Genworth Financial Inc (GNW)
NYSE:GNW
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Genworth Financial
(NYSE:GNW)
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Rating:58Neutral
Price Target:
$9.00
▲(3.21% Upside)
Action:ReiteratedDate:02/28/26
GNW scores moderately, led by improving (but still inconsistent) financial performance and a constructive earnings outlook driven by Enact capital returns, buybacks, and CareScout growth. These positives are tempered by ongoing Closed Block/LTC losses and volatility, plus a neutral-to-soft technical picture.
Positive Factors
Enact cash generation & book value
Enact is a durable, high‑cash contributor, delivering meaningful operating income and rising book value. Its recurring capital returns (material cash receipts and expected 2026 repurchases) provide a stable funding source for buybacks, investments and dividends, reducing reliance on core legacy operations.
Negative Factors
Closed Block / LTC losses
Large, persistent losses in Closed Block and LTC are structurally material to earnings and capital. They erode consolidated profitability, consume capital and require ongoing management actions (rate increases, reserve work), making multi-year recovery and margin normalization uncertain without sustained remediations.
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Positive Factors
Negative Factors
Enact cash generation & book value
Enact is a durable, high‑cash contributor, delivering meaningful operating income and rising book value. Its recurring capital returns (material cash receipts and expected 2026 repurchases) provide a stable funding source for buybacks, investments and dividends, reducing reliance on core legacy operations.
Read all positive factors
Genworth Financial (GNW) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.39B
Dividend YieldN/A
Average Volume (3M)4.47M
Price to Earnings (P/E)447.4
Beta (1Y)0.75
Revenue Growth-2.38%
EPS Growth-20.65%
CountryUS
Employees2,960
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.02
Shares Outstanding385,207,180
10 Day Avg. Volume4,134,123
30 Day Avg. Volume4,469,997
Financial Highlights & Ratios
PEG Ratio-0.82
Price to Book (P/B)0.42
Price to Sales (P/S)0.58
P/FCF Ratio11.29
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue0.42
Enterprise Value/Gross Profit4.34
Enterprise Value/Ebitda5.37
Forecast
1Y Price Target
$10.50Price Target Upside20.41% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.44
Revenue Forecast (FY)N/A
Genworth Financial Business Overview & Revenue Model
Company Description
Genworth Financial, Inc. provides insurance products in the United States and internationally. The company operates in three segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment offers mortgage insurance products primarily insuring ...
How the Company Makes Money
Genworth Financial generates revenue through multiple key streams, primarily through premiums collected from its insurance products. The mortgage insurance segment is a significant contributor, where the company insures lenders against default on ...
Genworth Financial Earnings Call Summary
Earnings Call Date:Feb 23, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 05, 2026
Earnings Call Sentiment Positive
The call conveyed meaningful progress on strategic priorities—driven principally by Enact's strong contributions, substantial capital returns, aggressive share repurchases, and rapid early traction at CareScout (network expansion, match growth, product launch and 2026 revenue guidance). These positives were tempered by sizable Closed Block and LTC adjusted operating losses, ongoing quarterly A/E volatility (averaging ~$75M per quarter), limited holding company liquidity and steady Corporate segment losses. On balance, the upside from Enact and the advancing CareScout strategy (including clear 2026 targets and material capital returns) outweighs the near-term GAAP losses and liquidity constraints, supporting a constructive but cautious outlook.Positive Updates
Enact Strong Financial Contribution
Enact contributed $146 million to Genworth's adjusted operating income in Q4 and $558 million for full-year 2025; Genworth's share of Enact book value (including AOCI) rose to $4.4 billion from $4.1 billion year-over-year.
Negative Updates
Closed Block Substantial Losses
Closed Block reported an adjusted operating loss of $114 million in Q4 and $317 million for full-year 2025; LTC specifically had an adjusted operating loss of $159 million in Q4 and $326 million for the year.
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Q4-2025 Updates
Positive
Negative
Enact Strong Financial Contribution
Enact contributed $146 million to Genworth's adjusted operating income in Q4 and $558 million for full-year 2025; Genworth's share of Enact book value (including AOCI) rose to $4.4 billion from $4.1 billion year-over-year.
