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Upturn AI SWOT - About
GNW 
Genworth Financial Inc (GNW)
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Upturn Advisory Summary
08/28/2025: GNW (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $9.5
1 Year Target Price $9.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -45.79% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.56B USD | Price to earnings Ratio 17.51 | 1Y Target Price 9.5 |
Price to earnings Ratio 17.51 | 1Y Target Price 9.5 | ||
Volume (30-day avg) 1 | Beta 1.12 | 52 Weeks Range 5.99 - 8.74 | Updated Date 08/28/2025 |
52 Weeks Range 5.99 - 8.74 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.49 |
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 2025-07-30 | When - | Estimate 0.12 | Actual 0.16 |
Profitability
Profit Margin 2.6% | Operating Margin (TTM) 9.67% |
Management Effectiveness
Return on Assets (TTM) 0.44% | Return on Equity (TTM) 3.51% |
Valuation
Trailing PE 17.51 | Forward PE - | Enterprise Value 3244523076 | Price to Sales(TTM) 0.49 |
Enterprise Value 3244523076 | Price to Sales(TTM) 0.49 | ||
Enterprise Value to Revenue 0.46 | Enterprise Value to EBITDA - | Shares Outstanding 410433984 | Shares Floating 401314083 |
Shares Outstanding 410433984 | Shares Floating 401314083 | ||
Percent Insiders 1.94 | Percent Institutions 91.74 |
Upturn AI SWOT
Genworth Financial Inc
Company Overview
History and Background
Genworth Financial, Inc. was founded in 2004 when GE spun off its financial insurance business. It primarily focuses on mortgage insurance and long-term care insurance.
Core Business Areas
- U.S. Mortgage Insurance: Provides mortgage insurance products to lenders, covering losses in case of borrower default.
- Long Term Care Insurance: Offers long-term care insurance policies to individuals, covering costs associated with nursing homes, assisted living, and home healthcare.
- Enact Holdings, Inc.: Genworth holds a significant stake in Enact Holdings, a leading mortgage insurance provider.
Leadership and Structure
Thomas McInerney is the current President and CEO. The organizational structure includes various business units responsible for specific product lines, with central functions like finance, risk management, and legal overseeing operations.
Top Products and Market Share
Key Offerings
- U.S. Mortgage Insurance: Mortgage insurance policies for first-time homebuyers and other borrowers. Enact Holdings (formerly Genworth Mortgage Insurance) is a major player in this market. Market share varies; Enact's market share is significant. Competitors include MGIC Investment Corp (MTG), Radian Group Inc (RDN), and National Mortgage Insurance Holdings (NMIH).
- Long Term Care Insurance: Provides coverage for long-term care services. Due to high claims and regulatory challenges, Genworth has reduced its exposure to this product and is actively managing its existing block of policies. Competitors are limited due to the market's challenges; some include smaller, specialized insurers. No clear revenue from product can be determined.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by housing market trends, interest rates, and regulatory changes. The long-term care insurance industry faces challenges related to rising healthcare costs and aging populations.
Positioning
Genworth is a leading provider of mortgage insurance through its stake in Enact Holdings. Its long-term care insurance business is in runoff, meaning they are not actively selling new policies. The company is focused on managing its existing book of business.
Total Addressable Market (TAM)
The TAM for mortgage insurance is dependent on the overall mortgage origination volume, which can be several hundred billion dollars annually. Genworth, through Enact, captures a percentage of this market. Long term care insurance TAM is declining due to product risks and market exits.
Upturn SWOT Analysis
Strengths
- Strong position in mortgage insurance through Enact Holdings
- Experienced management team
- Established brand recognition
- Significant investment portfolio to support obligations
Weaknesses
- Legacy long-term care insurance business with high claims and liabilities
- Sensitivity to housing market fluctuations
- Regulatory scrutiny and potential for adverse changes
- High debt levels
Opportunities
- Growth in the mortgage insurance market driven by first-time homebuyers
- Potential for new product development in the insurance space
- Strategic partnerships to expand distribution channels
- Favorable changes in regulations that reduces capital requirements
Threats
- Economic downturn leading to increased mortgage defaults
- Competition from other mortgage insurance providers
- Adverse developments in long-term care insurance claims
- Rising interest rates impacting housing affordability
Competitors and Market Share
Key Competitors
- MTG
- RDN
- NMIH
- GNW
Competitive Landscape
Genworth competes with other mortgage insurance companies and companies that offer similar financial products and services. Genworth's main disadvantage is its Long Term Care business which has created regulatory risk. Genworth's main advantage is it's experience.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been impacted by challenges in the long-term care insurance business. The company is currently focused on growing its mortgage insurance business through Enact Holdings.
Future Projections: Future projections depend on the performance of Enact Holdings and the successful management of legacy long-term care insurance obligations. Analyst estimates should be consulted for specific projections.
Recent Initiatives: Recent initiatives include focusing on core businesses such as mortgage insurance through their Enact Holdings investment, cost reductions, liability management, and paying down debt.
Summary
Genworth Financial faces challenges stemming from its legacy long-term care insurance business, but its mortgage insurance business, primarily through Enact Holdings, provides a strong foundation. The company's success hinges on effectively managing its liabilities, capitalizing on opportunities in the housing market, and adapting to regulatory changes. While Genworth has made strides in strengthening its financial position, the long-term care insurance liabilities remain a key concern. Investors should monitor these issues closely for future outlook. The overall business is considered stable but risks remain.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Press Releases
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share information may not be exact and can fluctuate over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Genworth Financial Inc
Exchange NYSE | Headquaters Richmond, VA, United States | ||
IPO Launch date 2004-05-25 | President, CEO & Director Mr. Thomas Joseph McInerney | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 2960 | Website https://www.genworth.com |
Full time employees 2960 | Website https://www.genworth.com | ||
Genworth Financial, Inc., together with its subsidiaries, provides mortgage and long-term care insurance products in the United States and internationally. It operates through three segments: Enact, Long-Term Care Insurance, and Life and Annuities. The Enact segment offers primary mortgage, and mortgage insurance products, and contract underwriting services. The Long-Term Care Insurance segment offers long-term care insurance products that are intended to protect against the significant and escalating costs of long-term care services provided in the insured's home, assisted living, and nursing facilities. The Life and Annuities segment provides protection and retirement income products, that includes traditional and non-traditional life insurance, such as term, universal and term universal life insurance, corporate-owned life insurance, and funding agreements; fixed annuities; and variable annuities. It distributes its products through sales force, sales representatives, and digital marketing programs. The company was founded in 1871 and is headquartered in Richmond, Virginia.
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