Genworth Financial Inc (GNW) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Genworth Financial Inc stock $5.66, price $8.70, that is 34.9% below the price, quality 52 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
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 $3.34 – $10.60 · fair‑value band $4.24 – $7.07 · the $8.70 price screens above the $5.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Genworth Financial, Inc., together with its subsidiaries, provides mortgage and long-term care insurance products in the United States. It operates through two segments: Enact and Closed Block. The company offers primary mortgage, and mortgage insurance products, and contract underwriting services.
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It also provides long-term care insurance products that are intended to protect against the significant and escalating costs of long-term care services provided in the insured's home, assisted living, and nursing facilities.
In addition, the company offers protection and retirement income products, that includes traditional and non-traditional life insurance, such as term, universal and term universal life insurance, corporate-owned life insurance, and funding agreements; fixed annuities; and variable annuities.
It distributes its products through sales force, sales representatives, and digital marketing programs. Genworth Financial, Inc. was founded in 1871 and is headquartered in Glen Allen, Virginia.
Stock analysis
Genworth Financial Inc (GNW) currently trades at $8.70, while our model-based Fair Value estimate is $5.66, 35% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $16.22 per share, and 2 of the 6 models we run sit above the $8.70 price.
Bear case: the Multiples group reads lowest at $5.66, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $4.24 (bear) to $7.07 (bull), the price of $8.70 sits above 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 52/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Genworth Financial Inc reported revenue of $6.4B in FY2025 versus $7.8B in FY2021, a compound −5.0%/yr. Reported net income was $223M in FY2025, compounding −29.5%/yr from FY2021.
Key figures
Market cap $3.4B Mid · P/E ratio 17.4 · P/S ratio 0.46 · EPS (TTM) $0.5000 · Dividend yield 0.7% · Net margin 2.9% · Return on equity 3.4% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −35%, GNW screens cheaper than that median.
Fair Value models
Bear$4.24Fair Value $5.66Bull$7.07
Price $8.70 · Downside -34.9%
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 2025 figures (about 10 months old). Earnings retained since then ($0.4274 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, 4 officers or directors sold shares worth $3.0M and none bought.
SaleThomas J McInerneyPresident and CEO; Director, Director3× since Dec 2, 2025: 240,000 shares, avg. $9.69$2.3MSep 3, 2026
SaleMelissa HagermanEVP and Chief HR Officer14,708 shares at $9.92$145,903Aug 24, 2026
SaleGregory S. KarawanEVP and General Counsel2× since Nov 24, 2025: 80,000 shares, avg. $9.21$736,800Aug 21, 2026
SaleRobert P Restrepo JrDirector50,000 shares at $9.12$456,000May 22, 2026
Plus 13 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.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−10.9%
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.
−4.9%
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.
−6.0%
Start year 2020 (pandemic). Over 10 years: −2.9% a year
Revenue growth 25 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.
−1.9%
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What shareholders gained per year (last 5 years) ⓘ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. Basis: adjusted.
−10.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−10.9%
Dividend (yield on the price)0.7%
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.5% → 7%
⚠ Revenue per share shrinking 1.1%/yr over ~10Y (margin trend unclear) ⓘ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.
News mood ⓘNews mood, the average tone of recent news (97 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.Positive
Recent news coverage is more positive than average.
AI conclusion: Capital generation from the Enact mortgage insurance subsidiary supports share repurchases and CareScout growth, while the closed legacy long-term care block and persistently low returns on equity remain the central weakness.
Main risk: Continued capital demands from the closed legacy long-term care policies could constrain funding available for share repurchases and CareScout expansion.
Genworth generates much of its capital from returns by its majority-owned Enact mortgage insurance subsidiary, which funds ongoing share repurchases and CareScout growth. Meanwhile the closed block of legacy long-term care policies requires sustained management to stay viable. Will the Enact inflows more than cover the legacy demands, or will they simply mask constraints in the core insurance operations?
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.Insurance - Life · 77 stocks
Beats the industry median on 4/15 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−34.9% · Below median
Profitability
Return on equity (12 months)3.4% · Bottom 25%
Return on assets0.4% · Bottom 25%
Net margin (12 months)4.5% · Bottom 25%
Operating margin (12 months)7.3% · Below median
Growth and dividend
Revenue growth (quarter YoY)5.3% · Below median
Dividend yield (12 months)0.7% · Bottom 25%
Balance sheet
Debt / equity0.17× · Below median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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Is Genworth Financial Inc (GNW) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $5.66 versus a price of $8.70, about 35% lower (overvalued).
What is the fair value of GNW?
Our model-based fair value for Genworth Financial Inc is $5.66 (as of Nov 5, 2026), built from audited fundamentals. The current price: $8.70.
