1.Sales and profit
See section β- Genworth Financial Inc had $7.3B of revenue in fiscal 2025, up 0.1% on the year before. Over five years, revenue changed β2.5% a year on average.
- Genworth Financial Inc made $223M of net profit in fiscal 2025.
Genworth Financial Inc
GNW NYSE Life Insurance Financials FY2016βFY2025
Genworth Financial Inc had $7.3B of revenue in fiscal 2025, up 0.1% on the year before. Over five years, revenue changed β2.5% a year on average.
- Today
- 0.3%
- Previous close
- $8.86
- Market cap
- $3.4B
- P/E
- 16.8x
- Day range
-
$8.84 $8.98
- 52-week range
-
$7.94 $10.60
Last close Β· Oct 27, 2026
$8.89
+$0.47 (+5.58%) past year
KIRAβs summary AI analyst
Hi! I read Genworth Financial Incβs latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section β- Genworth Financial Inc returned $247M to shareholders in fiscal 2025. The diluted share count fell 5.8%.
- In the last 12 months, insiders sold $3.7M of shares on the open market and bought none.
3.Financial health
See section β- Genworth Financial Inc has $523M more cash than debt.
- Genworth Financial Inc passes 5 of 7 financial health tests (Piotroski F-score).
Genworth Financial Inc in 30 seconds
Good So-so Weak
So-so
Are sales growing?
+0.1%
Only a little. Sales grew 0.1% last year.
So-so
Does it make a profit?
3.1%
A little. It keeps 3.1% of every sale as profit.
So-so
How healthy are the accounts?
5 / 7
Mixed. It passes 5 of 7 health tests.
For information
How is the share priced?
16.8x
One share costs 16.8 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$3.4B
Oct 27 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
16.8x
On $0.53 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Revenue and margins
KIRA summarises the numbers
-
Genworth Financial Inc had $7.3B of revenue in fiscal 2025, up 0.1% on the year before.
Over five years, revenue changed β2.5% a year on average.
Revenue
FY16
Revenue $8.4B
FY17
Revenue $7.5B
FY18
Revenue $7.9B
FY19
Revenue $7.7B
FY20
Revenue $8.3B
FY21
Revenue $7.8B
FY22
Revenue $7.5B
FY23
Revenue $7.5B
FY24
Revenue $7.3B
FY25
Revenue $7.3B
Revenue
Q3 '23
Revenue $1.8B
Q4 '23
Revenue $1.9B
Q1 '24
Revenue $1.9B
Q2 '24
Revenue $1.8B
Q3 '24
Revenue $1.9B
Q4 '24
Revenue $1.8B
Q1 '25
Revenue $1.8B
Q2 '25
Revenue $1.8B
Q3 '25
Revenue $1.9B
Q4 '25
Revenue $1.8B
Q1 '26
Revenue $1.8B
Q2 '26
Revenue $1.9B
Margins, % of revenue
FY16
Gross β
Operating β3.8%
Net β3.3%
FCF β
FY17
Gross β
Operating 7.1%
Net 10.9%
FCF β
FY18
Gross β
Operating β0.1%
Net 1.5%
FCF β
FY19
Gross β
Operating 4.6%
Net 4.5%
FCF β
FY20
Gross β
Operating 3.7%
Net 2.1%
FCF β
FY21
Gross β
Operating 6.1%
Net 10.9%
FCF β
FY22
Gross β
Operating 10.9%
Net 12.2%
FCF β
FY23
Gross β
Operating 0.5%
Net 1.0%
FCF β
FY24
Gross β
Operating β
Net 4.1%
FCF β
FY25
Gross β
Operating β
Net 3.1%
FCF β
Gross
Operating
Net
FCF
Margins, % of revenue
Q3 '23
Gross β
Operating 2.3%
Net 1.6%
FCF β
Q4 '23
Gross β
Operating β12.0%
Net β11.1%
FCF β
Q1 '24
Gross β
Operating 4.6%
Net 7.5%
FCF β
Q2 '24
Gross β
Operating 7.1%
Net 4.3%
FCF β
Q3 '24
Gross β
Operating 2.6%
Net 4.5%
FCF β
Q4 '24
Gross β
Operating β
Net β0.1%
FCF β
Q1 '25
Gross β
Operating 2.9%
Net 3.0%
FCF β
Q2 '25
Gross β
Operating 3.8%
Net 2.8%
FCF β
Q3 '25
Gross β
Operating β
Net 6.0%
FCF β
Q4 '25
Gross β
Operating β
Net 0.1%
FCF β
Q1 '26
Gross β
Operating β
Net 2.6%
FCF β
Q2 '26
Gross β
Operating β
Net 2.5%
FCF β
Gross
Operating
Net
FCF
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Net income and earnings per share
Loss periods are shown in red.
