GNW
NEUTRAL
$8.9
Live
Genworth Financial, Inc. · NYSE
Target $10.5
(+18.0%)
$6.56
52W Range
$9.28
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 28, 2026
Market cap
$3.45B
P/E
16.48
ROE
3.6%
Profit margin
3.1%
Debt/Equity
0.25
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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
Graham Number ($16.47) is significantly above current market price
Positive 1-year price performance (+30.9%)
Key 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%)
High earnings volatility with frequent and large misses against estimates
Bearish technical trend score (10/100) despite recent price ticks
AI Fair Value Estimate
Based on comprehensive analysis
$8.25
-7.3% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
42
Moderate
85
20
50
55
0
AI Verdict
Value Trap Risk
Key drivers: Low P/B ratio, Crashing EPS, Stagnant Revenue, Strong Liquidity
Confidence
90%
Value
85/100
Strongly undervalued on an asset basis, but overvalued on a growth-adjusted basis.
Positives
- P/B of 0.40
- Graham Number $16.47
Watchpoints
- Intrinsic value $3.78 is well below current price
Future
20/100
Growth metrics are nearly non-existent or negative.
Positives
- Low PEG ratio (0.31)
Watchpoints
- Revenue growth near 0%
- Forward P/E (22.25) is higher than trailing P/E (16.48), implying expected earnings decline
Past
50/100
Price action has decoupled from fundamental earnings trends.
Positives
- Strong 1Y and 3Y price appreciation
Watchpoints
- Erratic earnings track record over 25 quarters
Health
55/100
Balance sheet is healthy, but operational efficiency is low.
Positives
- Low Debt/Equity
- High Current Ratio
Watchpoints
- Piotroski F-Score of 4/9 is only mediocre
Dividend
0/100
Non-dividend paying stock.
Positives
No standout positives identified.
Watchpoints
- No dividend payments
- 0/100 dividend strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$8.9
Analyst Target
$10.5
Upside/Downside
+18.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for GNW and closest competitors.
Updated 2026-04-27
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
GNW
Genworth Financial, Inc.
Primary
|
+102.3% | +53.2% | +30.9% | +5.7% | +11.4% | +0.6% |
|
AHL
Aspen Insurance Holdings Limite
Peer
|
+14.7% | +14.7% | +14.7% | +16.8% | +0.6% | -0.1% |
|
CNS
Cohen & Steers, Inc.
Peer
|
+17.7% | +24.6% | -8.7% | -3.2% | +9.4% | +1.6% |
|
MCHB
Mechanics Bancorp
Peer
|
-57.9% | +48.2% | +42.3% | +16.6% | +4.9% | -0.8% |
|
PLMR
Palomar Holdings, Inc.
Peer
|
+83.5% | +144.7% | -12.7% | +16.7% | +10.4% | -1.7% |
GNW
Genworth Financial, Inc.
Primary
5Y
+102.3%
3Y
+53.2%
1Y
+30.9%
6M
+5.7%
1M
+11.4%
1W
+0.6%
AHL
Aspen Insurance Holdings Limite
Peer
5Y
+14.7%
3Y
+14.7%
1Y
+14.7%
6M
+16.8%
1M
+0.6%
1W
-0.1%
CNS
Cohen & Steers, Inc.
Peer
5Y
+17.7%
3Y
+24.6%
1Y
-8.7%
6M
-3.2%
1M
+9.4%
1W
+1.6%
MCH
Mechanics Bancorp
Peer
5Y
-57.9%
3Y
+48.2%
1Y
+42.3%
6M
+16.6%
1M
+4.9%
1W
-0.8%
PLM
Palomar Holdings, Inc.
Peer
5Y
+83.5%
3Y
+144.7%
1Y
-12.7%
6M
+16.7%
1M
+10.4%
1W
-1.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
16.48
Forward P/E
22.25
PEG Ratio
0.31
P/B Ratio
0.4
P/S Ratio
0.47
EV/Revenue
0.66
EV/EBITDA
8.4
Market Cap
$3.45B
Profitability
Profit margins and return metrics
Profit Margin
3.05%
Operating Margin
2.41%
Gross Margin
7.36%
ROE
3.65%
ROA
0.38%
Growth
Revenue and earnings growth rates
Revenue Growth
+0.1%
Earnings Growth
N/A
Q/Q Revenue Growth
+0.35%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.25
Low debt
Current Ratio
10.49
Strong
Quick Ratio
1.06
Good
Cash/Share
$5.38
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$1.7B
Net Margin
0.1%
Total Assets
$88.1B
Liabilities
$78.3B
Equity
$8.8B
Debt/Equity
8.95x
Operating CF
$0.2B
Free Cash Flow
$0.2B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2025-11-05
$0.04
-20.0% surprise
2025-07-30
$0.16
+700.0% surprise
2025-04-30
$0.12
-42.9% surprise
Financial Services Sector Comparison
Comparing GNW against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
16.48
This Stock
vs
36.01
Sector Avg
-54.2%
(Discount)
Return on Equity (ROE)
3.65%
This Stock
vs
-0.73%
Sector Avg
-597.4%
(Below Avg)
Profit Margin
3.05%
This Stock
vs
91.62%
Sector Avg
-96.7%
(Weaker)
Debt to Equity
0.25
This Stock
vs
1.36
Sector Avg
-81.9%
(Less Debt)
Revenue Growth
0.1%
This Stock
vs
35.27%
Sector Avg
-99.7%
(Slower)
Current Ratio
10.49
This Stock
vs
3.18
Sector Avg
+229.8%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
GNW
Genworth Financial, Inc.
