GNW
GENWORTH FINANCIAL INC
Next earnings Jul 28, 2026 · consensus $0.10 EPS
Last earnings +0.0% on 2026-05-05
$9.46
▲ +0.64%$9.46▲ +19.90%
over 1Y
L $7.26EODHDH $9.46
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.6%
1W+5.8%
1M+7.0%
3M+18.4%
YTD+5.5%
1Y+19.9%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 6 analysts
Buy
Cheap on price/sales with aggressive buybacks, but earnings quality is deteriorating and ROE is anemic — a value trap risk.
Price $9.29 · current
The read
Middling fundamentals and a rich price (~59% above fair value) leave little margin of safety — a wait-and-see.
Genworth is a tale of two stories sitting at an uncomfortable middle. The headline valuation looks compelling: 0.5x P/S, a $3.60B market cap against $8.75B of book equity (roughly 0.41x P/B implied), and management is shrinking the share count aggressively — shares outstanding fell 7.5% YoY and the company spent $247M on buybacks in FY2025 (up 30.7%). Retained earnings are climbing (+15.2% to $1.68B), and operating cash flow rebounded sharply to $327M (+271.6%). For a sub-$10 stock trading well below book, that buyback cadence is the most tangible bull case.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $7.82B | $7.50B | $7.49B | $7.29B | $7.30B |
| Gross profit | — | — | — | — | — |
| Operating income | $474M | $818M | $41.0M | — | — |
| Net income | $850M | $916M | $76.0M | $299M | $223M |
| Diluted EPS | $1.65 | $1.79 | $0.16 | $0.68 | $0.54 |
| Net margin | 10.9% | 12.2% | 1.0% | 4.1% | 3.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)—
Earnings yield6.1%
FCF yield—
Quality & risk
ROIC (est.)0.3%
Free cash flow—
Total debt$2.44B
Net cash-$407M
Piotroski F-Score5/7
Capital returns
Buyback yield6.7%
Dividend yield (est.)0.0%
Shareholder yield6.7%
Shares Δ YoY-7.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has skewed negative — read the flagged items.
- 8-K Shareholder vote2026-05-21
Annual meeting vote results; directors elected and routine governance items approved
- 10-Q Quarterly report2026-05-06
Q1 2026 10-Q: ongoing buybacks, Enact persistency easing as rates decline
- 8-K Earnings results2026-05-05
Q1 2026 earnings release; Enact steady, buyback program continuing
- 10-K Annual report2026-02-27
FY2025 10-K: Enact loss ratio jumped to 11% from 4%; $247M buybacks, shares -7.5%
- 8-K Earnings results2026-02-23
FY2025 results: net income $223M down 25% YoY, EPS $0.54 vs $0.68
- 8-K Earnings results2026-02-03
Interim financial disclosure ahead of Q4 release; likely Enact capital/special-item update
- 10-Q Quarterly report2025-11-06
Q3 2025 10-Q filing with quarterly financials and Enact segment update
- 8-K Earnings results2025-11-05
Q3 2025 earnings; Enact reserve releases moderating as loss ratio normalizes
- 10-Q Quarterly report2025-07-31
Q2 2025 10-Q; mortgage insurance in-force grew modestly amid rate volatility
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-18open ↗4Period ending 2026-05-272026-05-28open ↗4Period ending 2026-05-222026-05-27open ↗4Period ending 2026-05-222026-05-26open ↗4Period ending 2026-05-212026-05-22open ↗144Filing2026-05-22open ↗144Filing2026-05-22open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-202026-05-21open ↗
Frequently asked
- Is GENWORTH FINANCIAL INC (GNW) a buy?
- GNW currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Cheap on price/sales with aggressive buybacks, but earnings quality is deteriorating and ROE is anemic — a value trap risk.
- What is GNW's fair value?
- A Modified-Graham model based on GNW's SEC fundamentals estimates a fair value of about $3.92. It is an estimate from reported earnings, not a price target.
- Is GNW overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, GNW currently appears overvalued relative to its SEC-grounded earnings power.
- What is GENWORTH FINANCIAL INC's quality score?
- GNW scores 60.882352941176464/100 (grade C+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001276520, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/25/2026, 1:26:22 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.