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GNW 
Genworth Financial Inc (GNW)
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Upturn Advisory Summary
11/05/2025: GNW (1-star) is currently NOT-A-BUY. Pass it for now.
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 $10
1 Year Target Price $10
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -46.73% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.52B USD | Price to earnings Ratio 17.49 | 1Y Target Price 10 |
Price to earnings Ratio 17.49 | 1Y Target Price 10 | ||
Volume (30-day avg) 1 | Beta 1.02 | 52 Weeks Range 5.99 - 9.15 | Updated Date 11/5/2025 |
52 Weeks Range 5.99 - 9.15 | Updated Date 11/5/2025 | ||
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 2025-11-05 | When - | Estimate 0.06 | Actual - |
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 17.49 | Forward PE - | Enterprise Value 3375861932 | Price to Sales(TTM) 0.48 |
Enterprise Value 3375861932 | Price to Sales(TTM) 0.48 | ||
Enterprise Value to Revenue 0.48 | Enterprise Value to EBITDA - | Shares Outstanding 410433925 | Shares Floating 401400274 |
Shares Outstanding 410433925 | Shares Floating 401400274 | ||
Percent Insiders 1.73 | Percent Institutions 91.29 |
Upturn AI SWOT
Genworth Financial Inc
Company Overview
History and Background
Genworth Financial, Inc. was founded in 2004 when GE spun off its insurance and investment businesses. It provides mortgage insurance and long-term care insurance products.
Core Business Areas
- U.S. Mortgage Insurance: Provides mortgage insurance products to lenders, primarily covering first-lien residential mortgages.
- Canada Mortgage Insurance: Provides mortgage insurance products to lenders in Canada.
- Runoff: Includes long-term care insurance (LTC) and life insurance, businesses that are no longer actively selling new policies.
Leadership and Structure
Thomas J. McInerney is the President and CEO. The company has a board of directors and operates through various business segments.
Top Products and Market Share
Key Offerings
- Mortgage Insurance: Provides insurance to lenders against losses from borrower defaults. Genworth is a major player in the US mortgage insurance market. Competitors include MGIC, Radian, and Essent. Market share fluctuates but typically resides in the 15%-25% range.
- Long-Term Care Insurance (Runoff): Provides coverage for long-term care services. While no longer actively selling new policies, Genworth manages its existing LTC portfolio. Competitors are varied for existing policies with many firms not writing new LTC policies.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by housing market conditions, interest rates, and government regulations. The long-term care insurance industry faces challenges related to rising healthcare costs and aging demographics.
Positioning
Genworth is a significant player in the mortgage insurance market, though it faces challenges managing its legacy LTC portfolio. Its competitive advantage stems from its established relationships with lenders and its expertise in risk management.
Total Addressable Market (TAM)
The TAM for mortgage insurance is tied to the overall mortgage origination market, estimated at trillions of dollars annually. Genworth is positioned to capture a share of this market through its lender relationships.
Upturn SWOT Analysis
Strengths
- Established Relationships with Lenders
- Expertise in Risk Management
- Strong Brand Recognition in Mortgage Insurance
Weaknesses
- Legacy Long-Term Care Insurance Business (Runoff)
- Sensitivity to Housing Market Fluctuations
- Regulatory Scrutiny
Opportunities
- Expansion into New Mortgage Insurance Products
- Strategic Partnerships
- Capital Deployment for Profitable Growth
Threats
- Increased Competition in Mortgage Insurance
- Changes in Government Regulations
- Economic Downturns
- Rising Healthcare Costs (LTC)
Competitors and Market Share
Key Competitors
- MTG
- RDN
- ESNT
Competitive Landscape
Genworth competes primarily on price and service in the mortgage insurance market. It faces challenges related to its legacy LTC business.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been mixed due to challenges in the LTC business.
Future Projections: Future growth is dependent on the performance of the mortgage insurance segment and the management of the LTC portfolio. Analyst estimates are needed for specific projections.
Recent Initiatives: Recent initiatives focus on strengthening the mortgage insurance business and managing the LTC portfolio.
Summary
Genworth Financial is a major player in the mortgage insurance market but faces challenges with its legacy LTC portfolio. Its strength lies in established lender relationships, but it needs to effectively manage its runoff business and navigate regulatory pressures. The company must adapt to changing housing market conditions and competitive pressures to ensure sustainable growth. Future success hinges on strategic capital deployment and expansion in profitable areas.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change. Financial data not available to fully update.
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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