Genworth Financial, Inc. (GNW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Genworth Financial, Inc. (GNW) trades at $9.91 with AI Score 69/100 (Grade B+). Genworth Financial, Inc. Market cap: $3.80B, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026GNW stock analysis for 2026: Analysts have set a consensus price target of $10.50 for Genworth Financial, Inc., suggesting 6.0% upside from the current price of $9.91. The AI MoonshotScore is 69/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
GNW: 2/3 scored disciplines lean bullish. Dominant signal: Momentum strong.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Genworth Financial, Inc. (GNW) Financial Services Profile
Genworth Financial, Inc., a global financial services firm, specializes in mortgage insurance via its Enact segment and long-term care solutions in the U.S. Life Insurance segment. The company also manages legacy portfolios through its Runoff segment, navigating a competitive insurance landscape with a focus on risk management and financial stability.
What Is the Investment Thesis for GNW?
Genworth Financial presents a mixed investment profile. The company's Enact segment benefits from a strong housing market, driving demand for mortgage insurance. However, the U.S. Life Insurance segment faces challenges related to long-term care insurance liabilities. With a market capitalization of $3.80B and a P/E ratio of 15.7, Genworth's valuation reflects these factors. A key value driver is the successful management of the Runoff segment, reducing legacy liabilities. Ongoing catalysts include favorable developments in the housing market and strategic initiatives to improve the profitability of the long-term care business. Potential risks include adverse claims experience in the long-term care segment and regulatory changes impacting the insurance industry.
Based on FMP financials and quantitative analysis
GNW Key Highlights
- Market capitalization of $3.80B indicates Genworth's current valuation in the financial services sector.
- A P/E ratio of 15.7 reflects investor expectations for Genworth's earnings potential.
- Profit margin of 3.2% demonstrates the company's ability to generate earnings relative to revenue.
- Gross margin of 15.0% indicates the profitability of Genworth's core insurance products and services.
- Beta of 1.00 suggests that Genworth's stock price volatility is similar to the overall market.
Who Are GNW's Competitors?
GNW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HASI HA Sustainable Infrastructure Capital, Inc. | $38.35 | +1.16% | $4.90B | 53 |
| CNO CNO Financial Group, Inc. | $52.60 | -0.90% | $4.91B | 82 |
| FG F&G Annuities & Life, Inc. | $29.12 | -2.48% | $3.86B | 74 |
| AHL Aspen Insurance Holdings Ltd | $37.50 | +0.00% | $3.44B | 50 |
| CNS Cohen & Steers, Inc. | $79.98 | -0.55% | $4.11B | 49 |
| CFIGF Challenger Limited | $5.60 | +0.00% | $3.82B | 47 |
| ELFIF E-L Financial Corporation Limited | $11.94 | -0.50% | $4.13B | 46 |
| WWUEY Wüstenrot & Württembergische AG | $9.01 | +0.00% | $3.38B | 47 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GNW's Key Strengths?
- Strong market position in the mortgage insurance sector through Enact.
- Established distribution network and brand recognition.
- Expertise in managing complex insurance liabilities.
- Diversified product portfolio across multiple segments.
What Are GNW's Weaknesses?
- Exposure to long-term care insurance liabilities.
- Sensitivity to interest rate fluctuations and housing market cycles.
- Legacy runoff business creates drag on earnings.
- Profit margin is relatively low compared to peers.
What Could Drive GNW Stock Higher?
- Favorable housing market trends driving demand for mortgage insurance.
- Strategic initiatives to improve the profitability of the long-term care business.
- Potential regulatory changes that could benefit the insurance industry.
- Successful management of the Runoff segment, reducing legacy liabilities.
What Are the Key Risks for GNW?
- Financial-distress signal — its Altman Z-Score of 0.33 sits in the distress zone (elevated bankruptcy risk).
- Adverse claims experience in the long-term care segment.
- Regulatory changes impacting the insurance industry.
- Economic downturn affecting housing market and consumer spending.
- Increased competition from other insurance providers.
What Are the Growth Opportunities for GNW?
- Expansion of Mortgage Insurance Business (Enact): The Enact segment can capitalize on the growing housing market and increasing demand for mortgage insurance. With home prices expected to rise, more borrowers will require mortgage insurance to qualify for loans. Enact can expand its market share by offering innovative products and services tailored to first-time homebuyers and underserved communities. The U.S. mortgage insurance market is projected to reach $10 billion by 2028, providing a significant growth opportunity for Genworth.