Read all positive updates
Company Guidance
Genworth's 2026 guidance centers on capital returns, buybacks and CareScout growth: Enact expects to return ~$500M in 2026 (Genworth’s ~81% stake implies ~ $405M to Genworth), building on $407M received in 2025 and $127M in Q4, and Enact’s PMIERs sufficiency was 162%; Genworth plans to repurchase $175–225M of shares in 2026 (after $245M repurchased in 2025, $94M in Q4 at an average $8.66/sh and $38M repurchased through Feb 20, 2026, reducing shares outstanding ~24% from 511M to 388M); CareScout targets ~7,500 matches in 2026, at least $25M of services revenue and $50–55M of investment in services (following an $85M CareScout Insurance investment and ~$50M of services funding in 2025); holding company cash/liquids were $234M (excluding ~$127M held for obligations), holding company debt was $783M with ~8x cash interest coverage.Genworth Financial Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
62
Positive
Cash Flow
54
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 6.37B | 7.14B | 7.37B | 7.40B | 7.60B |
| Gross Profit | 1.55B | 558.00M | 304.00M | 1.37B | 1.05B |
| EBITDA | 631.00M | 710.00M | 421.00M | 1.47B | 1.27B |
| Net Income | 223.00M | 299.00M | 76.00M | 916.00M | 850.00M |
Balance Sheet | |||||
| Total Assets | 88.08B | 86.87B | 90.82B | 89.71B | 99.17B |
| Cash, Cash Equivalents and Short-Term Investments | 8.15B | 7.72B | 49.00B | 48.38B | 62.05B |
| Total Debt | 1.51B | 1.52B | 1.58B | 1.61B | 1.90B |
| Total Liabilities | 78.32B | 77.44B | 82.48B | 81.33B | 82.91B |
| Stockholders Equity | 8.75B | 8.49B | 7.48B | 7.63B | 15.51B |
Cash Flow | |||||
| Free Cash Flow | 327.00M | 88.00M | 597.00M | 1.05B | 437.00M |
| Operating Cash Flow | 327.00M | 88.00M | 597.00M | 1.05B | 437.00M |
| Investing Cash Flow | 518.00M | 861.00M | 1.26B | 733.00M | 896.00M |
| Financing Cash Flow | -857.00M | -1.11B | -1.44B | -1.55B | -2.42B |
Genworth Financial Technical Analysis
Positive
8.72
Price Trends
8.48
Positive
8.61
Positive
8.49
Positive
Market Momentum
0.10
Negative
59.97
Neutral
59.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GNW, the sentiment is Positive. The current price of 8.72 is above the 20-day moving average (MA) of 8.40, above the 50-day MA of 8.48, and above the 200-day MA of 8.49, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 59.97 is Neutral, neither overbought nor oversold. The STOCH value of 59.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GNW.
Genworth Financial Risk Analysis
Genworth Financial disclosed 41 risk factors in its most recent earnings report. Genworth Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Genworth Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $4.18B | 25.62 | 8.60% | 1.54% | 5.28% | -12.76% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $3.88B | 15.25 | 5.75% | 2.91% | 0.16% | -62.88% | |
61 Neutral | $7.18B | 6.91 | 12.03% | 3.93% | -9.46% | -70.45% | |
58 Neutral | $3.39B | 447.44 | 2.54% | ― | -2.38% | -20.65% | |
58 Neutral | $8.04B | 276.83 | 0.26% | 2.98% | 104.31% | -102.85% | |
54 Neutral | $3.58B | 8.55 | 7.20% | ― | 43.23% | 8.68% |
* Financial Sector Average
GNW
Genworth Financial
8.81
1.91
27.68%
CNO
CNO Financial
44.63
7.92
21.56%
LNC
Lincoln National
37.53
6.14
19.55%
BHF
Brighthouse Financial
62.65
5.05
8.77%
JXN
Jackson Financial Incorporation
114.19
35.70
45.49%
FG
F&G Annuities & Life Inc
28.59
-5.91
-17.12%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.