GNW
Financial ServicesGenworth Financial, Inc. · Insurance - Life · $3B
What is Genworth Financial, Inc.?
Genworth Financial is a mid-cap insurance holding company headquartered in Richmond, Virginia, with roots stretching back to 1871. It operates across mortgage insurance, long-term care insurance, and several runoff businesses.
Genworth generates revenue through three main segments. The Enact segment provides private mortgage insurance on residential loans, protecting lenders against borrower default. The U.S. Life Insurance segment manages long-term care insurance policies alongside traditional life and fixed annuity products. The Runoff segment houses legacy variable annuity, variable life, and corporate-owned life insurance businesses that are no longer actively sold but continue to generate obligations and cash flows.
Genworth Financial was incorporated in 2004 and is headquartered in Richmond, Virginia.
- Private mortgage insurance through the Enact segment
- Long-term care insurance products
- Traditional life insurance and fixed annuities
- Variable annuity and variable life runoff products
- Corporate-owned life insurance and funding agreements
Is GNW a Good Stock to Buy?
UQS Score rates GNW as Below Average overall, reflecting meaningful structural challenges across several key pillars.
The Risk and Valuation pillars are the relative bright spots in Genworth's profile. The Risk pillar rating of Good suggests the company's financial obligations and balance sheet carry less near-term stress than the broader profile might imply, while the Good Valuation label indicates the stock may not be pricing in a premium relative to its fundamentals.
The Quality, Moat, and Growth pillars all register as Weak — pointing to limited competitive differentiation, constrained earnings power, and little evidence of meaningful business expansion.
Pro members can view the full pillar breakdown and underlying financial metrics to understand exactly where Genworth stands. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does GNW pay dividends?
No — Genworth Financial, Inc. does not currently pay a dividend.
Genworth Financial does not currently pay a dividend. Given the company's legacy liabilities in long-term care insurance and its ongoing focus on capital management within the Enact segment, retained capital is directed toward financial obligations and balance sheet stability rather than shareholder distributions.
When does GNW report earnings?
Genworth Financial reports earnings on a quarterly cadence, consistent with standard practice for US-listed financial services companies.
Results across Genworth's segments tend to reflect the divergent trajectories of its businesses — Enact's mortgage insurance performance is sensitive to housing market conditions, while the U.S. Life segment carries the weight of long-term care reserve management. The Runoff segment contributes declining but ongoing cash flows.
For the most recent quarter's results and management commentary, visit Genworth Financial's investor relations page directly.
GNW Price History
+110.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Genworth Financial, Inc.?
Based on Genworth Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
GNW Long-term Outlook
Genworth's fundamental outlook is shaped by the tension between its relatively stable Risk profile and its Weak Growth and Moat ratings. The Enact mortgage insurance business provides a degree of earnings visibility, but the long-term care segment continues to represent a significant liability overhang. Capital allocation decisions and reserve adequacy will remain central to the company's trajectory. The Good Valuation label suggests the market has already discounted many of these headwinds into the share price.
Growth drivers
- Enact segment performance tied to residential mortgage origination volumes
- Potential capital returns from Enact's publicly traded structure
- Ongoing cost discipline within legacy runoff businesses
Key risks
- Long-term care insurance reserve adequacy and claims experience
- Housing market sensitivity affecting mortgage insurance demand
- Limited pricing power and competitive moat across core segments
GNW vs Peers
Genworth operates in a competitive insurance landscape alongside several other mid-cap life and specialty insurers.
Brighthouse focuses primarily on annuities and life insurance distributed through financial advisors, with a different product mix and distribution model than Genworth.
F&G concentrates on fixed indexed annuities and life insurance, targeting retail and institutional channels with a growth-oriented posture distinct from Genworth's runoff-heavy profile.
CNO serves middle-income Americans with health and life insurance products, competing with Genworth particularly in the long-term care and supplemental health space.
Frequently Asked Questions
What does Genworth Financial do?
Genworth Financial provides insurance products across three segments: Enact, which offers private mortgage insurance; U.S. Life Insurance, which manages long-term care, traditional life, and fixed annuity products; and a Runoff segment containing legacy variable annuity and life insurance businesses no longer actively sold.
Does GNW pay dividends?
Genworth Financial does not currently pay a dividend. The company directs available capital toward managing its long-term care liabilities and supporting balance sheet stability rather than returning cash to shareholders through distributions.