KIRA summarises the numbers
-
Genworth Financial Inc made $223M of net profit in fiscal 2025.
Net income
FY16
Net income β$277M
FY17
Net income $817M
FY18
Net income $119M
FY19
Net income $343M
FY20
Net income $178M
FY21
Net income $850M
FY22
Net income $916M
FY23
Net income $76.0M
FY24
Net income $299M
FY25
Net income $223M
Net income
Q3 '23
Net income $29.0M
Q4 '23
Net income β$212M
Q1 '24
Net income $139M
Q2 '24
Net income $76.0M
Q3 '24
Net income $85.0M
Q4 '24
Net income β$1.0M
Q1 '25
Net income $54.0M
Q2 '25
Net income $51.0M
Q3 '25
Net income $116M
Q4 '25
Net income $2.0M
Q1 '26
Net income $47.0M
Q2 '26
Net income $47.0M
Diluted EPS
FY16
Diluted EPS β$0.56
FY17
Diluted EPS $1.63
FY18
Diluted EPS $0.24
FY19
Diluted EPS $0.67
FY20
Diluted EPS $0.35
FY21
Diluted EPS $1.65
FY22
Diluted EPS $1.79
FY23
Diluted EPS $0.16
FY24
Diluted EPS $0.68
FY25
Diluted EPS $0.54
Diluted EPS
Q3 '23
Diluted EPS $0.06
Q4 '23
Diluted EPS β$0.47
Q1 '24
Diluted EPS $0.31
Q2 '24
Diluted EPS $0.17
Q3 '24
Diluted EPS $0.19
Q4 '24
Diluted EPS $0.01
Q1 '25
Diluted EPS $0.13
Q2 '25
Diluted EPS $0.12
Q3 '25
Diluted EPS $0.28
Q4 '25
Diluted EPS $0.01
Q1 '26
Diluted EPS $0.12
Q2 '26
Diluted EPS $0.12
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Cash and shareholders
How much cash comes in, and where does it go?
Cash flow
Cash from operations minus capital spending.
Free cash flow
FY16
Free cash flow β
FY17
Free cash flow β
FY18
Free cash flow β
FY19
Free cash flow β
FY20
Free cash flow β
FY21
Free cash flow β
FY22
Free cash flow β
FY23
Free cash flow β
FY24
Free cash flow β
FY25
Free cash flow β
Cash from operations vs capital spending
FY16
Cash from operations $1.9B
Capital spending β
FY17
Cash from operations $2.6B
Capital spending β
FY18
Cash from operations $1.6B
Capital spending β
FY19
Cash from operations $2.1B
Capital spending β
FY20
Cash from operations $2.0B
Capital spending β
FY21
Cash from operations $437M
Capital spending β
FY22
Cash from operations $1.0B
Capital spending β
FY23
Cash from operations $597M
Capital spending β
FY24
Cash from operations $88.0M
Capital spending β
FY25
Cash from operations $327M
Capital spending β
Cash from operations
Capital spending
Cash from operations vs capital spending
Q3 '23
Cash from operations $175M
Capital spending β
Q4 '23
Cash from operations $147M
Capital spending β
Q1 '24
Cash from operations β$107M
Capital spending β
Q2 '24
Cash from operations $7.0M
Capital spending β
Q3 '24
Cash from operations $161M
Capital spending β
Q4 '24
Cash from operations $27.0M
Capital spending β
Q1 '25
Cash from operations $34.0M
Capital spending β
Q2 '25
Cash from operations $6.0M
Capital spending β
Q3 '25
Cash from operations $87.0M
Capital spending β
Q4 '25
Cash from operations $200M
Capital spending β
Q1 '26
Cash from operations $91.0M
Capital spending β
Q2 '26
Cash from operations $52.0M
Capital spending β
Cash from operations
Capital spending
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Dividends, buybacks and share count
KIRA summarises the numbers
-
Genworth Financial Inc returned $247M to shareholders in fiscal 2025.