|
NEUTRAL | $3.45B | 16.48 | 3.6% | 3.1% | $8.9 | |
|
AHL
Aspen Insurance Holdings Limite
|
BEARISH | $3.42B | 5.48 | 14.0% | 14.2% | $37.26 | Compare |
|
CNS
Cohen & Steers, Inc.
|
BEARISH | $3.48B | 22.42 | -% | 27.5% | $67.71 | Compare |
|
MCHB
Mechanics Bancorp
|
NEUTRAL | $3.41B | 12.61 | 10.3% | 41.3% | $15.39 | Compare |
|
PLMR
Palomar Holdings, Inc.
|
BULLISH | $3.51B | 18.33 | 23.6% | 22.5% | $131.41 | Compare |
GNW
Genworth Financial, Inc.
NEUTRAL
Mkt Cap
$3.4B
P/E
16.5
ROE
3.6%
Price
$8.9
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-02 | UPTON JEROME T. CPA | Chief Financial Officer | Stock Award | 83,196 | - |
| 2026-03-02 | HAGERMAN MELISSA | Officer | Stock Award | 49,918 | - |
| 2026-03-02 | KARAWAN GREGORY S. | General Counsel | Stock Award | 49,918 | - |
| 2026-03-02 | HODGES MARK BLAKELEY | Officer | Stock Award | 49,918 | - |
| 2026-03-02 | SALTZGABER KELLY A | Chief Investment Officer | Stock Award | 49,918 | - |
| 2026-03-02 | ARLAND JAMALA M | Officer | Stock Award | 24,959 | - |
| 2026-03-02 | SHAH SAMIR B | Officer | Stock Award | 36,381 | - |
| 2026-03-02 | MCINERNEY THOMAS JOSEPH | Chief Executive Officer | Stock Award | 665,574 | - |
| 2026-02-26 | UPTON JEROME T. CPA | Chief Financial Officer | Stock Award | 80,937 | - |
| 2026-02-26 | HAGERMAN MELISSA | Officer | Stock Award | 45,157 | - |
| 2026-02-26 | KARAWAN GREGORY S. | General Counsel | Stock Award | 52,460 | - |
| 2026-02-26 | HODGES MARK BLAKELEY | Officer | Stock Award | 40,469 | - |
| 2026-02-26 | SALTZGABER KELLY A | Chief Investment Officer | Stock Award | 57,445 | - |
| 2026-02-26 | ARLAND JAMALA M | Officer | Stock Award | 57,148 | - |
| 2026-02-26 | SHAH SAMIR B | Officer | Stock Award | 80,937 | - |
UPTON JEROME T. CPA
Chief Financial Officer
2026-03-02
83,196 shares
HAGERMAN MELISSA
Officer
2026-03-02
49,918 shares
KARAWAN GREGORY S.
General Counsel
2026-03-02
49,918 shares
HODGES MARK BLAKELEY
Officer
2026-03-02
49,918 shares
SALTZGABER KELLY A
Chief Investment Officer
2026-03-02
49,918 shares
ARLAND JAMALA M
Officer
2026-03-02
24,959 shares
SHAH SAMIR B
Officer
2026-03-02
36,381 shares
MCINERNEY THOMAS JOSEPH
Chief Executive Officer
2026-03-02
665,574 shares
UPTON JEROME T. CPA
Chief Financial Officer
2026-02-26
80,937 shares
HAGERMAN MELISSA
Officer
2026-02-26
45,157 shares
KARAWAN GREGORY S.
General Counsel
2026-02-26
52,460 shares
HODGES MARK BLAKELEY
Officer
2026-02-26
40,469 shares
SALTZGABER KELLY A
Chief Investment Officer
2026-02-26
57,445 shares
ARLAND JAMALA M
Officer
2026-02-26
57,148 shares
SHAH SAMIR B
Officer
2026-02-26
80,937 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning GNW from our newsroom.
Newest → oldest
No matching news yet.