When does GNW report earnings?
Genworth reports on a quarterly basis, in line with standard US-listed company practice. For exact dates and upcoming earnings schedules, check the investor relations section of Genworth's official website.
Is GNW a good stock to buy?
The UQS Score rates GNW as Below Average, driven by Weak ratings across Quality, Moat, and Growth pillars. The Risk and Valuation pillars provide some offset, but the overall profile reflects a company facing meaningful structural challenges. Pro members can access the full breakdown to make a more informed assessment.
Is GNW overvalued?
The UQS Valuation pillar for GNW is rated Good, suggesting the stock is not trading at a significant premium relative to its fundamentals. However, valuation alone does not determine investment merit — the Weak Quality and Moat ratings are important context.
How does GNW compare to its competitors?
Compared to peers like Brighthouse Financial, F&G Annuities, and CNO Financial, Genworth carries a distinctive mix of mortgage insurance through Enact and a large legacy long-term care book. This combination creates a different risk and growth profile than competitors focused more narrowly on annuities or supplemental health.
What is GNW's market cap bracket?
Genworth Financial is classified as a mid-cap company. This places it in a tier where institutional coverage exists but liquidity and analyst attention may be more limited than for large-cap financial services peers.
Who founded Genworth Financial?
Genworth Financial was incorporated in 2004 when it was spun off from GE Capital as part of General Electric's restructuring. The company's insurance roots, however, trace back to 1871 through predecessor businesses.
Is GNW a long-term quality investment?
As a long-term quality indicator, the UQS Score's Below Average rating — with Weak marks on Quality, Moat, and Growth — suggests limited structural advantages for sustained compounding. The Good Risk and Valuation ratings provide some stability context, but long-term quality investors typically seek stronger moat and earnings characteristics.
What is the main competitive advantage of Genworth Financial?
Genworth's most differentiated asset is the Enact segment, which holds a meaningful position in the private mortgage insurance market. However, the UQS Moat pillar rates Weak overall, reflecting that durable competitive advantages across the full business are limited.
What sector does GNW belong to?
Genworth Financial operates in the Financial Services sector, specifically within insurance. Its business spans mortgage insurance, long-term care insurance, and legacy life and annuity products, making it a multi-line specialty insurer.
Is GNW a growth stock or value stock?
Based on the UQS pillar profile, GNW does not fit neatly into either category. The Growth pillar is rated Weak, indicating limited expansion momentum, while the Valuation pillar is rated Good — suggesting the stock leans toward value territory, though not without meaningful fundamental risks.
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Pro Analysis
GNW — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 15, 2026 | 33.6 | 35.1 | 23.0 | 5.7 | 42.2 | 77.4 | -5.6 |
| May 7, 2026 | 39.2 | 35.4 | 23.0 | 5.7 | 78.8 | 77.4 | -0.1 |
| May 3, 2026 | 39.3 | 35.4 | 23.0 | 5.7 | 78.8 | 78.5 | 0.0 |
| Apr 26, 2026 | 39.3 | 35.4 | 23.0 | 5.7 | 78.8 | 78.3 | -0.1 |
| Apr 25, 2026 | 39.4 | 35.4 | 23.0 | 5.7 | 78.8 | 78.8 | -0.1 |
| Apr 19, 2026 | 39.5 | 35.4 | 23.0 | 5.7 | 78.8 | 79.6 | 0.0 |
| Apr 18, 2026 | 39.5 | 35.4 | 23.0 | 5.7 | 78.8 | 79.9 | +1.1 |
| Apr 14, 2026 | 38.4 | 35.4 | 23.0 | 5.7 | 78.8 | 72.6 | 0.0 |
| Apr 13, 2026 | 38.4 | 35.4 | 23.0 | 5.7 | 78.8 | 72.0 | -0.3 |
| Apr 12, 2026 | 38.7 | 35.4 | 23.0 | 6.3 | 78.8 | 73.6 | -0.2 |
GNW — Pillar Breakdown
Quality
— 35.1/100 (25%)Genworth Financial, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 5.7/100 (20%)Genworth Financial, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 42.2/100 (15%)Genworth Financial, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 77.7/100 (15%)Genworth Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 23/100 (25%)Genworth Financial, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for GNW.
Score Composition
Financial Data
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How is the GNW UQS Score Calculated?
The UQS (Unified Quality Score) for Genworth Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Genworth Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Genworth Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.