- Strategic Partnerships and Acquisitions: Genworth can pursue strategic partnerships and acquisitions to expand its product offerings and geographic reach. Collaborating with fintech companies can enhance its digital capabilities and improve customer experience. Acquiring smaller insurance companies can provide access to new markets and distribution channels. These initiatives can drive revenue growth and improve profitability. The company should focus on targets that complement its existing business and offer synergies.
- Digital Transformation and Innovation: Investing in digital transformation can improve operational efficiency, reduce costs, and enhance customer engagement. Genworth can leverage data analytics and artificial intelligence to personalize its products and services, improve risk assessment, and streamline claims processing. Developing mobile apps and online portals can provide customers with convenient access to policy information and support. These initiatives can enhance Genworth's competitive advantage and drive long-term growth.
- Long-Term Care Insurance Product Innovation: Genworth can innovate its long-term care insurance products to address the evolving needs of aging populations. Developing hybrid products that combine long-term care coverage with life insurance or annuity features can attract a broader customer base. Offering flexible policy options that allow customers to customize their coverage based on their individual needs and budgets can enhance affordability and accessibility. These innovations can help Genworth regain market share in the long-term care insurance market.
- Geographic Expansion: Genworth can expand its international presence by entering new markets with strong growth potential. Emerging markets in Asia and Latin America offer significant opportunities for mortgage insurance and long-term care insurance products. Adapting its products and services to meet the specific needs of local markets can enhance its competitiveness. Building partnerships with local distributors and financial institutions can facilitate market entry and accelerate growth. This geographic diversification can reduce Genworth's reliance on the U.S. market and improve its overall financial performance.
What Opportunities Does GNW Have?
- Expansion into new geographic markets.
- Strategic partnerships and acquisitions to enhance product offerings.
- Digital transformation to improve efficiency and customer experience.
- Product innovation in long-term care insurance to address evolving needs.
What Threats Does GNW Face?
- Increased competition from other insurance providers.
- Regulatory changes impacting the insurance industry.
- Adverse claims experience in the long-term care segment.
- Economic downturn affecting housing market and consumer spending.
What Are GNW's Competitive Advantages?
- Established brand reputation in the mortgage insurance market.
- Expertise in managing long-term care insurance liabilities.
- Diversified product offerings across multiple insurance segments.
- Strong distribution network through sales force and digital channels.
What Does GNW Do?
Founded in 1871 and headquartered in Richmond, Virginia, Genworth Financial, Inc. has evolved into a prominent provider of insurance products, operating both in the United States and internationally. The company's operations are divided into three key segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment focuses on mortgage insurance, primarily insuring prime-based, individually underwritten residential mortgage loans, as well as pool mortgage insurance products. This segment plays a crucial role in supporting homeownership by mitigating risks for lenders. The U.S. Life Insurance segment offers long-term care insurance products, addressing the growing need for financial protection against the costs associated with long-term care services. Additionally, this segment services traditional life insurance and fixed annuity products in the United States. The Runoff segment manages legacy or discontinued product lines, including variable annuity, variable life insurance, and corporate-owned life insurance, as well as funding agreements. Genworth distributes its products through a multi-channel approach, including its sales force, in-house sales representatives, and digital marketing programs, aiming to reach a broad customer base. Genworth Financial continues to adapt to changing market dynamics and evolving customer needs within the insurance industry.
What Products and Services Does GNW Offer?
- Provides mortgage insurance products through the Enact segment.
- Offers long-term care insurance products in the United States.
- Services traditional life insurance and fixed annuity products.
- Manages variable annuity and variable life insurance policies.
- Handles corporate-owned life insurance.
- Deals with funding agreements.
How Does GNW Make Money?
- Generates revenue from premiums paid on mortgage insurance policies.
- Earns revenue from premiums on long-term care insurance policies.
- Receives investment income from its investment portfolio.
- Manages runoff portfolios to reduce liabilities and generate cash flow.
What Industry Does GNW Operate In?
Genworth Financial operates within the insurance industry, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by macroeconomic factors such as interest rates, housing market trends, and demographic shifts. Genworth's competitors include companies like HA Sustainable Infrastructure Capital, Inc. (HASI), CNO Financial Group, Inc. (CNO), and F&G Annuities & Life, Inc. (FG). The market is seeing increasing demand for mortgage insurance due to rising home prices and stringent lending standards. Long-term care insurance faces challenges related to rising healthcare costs and aging populations. Genworth aims to differentiate itself through its diversified product offerings and risk management expertise.
Who Are GNW's Key Customers?
- Homebuyers seeking mortgage insurance.
- Individuals planning for long-term care expenses.
- Financial institutions requiring mortgage insurance for their loan portfolios.
- Corporations holding corporate-owned life insurance policies.
