Genworth Financial Inc Common Stock (GNW)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business. Genworth is a mortgage and long-term-care insurer, with an active mortgage-insurance arm and a closed block of legacy long-term-care policies. That closed block is the key: it can produce reserve surprises, and it is not a wide-moat business. The numbers show a slow grower. For FY2025, revenue was $7.3B and net income $223M, or diluted EPS $0.54. FY2024 had $7.3B revenue and $299M net income, $0.68 per share. FY2023 was $7.5B revenue and $76M net income, $0.16 per share. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $1.9B, net income $47M, and diluted EPS $0.12, roughly matching fiscal Q2 2025's $51M net income and $0.12 EPS. The FairStock P/B of 0.38 at the 2026-10-13 close of $8.89 is the main attraction, but a P/E of 17.43 and ROE of 3.40% tell me book value is not compounding quickly. ROCE of 0.35% is thin, and revenue and profit growth are negative. Leverage, D/E 0.23, is not alarming on its face, but for an insurer I need underwriting and reserve details. Piotroski 6/9 is middling. The Lynch category is SLOW GROWER, based on 4.6% annual profit growth over five years and -2.5% revenue growth. I don't get CET1, net interest margin, or combined ratio here, so credit and underwriting risk cannot be fully judged. A discount to book can be real if reserves are honest; it can be a value trap if they are not. This is a cigar-butt-style situation, not a wonderful business at a fair price.

In plain English: Genworth sells mortgage and long-term care insurance in the United States. It makes money, but results have bounced around from year to year and recent growth has been weak. The stock trades below its accounting value, which can look cheap, but the business earns low returns on shareholder money.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer