 7.2%, while quarterly revenue grew 5.3% year-over-year in the quarter ended June 30, 2026.

As of June 30, 2026, Genworth Financial reported $47.25B in cash and short-term investments against $1.50B in total debt, resulting in net cash of $45.75B. Total assets stood at $87.36B, shareholders' equity was $8.73B, and the current ratio was 3.38. The company's debt-to-equity ratio was 0.17. In FY2025, operating cash flow and free cash flow both totaled $327.0M. The company deployed capital toward $319.0M in share buybacks and $23.0M in dividends paid, contributing to a 5-year share count change of -25.1%.

Genworth Financial trades at a trailing price-to-earnings multiple of 18.1x, above the 12.1x median of its US-listed Financial Services peers. However, its forward price-to-earnings ratio of 5.1x is below the peer median of 10.8x. GNW trades at a price-to-sales multiple of 0.5x compared to the peer median of 3.2x, and carries a price-to-book ratio of 0.4x. Over the past year, GNW returned 6.5%, lagging the S&P 500 return of 16.8%. Over a 5-year horizon, GNW gained 109.0%, outpacing the S&P 500 return of 83.0%.

Wall Street coverage tracked on Genworth Financial includes 1 Hold rating, with 0 Strong Buy, Buy, Sell, or Strong Sell ratings. The mean price target is $10.50, representing a 15.8% premium over the last close of $9.07 on October 16, 2026. The consensus EPS estimate for the fiscal year ending December 31, 2026, is $1.10, matching the next fiscal year's EPS estimate of $1.10. Over the last four quarters, the company beat EPS estimates 1 time. The next earnings date is November 4, 2026.

This page is an AI-written research summary of Genworth Financial, Inc. (GNW). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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