Gen Digital Inc. (GEN) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Gen Digital Inc. stock $45.92, price $30.89, upside +48.7%, quality 69 out of 100. Rating: undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $14.44 – $31.54 · fair‑value band $26.47 – $57.40 · the $30.89 price screens below the $45.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 5, 2026.
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Gen Digital Inc. engages in the provision of cyber safety and trust-based solutions for individuals, families, and small businesses. The company offers security and performance management, identity protection, and online privacy, as well as technology platforms.
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It also provides restoration support services, digital reputation, and secure financial wellness. The company offers its products under the Norton, Avast, LifeLock, MoneyLion, Avira, AVG, ReputationDefender, and CCleaner brands.
The company was formerly known as NortonLifeLock Inc. and changed its name to Gen Digital Inc. in November 2022. Gen Digital Inc. was founded in 1982 and is headquartered in Tempe, Arizona.
Stock analysis
Gen Digital Inc. (GEN) currently trades at $30.89, while our model-based Fair Value estimate is $45.92, implying the stock looks roughly 33% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $47.19 per share, and 15 of the 24 models we run sit above the $30.89 price.
Bear case: the Dividend Discount group reads lowest at $7.65, and 9 of the 24 models stay below the price. Data coverage for this calculation is high.
Scenario range: $26.47 (bear) to $57.40 (bull), the price of $30.89 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Gen Digital Inc. reported revenue of $5.0B in FY2026 versus $2.8B in FY2022, a compound +15.6%/yr. Reported net income was $973M in FY2026, compounding +3.9%/yr from FY2022.
Key figures
Market cap $19.1B Large · P/E ratio 15.7 · P/S ratio 3.66 · EPS (TTM) $1.97 · Dividend yield 1.6% · Net margin 23.1% · Return on equity 46.4% · Return on assets (EBIT) 10.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 83 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 74% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −16% fair-value upside, at 49%, GEN screens cheaper than that median.
Fair Value models
Bear$26.47Fair Value $45.92Bull$57.40
Price $30.89 · Upside +48.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.8860 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director bought shares worth $81,180, on Jun 4, 2026. Over the same period, 3 people sold shares worth $19.7M.
SaleTravis Michael WitteveenHead of Products and Portfolio3× since Aug 10, 2026: 60,440 shares, avg. $29.57$1.8MNov 2, 2026
SaleBryan Seuk KoCOO, CLO and Secretary28,248 shares at $30.67$866,366Sep 4, 202610b5-1 plan
SaleOndrej VlcekDirector6× since Dec 10, 2025: 713,494 shares, avg. $28.25$20.2MAug 27, 2026
BuyJohn C ChrystalDirector2× since Nov 13, 2025: 8,000 shares, avg. $27.11$216,880Jun 4, 2026
SaleNatalie Marie DerseCFO794 shares at $23.62$18,754Feb 17, 2026
Plus 15 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+27.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.4%
Start year 2021 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.3%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+4.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.8%
Dividend (yield on the price)1.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.2.1% vs −4.5%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 41%
2026 sits 53% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2021 (pandemic)
⚠ Revenue per share shrinking 3.9%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+7.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+6.6%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +5.1% a year for the price and +4.1% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
AI conclusion: Solid margins and cash flow represent the main strength, while elevated leverage with debt exceeding equity forms the primary weak point with limited signals on durable advantages.
Main risk: Built-in security features in Microsoft Windows and Apple devices could reduce demand for paid consumer cybersecurity subscriptions from Gen Digital.
Bull case: By expanding AI agent protection and integrations into platforms like ChatGPT, Gen Digital could capture new demand in the AI security space and offset any pressure from OS bundling.
Bear case: If Microsoft and Apple further enhance and bundle their security features, Gen Digital's core subscription products might see declining relevance and customer acquisition challenges.
Gen Digital recently enabled AI agents to compare insurance options through its Savvy platform while safeguarding personal data. This development positions the company at the intersection of cybersecurity and emerging AI services. Our models currently see it as undervalued, but will these AI integrations primarily boost user engagement across its brands or prove difficult to monetize at scale?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 342 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+48.7% · Top 25%
Profitability
Return on equity (12 months)46.4% · Top 25%
Return on assets6.2% · Above median
Net margin (12 months)23.1% · Top 25%
Operating margin (12 months)37.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)12.2% · Above median
Dividend yield (12 months)1.6% · Above median
Balance sheet
Debt / equity3.07× · Highest 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)15.7× · Cheaper than median
P/B7.32× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Gen Digital Inc. Fair Value". https://www.fairvalue-calculator.com/stock/GEN
Frequently asked questions
Is Gen Digital Inc. (GEN) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $45.92 versus a price of $30.89, about +49% upside (undervalued).
What is the fair value of GEN?
Our model-based fair value for Gen Digital Inc. is $45.92 (as of Nov 5, 2026), built from audited fundamentals. The current price: $30.89.
What is the quality score of GEN?
Gen Digital Inc. has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Gen Digital Inc. (GEN)?
Our model-based price target is the fair value of $45.92 (as of Nov 5, 2026) from 24 valuation models. Cautious scenario $26.47, optimistic scenario $57.40. It is a calculation from audited fundamentals, not an analyst target.
What is the Gen Digital Inc. stock forecast for 2026?