GNW Valuation & Market Position
With a $3.80B market cap, Genworth Financial, Inc. sits in the mid-cap segment of the market. Relative to its peer group, GNW's quantitative score of 69/100 is roughly in line with the peer average of 62/100.
FY2026 estForward Outlook
Wall Street analysts project Genworth Financial, Inc. revenue of about $6.10B for fiscal 2026, with EPS near $1.09.
F-Score 8/9Financial Health
Genworth Financial, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.33 places it in the distress zone, a signal of elevated financial risk.
ROE 2%Key Financial Metrics
Return on equity for Genworth Financial, Inc. stands at 2.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.2%, showing how much profit it generates from its asset base. GNW trades at a trailing price-to-earnings ratio of 15.66, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.90 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 5.9%, the inverse of the P/E and a quick read on earnings relative to price.
GNW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Genworth's strategy and future performance, indicating a belief in the company's potential growth.
- Community sentiment has turned more positive, with discussions highlighting the company's strong position in the long-term care insurance market.
- Analysts have noted improvements in operational efficiency, which could enhance profitability and attract investor interest.
- The recent regulatory changes may provide a more favorable environment for Genworth, potentially leading to increased demand for its services.
Bear Case
- Concerns over rising interest rates may impact Genworth's investment income, raising worries among investors about future earnings.
- Negative social sentiment has surfaced, with some community members expressing doubts about the sustainability of the company's growth amid market volatility.
- Increased competition in the insurance sector could pressure Genworth's market share, leading to potential revenue challenges.
- Recent earnings reports have not met market expectations, fueling skepticism about the company's ability to execute its growth plans.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GNW Latest News
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Earnings Scheduled For May 5, 2026
benzinga · May 5, 2026
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Earnings Scheduled For August 8, 2023
benzinga · Aug 8, 2023
GNW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GNW.
Price Targets
Consensus target: $10.50
GNW MoonshotScore
What does this score mean?
The MoonshotScore rates GNW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Thomas Joseph McInerney
CEO
Thomas Joseph McInerney serves as the CEO of Genworth Financial, bringing extensive experience in the financial services and insurance industries. Prior to joining Genworth, he held leadership positions at ING U.S. Financial Services, where he oversaw various business lines. McInerney's career also includes roles at Aetna Financial Services and McKinsey & Company. He holds an MBA from the Tuck School of Business at Dartmouth College and a bachelor's degree from Colgate University.
Track Record: Since assuming the role of CEO, Thomas Joseph McInerney has focused on strengthening Genworth's financial position and improving the performance of its core businesses. Key initiatives include managing the runoff segment to reduce liabilities and driving growth in the Enact mortgage insurance business. McInerney has also emphasized digital transformation and innovation to enhance customer experience and improve operational efficiency.
Common Questions About GNW (Financial Services)
What does the AI Score mean for GNW?
GNW holds an AI Score of 69/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. Genworth Financial, Inc. is a financial services company providing insurance products, including mortgage insurance and long-term care insurance, both in the U.S. and internationally. The company …
What does Genworth Financial, Inc. do?
Genworth Financial, Inc. is a financial services company that provides a range of insurance products, operating primarily through three segments: Enact, U.S. Life Insurance, and Runoff. The Enact segment focuses on mortgage insurance, insuring residential mortgage loans. The U.S. Life Insurance segment offers long-term care insurance and services traditional life insurance and fixed annuity products.
What do analysts say about GNW stock?
Analyst coverage of Genworth Financial (GNW) reflects a mixed outlook, acknowledging both the opportunities and challenges facing the company. Key valuation metrics, such as the P/E ratio of 15.7, are considered in the context of the company's growth prospects and risk profile.
What are the main risks for GNW?
Genworth Financial faces several key risks, primarily related to its long-term care insurance business and exposure to macroeconomic factors. Adverse claims experience in the long-term care segment could significantly impact profitability and capital reserves. Regulatory changes in the insurance industry could also pose challenges, requiring adjustments to product offerings and business practices.
What are the key factors to evaluate for GNW?
Genworth Financial, Inc. (GNW) holds an AI score of 69/100 (moderate). P/E: 15.7x vs the S&P 500's ~20-25x. Analysts target $10.50 (+6%). Not financial advice.
How frequently does GNW data refresh on this page?
GNW's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven GNW's recent stock price performance?
Genworth Financial, Inc. (GNW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in the mortgage insurance sector through Enact. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GNW overvalued or undervalued right now?
Genworth Financial, Inc. (GNW) trades at 15.7x earnings. Analysts target $10.50 (+6%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research GNW before investing?
Before investing in Genworth Financial, Inc. (GNW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.