Stocks · Financial Services · Insurance - Diversified
Genworth Financial, Inc. GNW
$9.55 +2.58% Close, Oct 2, 2026 · NYSE · Market cap $3.66B
Inexpensive vs sector
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 7.5% in a year, mainly through buybacks.
- The shares trade at 17.9× trailing earnings, higher than 80% of the company's own readings over the past five years.
- Diluted EPS over the last four quarters was $0.54, up 19.5% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 24%
- EPS growth (TTM, YoY)Top 49%
- FCF growth (TTM, YoY)Top 20%
- Revenue growth, 3-year CAGRBottom 3%
- Revenue growth accelerationTop 26%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 42%
- Gross marginBottom 15%
- Operating marginBottom 14%
- Cash conversion (OCF / net income)Top 19%
- Accruals (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 18%
- Interest coverTop 23%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 45%
- Free-cash-flow yieldTop 27%
- EBITDA / enterprise valueTop 9%
- Sales / enterprise valueTop 4%
- P/E vs own 5-year history (lower is better)Bottom 27%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 44%
- 6-month returnTop 31%
- 1-year return vs S&P 500Top 45%
- Distance from 52-week highBottom 50%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 12%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 18%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 36%
- Maximum drawdown, 3 yearsTop 29%
- Beta vs S&P 500 (lower is better)Top 42%
- Net debt / EBITDA (lower is better)Top 18%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -3.7% | -1.1% | ↑ |
| EPS growth (YoY) | 5.5% | 19.5% | ↑ |
| Gross margin | 5.7% | 40.6% | ↑ |
| Operating margin | 6.6% | 5.8% | ↓ |
| FCF margin | 3.2% | 6.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.1% | -3.7% | ↑ | Bottom 24% |
| EPS growth (TTM, YoY) | 19.5% | 5.5% | ↑ | Top 49% |
| Gross margin | 40.6% | 5.7% | ↑ | Bottom 15% |
| Operating margin | 5.8% | 6.6% | ↓ | Bottom 14% |
| Net margin | 3.0% | 2.7% | ↑ | — |
| Free-cash-flow margin | 6.2% | 3.2% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 42% | |
| Revenue growth, 3-year CAGR | -4.9% | — | Bottom 3% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.03×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -0.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.87×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 3.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 8.86%
- Shareholder yield
- 8.86%
- Share count change, 1 year
- -7.5%
- Share count change, 3-year CAGR
- -6.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -21.0%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 5 of 8
Analysts
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 24%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +3.6% | -1.2% | -0.2% | +1.9% | — |
| May 5, 2026 | +60.0% | +0.0% | +2.1% | -3.9% | +12.3% |
| Feb 23, 2026 | -87.5% | -5.5% | -3.9% | -9.0% | +5.7% |
| Nov 5, 2025 | -60.0% | +0.5% | -0.5% | +1.8% | -0.7% |
| Jul 30, 2025 | +166.7% | -0.9% | -0.5% | +7.6% | +5.4% |
| Apr 30, 2025 | -42.9% | -0.1% | +0.0% | +0.1% | +16.4% |
| Feb 18, 2025 | -77.8% | +0.4% | -9.9% | -6.6% | -3.2% |
| Nov 6, 2024 | -42.1% | +8.8% | +12.3% | +16.0% | +11.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.29 | $0.28 | +3.6% | $1.90B |
| May 5, 2026 | $0.28 | $0.18 | +60.0% | $1.78B |
| Feb 23, 2026 | $0.02 | $0.16 | -87.5% | $1.78B |
