GNW
GENWORTH FINANCIAL INC
Financials • CIK: 0001276520
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Market Cap
$3.70B
P/E (TTM)
16.5x
Rev Growth (TTM)
-1.7%
Net Margin (TTM)
3.0%
FCF Yield (TTM)
2.6%
FCF Margin (TTM)
1.3%
Cash Flow Health
Free Cash Flow6/8 positive
TTM$95M
Q3 '25
$87M+1350%
Q2 '25
$6M-82%
FCF Margin
TTM1.3%
Q3 '254.5%+1246%
Sector: 22.2%Below Avg
OCF Margin1.3%
OCF/NI0.43x
CapEx Coverage–
FCF Yield2.6%
FCF Growth (2Y)-55%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldTTM
TTM5.5%
Div Yield0.0%
+Buyback (TTM)5.5%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$95.0M
Stock Repurchases (TTM)$205.0M
Capital Return / FCF215.8%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.08x
8Q: 0.08x
Leverage (1+D/E)
1.00x
D/E: 0.00x
Asset & CapEx Efficiency
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $7.3B | $1.9B↑7.7% | $1.8B↑0.6% | $1.8B↑0.2% | $1.8B↓5.2% | $1.9B↑6.3% | $1.8B↓5.1% | $1.9B↓2.5% | $1.9B |
Operating Income | $172.0M | $38.0M↓44.1% | $68.0M↑33.3% | $51.0M↑240.0% | $15.0M↓68.8% | $48.0M↓61.6% | $125.0M↑47.1% | $85.0M↑137.0% | $-230.0M |
Net Income | $220.0M | $116.0M↑127.5% | $51.0M↓5.6% | $54.0M↑5500.0% | $-1.0M↓101.2% | $85.0M↑11.8% | $76.0M↓45.3% | $139.0M↑165.6% | $-212.0M |
Operating Cash Flow | $95.0M | $87.0M↑1350.0% | $6.0M↓82.4% | $34.0M↑206.3% | $-32.0M↓119.9% | $161.0M↑2200.0% | $7.0M↑106.5% | $-107.0M↓729.4% | $17.0M |
Free Cash Flow | $95.0M | $87.0M↑1350.0% | $6.0M↓82.4% | $34.0M↑206.3% | $-32.0M↓119.9% | $161.0M↑2200.0% | $7.0M↑106.5% | $-107.0M↓729.4% | $17.0M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
16.5x
Volatile
8Q: 34.9x+247%
Valuation Lenses
Earnings
16.5x
vs – sector
Cash Flow
18.5x
EV/FCF vs –
Growth-Adj
0.1xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
–
Buyback
5.5%
Total Yield
5.5%
Market Cap$3.70B
EV$1.76B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
26/100
Below Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Bottom 25%
2.5%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
0.43x
OCF / Net Income
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Low Quality
Growth Quality Score
38/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
-1.7%
OpInc Growth YoY
-20.8%
EPS Growth YoY
130.4%
FCF 3Y CAGR
-54.9%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 53.2%
⚠Sustainability Index: 1.0/10 - Growth sustainability concerns
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
—
Operating
—
Net
3.0%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-1.7 pts
FCF: 1.3% | Net: 3.0%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $2.04B
Interest Coverage
–
+Net cash position: $2.04B
Leverage Metrics
Debt-to-Equity
0.00x
Balance sheet risk & solvency analysis