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Upturn AI Summary - About
Genworth Financial Inc(GNW)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for GNW
11/09/2026: GNW (1-star) is currently NOT-A-BUY. Pass it for now.
Genworth Financial is a specialized insurance company that primary generates value through its majority-owned subsidiary, Enact, a leader in the private mortgage insurance market. The company is currently in a multi-year effort to manage its legacy long-term care insurance liabilities while capitalizing on housing demand. Its main strength lies in the strong cash flow generated by its mortgage insurance business, while its primary challenge remains the volatility associated with its legacy insurance blocks. Genworth often appeals to value-oriented investors who monitor the company's ability to reduce risk from its legacy portfolio. Key developments to watch include housing market trends and progress on capital return initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | Genworth is a mature, complex turnaround play rather than a high-growth stock. |
| Momentum investor | Mixed fit | Momentum is conditional on housing market strength and progress in legacy block management. |
| Value investor | Strong fit | The stock often trades at a discount to book value, appealing to those seeking deep-value plays. |
| Dividend investor | Weak fit | The company does not currently provide a consistent dividend income stream. |
| Low-risk investor | Weak fit | The legacy long-term care liabilities introduce significant volatility and regulatory risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock reacts sharply to changes in interest rates and housing market data. |
| Valuation risk | Medium | Market perception of long-term care reserves can lead to significant valuation swings. |
| Competition risk (Mortgage Insurance) | Medium | Intense pricing pressure from peers like MGIC and Essent affects profitability. |
| Business quality | Medium | The reliance on legacy assets lowers the overall quality of the business model. |
| Dividend income | Low / none | Investors should not expect immediate income from this stock. |
| Execution risk | Medium / high | Successfully managing the long-term care block remains a complex, multi-year challenge. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -38.58% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.19B USD | Price to earnings Ratio 87 | 1Y Target Price 10.5 |
Price to earnings Ratio 87 | 1Y Target Price 10.5 | ||
Volume (30-day avg) 3.8M shares | Beta 0.86 | 52 Weeks Range 7.84 - 10.69 | Updated Date 11/08/2026 |
52 Weeks Range 7.84 - 10.69 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.1 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Enact (Mortgage Insurance) | Private mortgage insurance premiums. | The primary profit driver, benefiting when more people buy homes. |
| Legacy Insurance | Long-term care and life insurance policies. | A complex segment requiring careful management of insurance claims. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate 0.27 | Actual 0.27 |
Profitability
Profit Margin 0.76% | Operating Margin (TTM) 1.39% |
Management Effectiveness
Return on Assets (TTM) 0.24% | Return on Equity (TTM) 1.73% |
Valuation
Trailing PE 87 | Forward PE 5.11 | Enterprise Value 2.46B | Price to Sales(TTM) 0.44 |
Enterprise Value 2.46B | Price to Sales(TTM) 0.44 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA - | Shares Outstanding 366.21M | Shares Floating 357.80M |
Shares Outstanding 366.21M | Shares Floating 357.80M | ||
Percent Insiders 1.86 | Percent Institutions 92.35 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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