Our models put fair value at $45.92, about +49% upside versus a price of $30.89 (undervalued). Cautious scenario $26.47, optimistic scenario $57.40. The calculation is refreshed regularly with new filings.
What is the revenue of Gen Digital Inc. (GEN)?
Gen Digital Inc. reported trailing-twelve-month revenue of about $5.2B (latest available figure, as of Nov 5, 2026).
Does Gen Digital Inc. pay a dividend?
Gen Digital Inc. currently shows a dividend yield of 1.62% relative to its recent price (as of Nov 5, 2026).
What growth is priced into Gen Digital Inc. (GEN)?
For today's price to be fair in a discounted-cash-flow model, Gen Digital Inc. would have to grow free cash flow by +7.6 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.4 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of GEN use?
Our models discount Gen Digital Inc. at 9.8 %: a base by market capitalisation (large), damped by beta 1.26, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Gen Digital Inc. that is +7.6 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Gen Digital Inc. (GEN) delivered so far?
Over the past 5 years revenue at Gen Digital Inc. grew +14.4 % a year. The price currently implies +7.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Gen Digital Inc. (GEN) growing?
The median revenue growth in the sector is +11.3 % a year. That is the yardstick for the growth priced into Gen Digital Inc. (+7.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Gen Digital Inc. (GEN)?
The free-cash-flow yield on the price is 7.97 %: that much free cash flow Gen Digital Inc. produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Gen Digital Inc. (GEN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gen Digital Inc. it is $45.92 per share (as of Nov 5, 2026), against a price of $30.89. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Gen Digital Inc. stock overvalued or undervalued in 2026?
As of Nov 5, 2026, GEN trades below its calculated fair value: price $30.89, fair value $45.92, a gap of about +49% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GEN?
No. The price is what the market pays today ($30.89); the fair value is what the company's own numbers justify ($45.92). For Gen Digital Inc. the two are $15.03 per share apart. That gap is exactly why we show both numbers side by side.
How much is Gen Digital Inc. worth?
The market values Gen Digital Inc. at about $19.1B (market capitalisation, as of Nov 5, 2026). Per share that is $30.89; our models calculate a fair value of $45.92 per share.
What do the bullish and bearish scenarios say about GEN?
Our models span a range for Gen Digital Inc.: cautious scenario $26.47, base $45.92, optimistic $57.40 per share (as of Nov 5, 2026, price $30.89). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GEN?
Gen Digital Inc. trades at a price-to-earnings ratio of 15.7 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $45.92 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2018 to 2026), reported earnings: 18.8. Other multiples: PEG 1.5, P/B 7.3, P/S 3.7, EV/EBITDA 10.7.
What is the PEG ratio of GEN?
The PEG ratio of Gen Digital Inc. is 1.49 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Gen Digital Inc. (GEN)?
Balance-sheet figures for Gen Digital Inc. (as of Nov 5, 2026): return on equity 46.4%, debt of 3.07 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is GEN from its 52-week high?
Gen Digital Inc. trades at $30.89, about 2% below its 52-week high of $31.41 and 74% above the low of $17.79 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $45.92 is for.
Which stocks are comparable to Gen Digital Inc.?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Gen Digital Inc. stock attractive at the current price?
The data as of Nov 5, 2026: price $30.89, calculated fair value $45.92 (+49%), Quality Score 69/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GEN calculated?
We run Gen Digital Inc. through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $45.92, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Gen Digital Inc. currently trades 33% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Gen Digital Inc. (GEN)?
The closing price on Nov 4, 2026 was $30.89. Our model-based fair value is $45.92, about +49% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Gen Digital Inc. right now?
Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($26.47 to $57.40) leaves room in how you read the outcome.
Where does the earnings growth of Gen Digital Inc. (GEN) come from?
Earnings per share at Gen Digital Inc. grew −7.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share −1.0 %, EBIT margin +9.7 %, tax rate +0.6 %, residual (interest, one-offs) −15.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Gen Digital Inc.
How large is the market capitalisation of Gen Digital Inc. (GEN)?
The market capitalisation of Gen Digital Inc. is $19.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Gen Digital Inc. (GEN)?
The price-to-sales ratio of Gen Digital Inc. is 3.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Gen Digital Inc. (GEN)?
Earnings per share at Gen Digital Inc. are $1.97 (price ÷ EPS = P/E 15.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Gen Digital Inc. (GEN)?
The dividend yield of Gen Digital Inc. is 1.6% (payout 25.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Gen Digital Inc. (GEN)?
The net margin of Gen Digital Inc. is 23.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Gen Digital Inc. (GEN)?
The return on equity (ROE) of Gen Digital Inc. is 46.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Gen Digital Inc. (GEN)?
On an EBIT basis the return on assets of Gen Digital Inc. is 10.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Gen Digital Inc. (GEN)?
The operating margin of Gen Digital Inc. is 37.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gen Digital Inc. (GEN)?
Revenue at Gen Digital Inc. is growing +12.2% versus a year earlier (3y avg +14.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Gen Digital Inc. (GEN)?
Earnings per share at Gen Digital Inc. are growing +129% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Gen Digital Inc. (GEN) carry?
The net debt of Gen Digital Inc. is $7.9B (fiscal year 2026, ≈ 5.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 5, 2026