GENWORTH FINANCIAL INC · Life Insurance

GNW

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The short version

A profitable company with steady sales.

Going well

Profitable
Brings in more cash than it spends
Buying back shares: share count down 19% in 3 years

Money moves

No insider buying or selling in the last 30 days
Institutions cut 1.2% from their holdings in the quarter ending June 2026 (172 bought, 166 sold)
Held by Ray Dalio (Bridgewater)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$8.86-0.6% that day

Company value: $3.3B; Share price times all shares
Price vs profit (P/E): 16.7x; You pay about $17 for each $1 of yearly profit
Price vs sales: 0.45x; Company value is 0.45 times a year of sales
Cash vs value: 59%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 45%; Debt as a share of company value

From GNW's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$1.9B+5.8% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $7.4B, up 2.1% from the 12 months before. Over 5 years, sales shrank about 2.5% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of GNW. Starting points are the company's recent numbers.

Sales growth+2% a yearRecently: +2.1% a yearProfit margin3%Last 12 months: 2.9%P/E at the end17xToday: 16.7x. Many steady companies trade at 12x to 25xShare count change-5% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$8.2B

Profit in 5 years$245M

Price these guesses point to$14.25+61% vs $8.86 todayAbout +10.0% a year, before dividends

What today's price needs: with a 3% margin and a 17x P/E, sales could shrink about 7.2% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.2.6%
PassDebt under half of equityNot relying on borrowed money.0.17x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.3.1%
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$327.0M
PassShare count not growingNot diluting owners. Falling means buybacks.-19.0% in 3 years

Revenue: $7.3B; +0.1% vs prior year
5-year growth: -2.5%/yr; revenue, per year
Total debt: $1.5B; 0.17x equity
Free cash flow: $327.0M; 4.5% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.