What is the quality score of GNW?
Genworth Financial Inc has a Quality Score of 52/100. 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 Genworth Financial Inc (GNW)?
Our model-based price target is the fair value of $5.66 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $4.24, optimistic scenario $7.07. It is a calculation from audited fundamentals, not an analyst target.
What is the Genworth Financial Inc stock forecast for 2026?
Our models put fair value at $5.66, about 35% lower versus a price of $8.70 (overvalued). Cautious scenario $4.24, optimistic scenario $7.07. The calculation is refreshed regularly with new filings.
What is the revenue of Genworth Financial Inc (GNW)?
Genworth Financial Inc reported trailing-twelve-month revenue of about $7.4B (latest available figure, as of Nov 5, 2026).
Does Genworth Financial Inc pay a dividend?
Genworth Financial Inc currently shows a dividend yield of 0.66% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Genworth Financial Inc (GNW)?
Genworth Financial Inc has a dividend yield of 0.7%.
What is the intrinsic value of Genworth Financial Inc (GNW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Genworth Financial Inc it is $5.66 per share (as of Nov 5, 2026), against a price of $8.70. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Genworth Financial Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, GNW trades above its calculated fair value: price $8.70, fair value $5.66, a gap of about −35% (overvalued). 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 GNW?
No. The price is what the market pays today ($8.70); the fair value is what the company's own numbers justify ($5.66). For Genworth Financial Inc the two are $3.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is Genworth Financial Inc worth?
The market values Genworth Financial Inc at about $3.4B (market capitalisation, as of Nov 5, 2026). Per share that is $8.70; our models calculate a fair value of $5.66 per share.
What do the bullish and bearish scenarios say about GNW?
Our models span a range for Genworth Financial Inc: cautious scenario $4.24, base $5.66, optimistic $7.07 per share (as of Nov 5, 2026, price $8.70). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GNW?
Genworth Financial Inc trades at a price-to-earnings ratio of 17.4 (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 $5.66 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.4 (reported for FY2025: 16.1). Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings, 7 of the years ex one-offs: 4.3. Other multiples: PEG 0.3, P/B 0.4, P/S 0.7, EV/EBITDA 8.6.
What is the PEG ratio of GNW?
The PEG ratio of Genworth Financial Inc is 0.31 (P/E divided by earnings growth, as of Nov 5, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Genworth Financial Inc (GNW)?
Balance-sheet figures for Genworth Financial Inc (as of Nov 5, 2026): return on equity 3.4%, debt of 0.17 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is GNW from its 52-week high?
Genworth Financial Inc trades at $8.70, about 18% below its 52-week high of $10.60 and 10% above the low of $7.94 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $5.66 is for.
Which stocks are comparable to Genworth Financial Inc?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance Company, AIA Group, Manulife Financial Corporation, 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 Genworth Financial Inc stock attractive at the current price?
The data as of Nov 5, 2026: price $8.70, calculated fair value $5.66 (−35%), Quality Score 52/100, from 6 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 GNW calculated?
We run Genworth Financial Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $5.66 builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Genworth Financial Inc itself currently trades above fair value. 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 Genworth Financial Inc (GNW)?
The closing price on Nov 6, 2026 was $8.70. Our model-based fair value is $5.66, about 35% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Genworth Financial Inc right now?
The price sits above even our optimistic bull case ($7.07). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Genworth Financial Inc
How large is the market capitalisation of Genworth Financial Inc (GNW)?
The market capitalisation of Genworth Financial Inc is $3.4B. 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 Genworth Financial Inc (GNW)?
The price-to-sales ratio of Genworth Financial Inc is 0.46 (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 Genworth Financial Inc (GNW)?
Earnings per share at Genworth Financial Inc are $0.5000 (price ÷ EPS = P/E 17.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Genworth Financial Inc (GNW)?
The dividend yield of Genworth Financial Inc is 0.7% (payout 11.5%). 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 Genworth Financial Inc (GNW)?
The net margin of Genworth Financial Inc is 2.9% (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 Genworth Financial Inc (GNW)?
The return on equity (ROE) of Genworth Financial Inc is 3.4% (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 Genworth Financial Inc (GNW)?
On an EBIT basis the return on assets of Genworth Financial Inc is 0.9% (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 Genworth Financial Inc (GNW)?
The operating margin of Genworth Financial Inc is 7.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Genworth Financial Inc (GNW)?
Revenue at Genworth Financial Inc is growing +5.3% versus a year earlier (3y avg −4.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Genworth Financial Inc (GNW) generate?
The free cash flow of Genworth Financial Inc is $327M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Genworth Financial Inc (GNW) hold?
Genworth Financial Inc holds more cash than debt, $523M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 5, 2026