The diluted share count fell 5.8%.
Dividends and buybacks
FY16
Dividends β
Buybacks β
FY17
Dividends β
Buybacks β
FY18
Dividends β
Buybacks β
FY19
Dividends β
Buybacks β
FY20
Dividends β
Buybacks $0.0M
FY21
Dividends β
Buybacks $0.0M
FY22
Dividends β
Buybacks $64.0M
FY23
Dividends β
Buybacks $296M
FY24
Dividends β
Buybacks $189M
FY25
Dividends β
Buybacks $247M
Dividends
Buybacks
Dividends and buybacks
Q3 '23
Dividends β
Buybacks $80.0M
Q4 '23
Dividends β
Buybacks $35.0M
Q1 '24
Dividends β
Buybacks $63.0M
Q2 '24
Dividends β
Buybacks $36.0M
Q3 '24
Dividends β
Buybacks $36.0M
Q4 '24
Dividends β
Buybacks $54.0M
Q1 '25
Dividends β
Buybacks $45.0M
Q2 '25
Dividends β
Buybacks $32.0M
Q3 '25
Dividends β
Buybacks $74.0M
Q4 '25
Dividends β
Buybacks $96.0M
Q1 '26
Dividends β
Buybacks $67.0M
Q2 '26
Dividends β
Buybacks $63.0M
Dividends
Buybacks
Diluted shares outstanding (annual)
FY16
Diluted shares 0.50B
FY17
Diluted shares 0.50B
FY18
Diluted shares 0.50B
FY19
Diluted shares 0.51B
FY20
Diluted shares 0.51B
FY21
Diluted shares 0.51B
FY22
Diluted shares 0.51B
FY23
Diluted shares 0.47B
FY24
Diluted shares 0.44B
FY25
Diluted shares 0.41B
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
KIRA summarises the numbers
-
In the last 12 months, insiders sold $3.7M of shares on the open market and bought none.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$3.7M
4 insiders
Of sales under plans
0%
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 3, 2026 | Thomas J McInerneyPresident and CEO; Director, Director | Sold | 100,000 | $10.53 | $1.1M | Form 4 |
| Aug 24, 2026 | Melissa HagermanEVP and Chief HR Officer | Sold | 14,708 | $9.92 | $0.1M | Form 4 |
| Aug 21, 2026 | Gregory S. KarawanEVP and General Counsel | Sold | 40,000 | $9.91 | $0.4M | Form 4 |
| May 22, 2026 | Robert P Restrepo JrDirector | Sold | 50,000 | $9.12 | $0.5M | Form 4 |
| May 22, 2026 | Thomas J McInerneyPresident and CEO; Director, Director | Sold | 100,000 | $9.27 | $0.9M | Form 4 |
| Dec 2, 2025 | Thomas J McInerneyPresident and CEO; Director, Director | Sold | 40,000 | $8.64 | $0.3M | Form 4 |
| Nov 24, 2025 | Gregory S. KarawanEVP and General Counsel | Sold | 40,000 | $8.51 | $0.3M | Form 4 |
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Cash, debt and the ratios that show how comfortably Genworth Financial Inc can carry it.
KIRA summarises the numbers
-
Genworth Financial Inc has $523M more cash than debt.
