Genworth Financial (GNW) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Genworth Financial

NYSE•Financial Services•Insurance - Life

$10.09+0.08(0.01%)Pre-market

Market Cap

$3.90B

P/E

18.4x

P/S

0.5x

P/B

0.4x

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.

How this company scores

GoodMetricSide Score: 71/100

Strongest: Cash & Earnings Quality (23/25); weakest: Profitability (12/25).

Profitability12/25

Growth16/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowLow leverageConsistent free cash flowProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 18.4x5y range 3.4x – 40.3x

Currently above its 20-quarter median.

P/S · 0.5x5y range 0.4x – 0.5x

Currently near its 20-quarter median.

P/B · 0.4x5y range 0.2x – 0.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $3.90B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $7.40B
Q. Revenue: $1.90B
TTM EBITDA: $739.00M
TTM Op. Income: $402.00M
Q. Op. Income: $109.00M
TTM Net Income: $212.00M
Q. Net Income: $47.00M
EPS: $0.12
Shares Out.: $381.30M

$7.40B in TTM revenue grew 2.1% YoY, reaching $1.90B last quarter. TTM EBITDA of $739.00M and TTM operating income of $402.00M show growth is flowing through to the bottom line. TTM net income of $212.00M means revenue is converting into profit. Over the past year, TTM revenue is up 2% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 8.6%
Op. Margin: 5.7%
Net Margin: 2.5%

Op. margin of 5.7% is up 1.9% YoY — cost efficiency is improving. Net margin at 2.5% Over the past year, operating margin is up 51% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 18.4x
P/S Ratio: 0.5x
P/B Ratio: 0.4x

At 18.4x P/E, the stock trades within typical market levels. P/S of 0.5x and P/B of 0.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 8% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $87.36B
Cash: $1.99B
Long-Term Debt: $1.50B
Book Value: $8.73B
D/E Ratio: 0.2
Debt/EBITDA: 9.2

With $87.36B in assets and $1.50B in long-term debt, D/E is 0.2and book value is $8.73B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 1% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $52.00M
TTM Free Cash Flow: $430.00M
FCF Margin: 5.8%
FCF / Net Income: 2.0

TTM FCF of $430.00M on $52.00M in operating cash flow. The FCF / Net Income ratio of 2.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.