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Earnings transcript
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GNW
Genworth Financial, Inc.
$9.07
0.13
(1.45%)
| Exchange: | NYSE |
| Market Cap: | 3.427B |
| Shares Outstanding: | 485.714M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Insurance – DiversifiedView industry performance | |||||
| CEO: | Tom McInerney | |||||
| Full Time Employees: | 3100 | |||||
| Address: |
| |||||
| Website: | https://www.genworth.com |
Genworth Financial, Inc., together with its subsidiaries, provides mortgage and long-term care insurance products in the United States. It operates through two segments: Enact and Closed Block. The company offers primary mortgage, and mortgage insurance products, and contract underwriting services. It also provides long-term care insurance products that are intended to protect against the significant and escalating costs of long-term care services provided in the insured’s home, assisted living, and nursing facilities. In addition, the company offers protection and retirement income products, that includes traditional and non-traditional life insurance, such as term, universal and term universal life insurance, corporate-owned life insurance, and funding agreements; fixed annuities; and variable annuities. It distributes its products through sales force, sales representatives, and digital marketing programs. Genworth Financial, Inc. was founded in 1871 and is headquartered in Glen Allen, Virginia.
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Revenue Segmentation
GNW full analysis
Welcome to MARKETSNAP’s SWOT analysis for Genworth Financial, also known by its ticker GNW. If you’re a long-term investor looking to dig into the potential of this company, you’ve come to the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats surrounding Genworth Financial, a player in the insurance and financial services space. Whether you’re already holding shares or just eyeing a position, stick around as we unpack what’s driving this stock and what could shape its…
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| GNW | Genworth Financial, Inc. | 3.4B | 17.2 | 8.3 | 0.9% |
 PLGO | Pelagos Insurance Capital Limit | 2.1B | 5.9 | 8.3 | 3.7% |
 WTM | White Mountains Insurance Group, Ltd. | 5.2B | 4.7 | 20.3 | 8.6% |
 XZO | Exzeo Group, Inc. | 1.5B | 17.2 | 16.9 | 27.1% |
 IGIC | International General Insurance Holdin… | 1.0B | 9.9 | 10.2 | 15.3% |
 AXS | AXIS Capital Holdings Limited | 7.3B | 6.1 | 8.1 | 79.4% |
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 7,371,000 | 7,143,000 | 6,367,000 |
| Gross Profit | 304,000 | 558,000 | 1,546,000 |
| EBITDA | 461,000 | 840,000 | 631,000 |
| Operating Income | 303,000 | 595,000 | 433,000 |
| Net Income | 76,000 | 299,000 | 223,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 90,817,000 | 86,871,000 | 8,928,000 |
| Total Liabilities | 82,482,000 | 77,440,000 | 178,000 |
| Total Stockholders Equity | 7,480,000 | 8,494,000 | 8,750,000 |
| Total Debt | 1,584,000 | 1,518,000 | 0 |
| Cash and Cash Equivalents | 2,215,000 | 2,048,000 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 597,000 | 88,000 | 327,000 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 597,000 | 88,000 | 327,000 |
| Net Income | 76,000 | 427,000 | 350,000 |
| Net Change in Cash | 416,000 | -167,000 | -12,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 5,590,690.584 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 5,590,690.584 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 5,590,690.584 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 654,597.646 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 654,597.646 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 654,597.646 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 479,515.501 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 479,515.501 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 479,515.501 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 0 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 1.160 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 1.160 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 1.160 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Long-Term Stock Performance: GNW has delivered a remarkable 121.70% return over the past 5 years, significantly outperforming the broader market and reflecting investor confidence in its long-term value proposition within the life insurance sector.
- Robust Gross Profit Margin: The company maintains an exceptionally high gross profit margin of 97.66% (TTM), indicating efficient cost management and strong pricing power in its core insurance products, particularly in long-term care and life insurance segments.
- Solid Free Cash Flow Yield: With a free cash flow yield of 8.14% (TTM), GNW demonstrates a healthy ability to generate cash relative to its market capitalization, providing flexibility for reinvestment or debt management.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates GNW intrinsic value between $10.74 – $15.28 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about GNW valuation
Is Genworth Financial, Inc. (GNW) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Genworth Financial, Inc. (GNW) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is GNW a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GNW trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is GNW’s P/E ratio?
You can see GNW’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for GNW?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is GNW a good long-term investment?
Whether GNW fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
GNW
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Daily snapshot
1.45
Trading Metrics:
| Open: | 9.01 | Previous Close: | 8.94 | |
| Day Low: | 8.94 | Day High: | 9.1 | |
| Year Low: | 7.84 | Year High: | 10.69 | |
| Price Avg 50: | 9.81 | Price Avg 200: | 9.11 | |
| Volume: | 2.757M | Average Volume: | 3.435M |
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