Cash vs debt (incl. leases)
FY16
Cash $2.8B
Debt $4.2B
FY17
Cash $2.9B
Debt $4.2B
FY18
Cash $2.0B
Debt $3.7B
FY19
Cash $3.3B
Debt $3.3B
FY20
Cash $1.0B
Debt $3.4B
FY21
Cash $1.6B
Debt $1.9B
FY22
Cash $1.8B
Debt $1.6B
FY23
Cash $2.2B
Debt $1.6B
FY24
Cash $2.0B
Debt $1.5B
FY25
Cash $2.0B
Debt $1.5B
Cash
Debt
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $1.6B | $1.8B | $2.2B | $2.0B | $2.0B |
| Debt incl. finance leases | $1.9B | $1.6B | $1.6B | $1.5B | $1.5B |
| Net debt / EBITDA | 0.4x | β0.2x | β2.1x | β | β |
| Debt / equity | 0.1x | 0.2x | 0.2x | 0.2x | 0.2x |
| Interest coverage | 3.0x | 7.7x | 0.3x | β | β |
| Total assets | $99.2B | $89.7B | $90.8B | $86.8B | $88.1B |
| Total liabilities | $82.9B | $81.3B | $82.5B | $77.4B | $78.3B |
| Shareholders' equity | $15.5B | $7.6B | $7.5B | $8.4B | $8.8B |
| Net debt (β = net cash) | $328M | β$188M | β$631M | β$530M | β$523M |
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Return on capital, equity and assets (annual)
FY16
Return on capital β1.5%
Return on equity β2.2%
Return on assets β0.3%
FY17
Return on capital 3.6%
Return on equity 6.3%
Return on assets 0.8%
FY18
Return on capital β0.0%
Return on equity 0.9%
Return on assets 0.1%
FY19
Return on capital 1.8%
Return on equity 2.6%
Return on assets 0.3%
FY20
Return on capital 1.3%
Return on equity 1.2%
Return on assets 0.2%
FY21
Return on capital 2.3%
Return on equity 5.5%
Return on assets 0.8%
FY22
Return on capital 8.4%
Return on equity 7.9%
Return on assets 1.0%
FY23
Return on capital 0.4%
Return on equity 1.0%
Return on assets 0.1%
FY24
Return on capital β
Return on equity 3.8%
Return on assets 0.3%
FY25
Return on capital β
Return on equity 2.6%
Return on assets 0.3%
Return on capital
Return on equity
Return on assets
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
KIRA summarises the numbers
-
Genworth Financial Inc passes 5 of 7 financial health tests (Piotroski F-score).
| Test | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β | β | β | β | β | β |
| F-score | β / 3 | 4 / 7 | 6 / 7 | 5 / 7 | 5 / 7 | 5 / 7 | 7 / 7 | 5 / 7 | 5 / 7 | 5 / 7 |
| Accruals ratio | β2.1% | β1.7% | β1.5% | β1.7% | β1.7% | 0.4% | β0.1% | β0.6% | 0.2% | β0.1% |
| Altman Z'' | β | β | β | β | β | β | β | β | β | β |
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
All figures
Every number, year by year.
10 years of figures
Amounts in USD. Hover a ratioβs name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $8.4B | $7.5B | $7.9B | $7.7B | $8.3B | $7.8B | $7.5B | $7.5B | $7.3B | $7.3B |
| Provision for credit losses | β | β | $0.0M | β | β | β | β | β | β | β |
| Operating income | β$316M | $530M | β$5.0M | $355M | $310M | $474M | $818M | $41.0M | β | β |
| Interest expense | $337M | $266M | $256M | $231M | $195M | $160M | $106M | $118M | $115M | $105M |
| Pretax income | $320M | $127M | $137M | $521M | $928M | $1.1B | $1.4B | $303M | $595M | $433M |
| Income tax | $358M | β$406M | $70.0M | $139M | $230M | $248M | $319M | $104M | $158M | $84.0M |
| Net income | β$277M | $817M | $119M | $343M | $178M | $850M | $916M | $76.0M | $299M | $223M |
| Diluted EPS | β$0.56 | $1.63 | $0.24 | $0.67 | $0.35 | $1.65 | $1.79 | $0.16 | $0.68 | $0.54 |
| Diluted shares | 0.50B | 0.50B | 0.50B | 0.51B | 0.51B | 0.51B | 0.51B | 0.47B | 0.44B | 0.41B |