| Nov 5, 2025 | $0.04 | $0.10 | -60.0% | $1.87B |
| Jul 30, 2025 | $0.16 | $0.06 | +166.7% | $1.73B |
| Apr 30, 2025 | $0.12 | $0.21 | -42.9% | $1.79B |
| Feb 18, 2025 | $0.04 | $0.18 | -77.8% | $1.72B |
| Nov 6, 2024 | $0.11 | $0.19 | -42.1% | $1.88B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 17.9× | 8.5× | 80th | Bottom 45% |
| P/E (forward) | 8.7× | — | — | — |
| EV / EBITDA | 5.7× | — | — | Top 9% |
| EV / Sales | 0.45× | — | — | Top 4% |
| Free-cash-flow yield | 11.76% | — | — | Top 27% |
| Earnings yield | 5.60% | — | — | Bottom 45% |
P/E over the past five years
Range 1.6× – 90.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +8.2%
- Earnings per share growth (TTM)
- +19.5%
- Change in P/E multiple
- +3.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- +1.0%
- 200-day average slope (20 days)
- +1.4%
- Distance from 50-day average
- -3.7%
- Distance from 200-day average
- +4.9%
- RSI (14)
- 44.5
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.7%
- Volatility vs own 5-year history
- 27th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.63
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -9.9%
- Maximum drawdown, 3 years
- -21.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 4, 2020 | Jan 4, 2021 | -43.5% | 19 days | 471 days (Nov 15, 2022) |
| Feb 15, 2023 | May 4, 2023 | -26.1% | 54 days | 157 days (Dec 18, 2023) |
| Nov 25, 2024 | Apr 8, 2025 | -21.7% | 90 days | 51 days (Jun 23, 2025) |
| Dec 27, 2023 | Apr 17, 2024 | -15.5% | 76 days | 91 days (Aug 27, 2024) |
| Sep 14, 2026 | Sep 30, 2026 | -15.4% | 12 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.66B
- P/E (TTM)
- 17.9
- EPS, diluted (TTM)
- $0.54
- Revenue (TTM)
- $6.99B
- 52-week range
- $7.84 – $10.69
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $7.60B | $7.40B | $7.37B | $7.14B | $6.37B |
| Gross profit | $1.05B | $1.37B | $304.0M | $558.0M | $1.55B |
| Operating income | $1.11B | $1.36B | $303.0M | $595.0M | $433.0M |
| Net income | $850.0M | $916.0M | $76.0M | $299.0M | $223.0M |
| EPS (diluted) | $1.76 | $1.19 | $0.16 | $0.68 | $0.54 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.84B | $1.72B | $1.78B | $1.73B | $1.87B | $1.49B | $1.72B | $1.90B |
| Net income | $85.0M | -$1.0M | $54.0M | $51.0M | $116.0M | $2.0M | $47.0M | $47.0M |
| EPS (diluted) | $0.20 | -$0.00 | $0.13 | $0.12 | $0.28 | $0.01 | $0.12 | $0.13 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $437.0M | $1.05B | $597.0M | $88.0M | $327.0M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $437.0M | $1.05B | $597.0M | $88.0M | $327.0M |
| Dividends paid | $0 | $0 | $0 | -$21.0M | $0 |
| Net share buybacks | $529.0M | -$64.0M | -$296.0M | -$189.0M | -$319.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $47.25B
- Total assets
- $87.36B
- Total liabilities
- $77.60B
- Total debt
- $1.50B
- Net debt
- -$486.0M
- Shareholders’ equity
- $8.73B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 8, 2008 | $0.10 | Oct 27, 2008 |
| Jul 9, 2008 | $0.10 | Jul 28, 2008 |
| Apr 9, 2008 | $0.10 | Apr 28, 2008 |
| Jan 9, 2008 | $0.10 | Jan 28, 2008 |
| Oct 10, 2007 | $0.10 | Oct 29, 2007 |
| Jul 10, 2007 | $0.09 | Jul 27, 2007 |
| Apr 10, 2007 | $0.09 | Apr 27, 2007 |
| Jan 10, 2007 | $0.09 | Jan 29, 2007 |
Short interest
- Shares sold short
- 9,721,886
- Days to cover
- 2.07
- Change vs previous report
- +2.8%
FINRA short interest, settlement date Sep 15, 2026.