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US insurer focused on long-term care insurance, and majority owner of mortgage insurer Enact Holdings.
US insurer focused on long-term care insurance, and majority owner of mortgage insurer Enact Holdings.
Collects premiums on long-term care policies sold years ago and pays claims over decades, so results depend on regulators approving premium increases and on how long policyholders live and claim. Cash reaching the parent comes largely from dividends of Enact, its majority-owned mortgage insurer, which protects lenders against borrower default on low-down-payment loans.
Moat: narrow (scale, regulatory licence). Large legacy LTC book gives rate-action scale, but the block is a run-off liability.
Headquarters: Richmond, Virginia, United States · Founded: 2004 · Employees: 3,100
Size Genworth Financial (GNW) is a United States Financials company (Multi-Line Insurance) with a market value of $3.29B, the 1484th largest of 3,117 United States companies the cockpit tracks. Shares closed at $8.70 on 6 Nov 2026.
Performance Over six months the shares fell 4.7%, against +4.4% for the median peer and -1.1% for the United States market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue fell 0.7% over the last twelve months (peer median +8.8%); the operating margin is 7.2% (peer median 11.7%).
Valuation It trades at 0.38× book value against a peer median of 1.06× (cheapest of 21).
Price implies The share price implies a return on equity of about 5.3%; Genworth Financial delivers 2.3%, so the price asks more than the business earns today.
Credit Genworth Financial has 2 bonds outstanding ($768M), rated B- by the agencies and trading like BB- at a weighted spread of 230 bp.
Short interest Short interest is 2.3% of the free float (15 Oct 2026).
Next results Next results expected around 24 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $6.98B | $6.99B | $7.16B | $6.91B | $7.89B |
| Revenue growth | — | -2% | +4% | -12% | — |
| Net income | $212M | $223M | $299M | $76.0M | $916M |
| Free cash flow | $430M | $327M | $88.0M | $597M | $1.05B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Total debt | $1.50B | $1.56B | $1.56B | $1.63B | $1.66B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Genworth Financial GNW | $3.29B | -5% | -1% | 2% | 0.38× | 5.3% |
| CNO Financial CNO | $5.09B | +20% | +2% | 17% | 2.19× | 16.0% |
| MGIC Investment MTG | $5.87B | +7% | -2% | 14% | 1.18× | 8.9% |
| Radian RDN | $4.76B | -5% | +28% | 12% | 1.00× | 8.3% |
| Essent ESNT | $5.70B | 0% | +4% | 12% | 1.01× | 8.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | GNW | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -10.7% | +3.3% | 2nd lowest of 21 |
| 6-month return | -4.7% | +4.4% | 7th lowest of 21 |
| Return on equity | 2.3% | 13.3% | 3rd lowest of 21 |
| Price / book | 0.38× | 1.06× | cheapest of 21 |
| Trailing P/E | 16.5× | 9.9× | 5th most expensive of 19 |
| ROE the price implies | 5.3% | 8.0% | 4th least demanding of 20 |
| ROE delivered | 2.3% | 13.7% | 3rd lowest of 20 |
| Bond spread | 230 bp | 136 bp | widest of 6 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Genworth Financial GNW | United States | $3.29B | -5% | -1% | 2% | 0.38× | 5.3% | 2.3% |
| F&G Annuities & Life FG | United States | $3.06B | -17% | +14% | 9% | 0.66× | 8.4% | 9.2% |
| Lemonade LMND | United States | $3.06B | -28% | +77% | -27% | 6.12× | 75.0% | -27.0% |
| Hamilton Insurance HG | United States | $3.64B | +20% | +20% | 19% | 1.24× | 8.0% | 19.0% |
| Alm. Brand A/S ALMB.CO | Denmark | $3.70B | +16% | +3% | 9% | 2.19× | 7.3% | 8.8% |
| New India Assurance NIACL.NS | India | $2.74B | -5% | +9% | -1% | 0.62× | 14.0% | -1.3% |
| Skyward Specialty Insurance SKWD | United States | $2.68B | +29% | +38% | 17% | 2.11× | 10.2% | 17.3% |
| Vaudoise Assurances VAHN.SW | Switzerland | $2.66B | -8% | +14% | 6% | 0.78× | n/a | 5.9% |
| Go Digit General Insurance GODIGIT.NS | India | $2.44B | -21% | +9% | 12% | 4.91× | 37.4% | n/a |
| Pelagos Insurance Capital PLGO | United States | $2.29B | +33% | -4% | 18% | 1.03× | 6.5% | 17.6% |
| NIB NHF.AX | Australia | $2.29B | +4% | +5% | 17% | 2.90× | 13.2% | 16.6% |
| Seoul Guarantee Insurance 031210.KS | South Korea | $2.26B | -8% | +14% | 6% | 0.61× | 4.5% | 6.0% |
| CNO Financial CNO | United States | $5.09B | +20% | +2% | 17% | 2.19× | 16.0% | 16.9% |
| Zhongan Online P&C Insurance 6060.HK | Hong Kong | $2.06B | -19% | +16% | 8% | 0.54× | 8.0% | 8.2% |
| White Mountains Insurance WTM | United States | $5.35B | +5% | +21% | 22% | 0.99× | 6.3% | 21.9% |
| Sunshine Insurance 6963.HK | Hong Kong | $5.35B | 0% | +8% | 14% | 0.66× | 5.4% | 13.7% |
| FWD 1828.HK | Hong Kong | $5.54B | +7% | +24% | 4% | 0.92× | 7.3% | 4.1% |
| Sony Financial 8729.T | Japan | $6.06B | +1% | -10% | 14% | 1.08× | 5.1% | 14.4% |
| Korean Reinsurance 003690.KS | South Korea | $1.74B | +8% | -2% | 14% | 0.73× | 4.8% | 14.4% |
| RLI RLI | United States | $6.27B | +39% | +6% | 22% | 3.70× | 15.4% | 22.1% |
| Enact ACT | United States | $6.38B | +5% | +2% | 13% | 1.19× | 7.9% | 12.9% |
Genworth Financial has 2 bonds outstanding with $768M face value. The agencies rate it B-; its bonds trade like BB-. Weighted yield 7.04%, a spread of 230 bp over government bonds.