| Cash flow | ||||||||||
| Cash from operations | $1.9B | $2.6B | $1.6B | $2.1B | $2.0B | $437M | $1.0B | $597M | $88.0M | $327M |
| Depreciation and amortization | $498M | $392M | $348M | $408M | $463M | $384M | $326M | $264M | $249M | $231M |
| Stock-based compensation | $32.0M | $31.0M | $35.0M | $26.0M | $39.0M | $40.0M | $37.0M | $49.0M | $51.0M | $58.0M |
| Acquisitions | $0.0M | $5.0M | $0.0M | $0.0M | β | β | β | β | β | β |
| Share buybacks | β | β | β | β | $0.0M | $0.0M | $64.0M | $296M | $189M | $247M |
| Dividends and buybacks | β | β | β | β | $0.0M | $0.0M | $64.0M | $296M | $189M | $247M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $2.8B | $2.9B | $2.0B | $3.3B | $1.0B | $1.6B | $1.8B | $2.2B | $2.0B | $2.0B |
| Total debt | $4.2B | $4.2B | $3.7B | $3.3B | $3.4B | $1.9B | $1.6B | $1.6B | $1.5B | $1.5B |
| Goodwill | $14.0M | β | β | β | β | β | β | β | β | β |
| Intangible assets | β | β | β | β | $157M | $143M | $203M | $198M | $197M | β |
| Total assets | $104.7B | $105.3B | $100.9B | $101.3B | $105.7B | $99.2B | $89.7B | $90.8B | $86.8B | $88.1B |
| Total liabilities | $90.2B | $90.0B | $86.7B | $86.7B | $89.9B | $82.9B | $81.3B | $82.5B | $77.4B | $78.3B |
| Shareholders' equity | $12.6B | $13.4B | $12.5B | $14.2B | $15.3B | $15.5B | $7.6B | $7.5B | $8.4B | $8.8B |
| Margins | ||||||||||
| Operating margin | β3.8% | 7.1% | β0.1% | 4.6% | 3.7% | 6.1% | 10.9% | 0.5% | β | β |
| EBITDA margin | 2.2% | 12.3% | 4.3% | 9.9% | 9.3% | 11.0% | 15.3% | 4.1% | β | β |
| Net margin | β3.3% | 10.9% | 1.5% | 4.5% | 2.1% | 10.9% | 12.2% | 1.0% | 4.1% | 3.1% |
| Returns | ||||||||||
| Return on capital | β1.5% | 3.6% | β0.0% | 1.8% | 1.3% | 2.3% | 8.4% | 0.4% | β | β |
| Return on equity | β2.2% | 6.3% | 0.9% | 2.6% | 1.2% | 5.5% | 7.9% | 1.0% | 3.8% | 2.6% |
| Return on assets | β0.3% | 0.8% | 0.1% | 0.3% | 0.2% | 0.8% | 1.0% | 0.1% | 0.3% | 0.3% |
| Return on tangible equity | β2.2% | 6.1% | 1.0% | 2.4% | 1.2% | 5.5% | 12.3% | 1.0% | 3.6% | 2.5% |
| Growth | ||||||||||
| Revenue growth | β | β10.2% | 5.2% | β2.5% | 7.5% | β5.6% | β4.2% | β0.1% | β2.6% | 0.1% |
| Net income growth | β | β | β85.4% | 188.2% | β48.1% | 377.5% | 7.8% | β91.7% | 293.4% | β25.4% |
| EPS growth | β | β | β85.3% | 179.2% | β47.8% | 371.4% | 8.5% | β91.1% | 325.0% | β20.6% |
| Share count change | β | 0.6% | β0.2% | 1.9% | 0.4% | 0.6% | β0.7% | β7.0% | β7.5% | β5.8% |
| Financial health | ||||||||||
| Net debt / EBITDA | 7.7x | 1.5x | 5.1x | 0.0x | 3.1x | 0.4x | β0.2x | β2.1x | β | β |
| Debt / equity | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | 0.1x | 0.2x | 0.2x | 0.2x | 0.2x |
| Interest coverage | β0.9x | 2.0x | β0.0x | 1.5x | 1.6x | 3.0x | 7.7x | 0.3x | β | β |
| Capital allocation | ||||||||||
| Stock comp / revenue | 0.4% | 0.4% | 0.4% | 0.3% | 0.5% | 0.5% | 0.5% | 0.7% | 0.7% | 0.8% |
| Quality scores | ||||||||||
| Piotroski F-score | β | 4.0 | 6.0 | 5.0 | 5.0 | 5.0 | 7.0 | 5.0 | 5.0 | 5.0 |
| Accruals ratio | β2.1% | β1.7% | β1.5% | β1.7% | β1.7% | 0.4% | β0.1% | β0.6% | 0.2% | β0.1% |
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
Source: SEC EDGAR XBRL filings (CIK 0001276520). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β not investment advice. Check the original filings before relying on any figure.