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GNW vs MA

GNW
Genworth Financial, Inc.
NEUTRAL
Price
$8.90
Market Cap
$3.45B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GNW
16.48
MA
30.28
Forward P/E
GNW
22.25
MA
22.05
P/B Ratio
GNW
0.4
MA
57.74
P/S Ratio
GNW
0.47
MA
13.6
EV/EBITDA
GNW
8.4
MA
22.13

Profitability

Gross Margin
GNW
7.36%
MA
100.0%
Operating Margin
GNW
2.41%
MA
57.73%
Profit Margin
GNW
3.05%
MA
45.65%
ROE
GNW
3.65%
MA
209.91%
ROA
GNW
0.38%
MA
23.72%

Growth

Revenue Growth
GNW
0.1%
MA
17.6%
Earnings Growth
GNW
--
MA
24.2%

Financial Health

Debt/Equity
GNW
0.25
MA
2.56
Current Ratio
GNW
10.49
MA
1.03
Quick Ratio
GNW
1.06
MA
0.68

Dividends

Dividend Yield
GNW
--
MA
0.7%
Payout Ratio
GNW
0.0%
MA
18.4%

AI Verdict

GNW NEUTRAL

Genworth Financial presents a classic value trap profile, characterized by a stable Piotroski F-Score of 4/9 and a significant discount to book value (P/B 0.40). While the Graham Number of $16.47 suggests substantial defensive value, this is heavily offset by an intrinsic value of $3.78 and a severe collapse in earnings growth (-63.6% YoY). The company maintains a strong liquidity position with a current ratio of 10.49, but stagnant revenue growth (0.10%) and thin profit margins indicate a lack of operational momentum. The divergence between the low P/B and the crashing EPS suggests the market is pricing in long-term structural headwinds despite recent short-term price gains.

Strengths
Deeply undervalued relative to book value (P/B 0.40)
Strong short-term liquidity with a Current Ratio of 10.49
Low leverage with a Debt/Equity ratio of 0.25
Risks
Severe earnings deterioration with YoY EPS growth of -63.6%
Stagnant top-line growth (Revenue Growth YoY: 0.10%)
Extremely thin profit margins (3.05%) and low ROE (3.65%)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

GNW vs MA: Head-to-Head Comparison

This page compares Genworth Financial, Inc. (GNW) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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