-0.14%
4.15%
8.01%
7.53%
17.99%
86.67%
77.56%
AI Spotlight on GNW
Company Description
Genworth Financial, Inc.provides insurance products in the United States and internationally.The company operates in three segments: Enact, U.S. Life Insurance, and Runoff.
The Enact segment offers mortgage insurance products primarily insuring prime-based, individually underwritten residential mortgage loans; and pool mortgage insurance products.The U.S. Life Insurance segment offers long-term care insurance products; and service traditional life insurance and fixed annuity products in the United States.The Runoff segment includes variable annuity, variable life insurance, and corporate-owned life insurance, as well as funding agreements.
It distributes its products through sales force, in-house sales representatives, and digital marketing programs.The company was founded in 1871 and is headquartered in Richmond, Virginia.
Market Data
| Last Price | 7.28 |
| Change Percentage | -0.14% |
| Open | 7.29 |
| Previous Close | 7.29 |
| Market Cap ( Millions) | 3109 |
| Volume | 55530 |
| Year High | 7.9 |
| Year Low | 5.67 |
| M A 50 | 7.24 |
| M A 200 | 6.71 |
Financial Ratios
| FCF Yield | 8.43% |
| Dividend Yield | 0.00% |
| ROE | 1.09% |
| Debt / Equity | 18.63% |
| Net Debt / EBIDTA | -90.89% |
| Price To Book | 0.38 |
| Price Earnings Ratio | 35.64 |
| Price To FCF | 11.87 |
| Price To sales | 0.44 |
| EV / EBITDA | 4.64 |
News
- Jan -09 - Genworth Financial Schedules Earnings Conference Call for February 19
- Nov -08 - Stock Picks From Seeking Alpha's October 2024 New Analysts
- Nov -07 - Genworth Financial, Inc. (GNW) Q3 2024 Earnings Call Transcript
- Nov -06 - Genworth Financial Announces Third Quarter 2024 Results
- Oct -10 - Genworth Financial Schedules Earnings Conference Call for November 7
- Oct -08 - A Failed Merger May Have Been Just What Genworth Financial Needed For A Turnaround
- Aug -01 - Genworth Financial, Inc. (GNW) Q2 2024 Earnings Call Transcript
- Jul -16 - GNW Consulting and Domo Power Marketing Operations Programs that Accelerate Business Results
- Jun -13 - The 7 Best Penny Stocks to Buy in June 2024
- May -23 - Genworth Financial Announces Results of Annual Meeting
- May -02 - Genworth Financial, Inc. (GNW) Q1 2024 Earnings Call Transcript
- May -01 - 7 Penny Stocks With the Potential to Make You an Overnight Millionaire
- May -01 - Genworth Financial Announces First Quarter 2024 Results
- Apr -07 - The 7 Best Penny Stocks to Buy in April 2024
- Apr -04 - Genworth Financial Schedules Earnings Conference Call for May 2
- Feb -22 - Genworth Financial, Inc. (GNW) Q4 2023 Earnings Call Transcript
- Feb -21 - Genworth Financial Announces Fourth Quarter 2023 Results
- Feb -13 - CareScout, a Genworth Company, Aims to Redefine Quality and Build Trust in Long-Term Care
- Jan -22 - Genworth Financial Schedules Earnings Conference Call for February 22
- Nov -21 - Genworth's Sum Of The Parts May Be Greater Than The Whole
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Long-term Care Insurance
Expected Growth : 4.73 %
What the company do ?
Genworth's Long-term Care Insurance helps individuals prepare for future long-term care expenses, providing financial protection and peace of mind.
Why we expect these perspectives ?
The 4.73% growth of Genworth Financial, Inc.'s Long-term Care Insurance is driven by increasing life expectancy, aging population, and rising healthcare costs. Additionally, the lack of government support for long-term care and the desire for independence among seniors contribute to the demand for private insurance solutions.
Segment n°2 -> Life and Annuities
Expected Growth : 4.77 %
What the company do ?
Life and Annuities from Genworth Financial, Inc. offers insurance products providing financial protection and income security to individuals and families.
Why we expect these perspectives ?
Genworth Financial, Inc.'s Life and Annuities segment growth of 4.77% is driven by increasing demand for long-term care insurance, expansion in international markets, and strategic partnerships. Additionally, the company's focus on digital transformation, improved underwriting, and pricing discipline have contributed to the growth. Furthermore, the segment has benefited from the rising interest rates, which have increased investment income and improved profitability.
Segment n°3 -> Enact
Expected Growth : 7.43 %
What the company do ?
Enact from Genworth Financial, Inc. is a leading provider of private mortgage insurance, helping lenders and borrowers achieve homeownership.
Why we expect these perspectives ?
Enact from Genworth Financial, Inc. growth of 7.43% driven by increasing demand for long-term care insurance, expansion into new markets, and strategic partnerships. Additionally, favorable regulatory environment, rising healthcare costs, and an aging population contribute to the growth.
Segment n°4 -> Corporate and Other
Expected Growth : 5.07 %
What the company do ?
Corporate and Other from Genworth Financial, Inc. includes unallocated corporate expenses, interests, and other non-operating items not attributed to business segments.
Why we expect these perspectives ?
Genworth Financial's Corporate and Other segment growth of 5.07% is driven by effective cost management, favorable tax rates, and a decrease in interest expenses. Additionally, the company's strategic initiatives, such as the sale of its stake in Sino Mercury, have contributed to the segment's growth.
Genworth Financial, Inc. Products
| Product Range | What is it ? |
|---|---|
| Long-Term Care Insurance | Provides financial protection to individuals who require long-term care due to chronic illness, disability, or aging. |
| Mortgage Insurance | Provides insurance to lenders and investors in the event of borrower default, allowing for more accessible mortgage financing. |
| U.S. Mortgage Insurance | Offers mortgage insurance products to lenders and borrowers in the United States, helping to facilitate homeownership. |
| International Mortgage Insurance | Provides mortgage insurance products to lenders and borrowers in international markets, supporting homeownership globally. |
| Life Insurance | Offers a range of life insurance products, including term life, universal life, and whole life insurance, to help individuals and families achieve their financial goals. |
| Annuities | Provides fixed and variable annuity products to help individuals save for retirement and achieve a steady income stream in retirement. |
Genworth Financial, Inc.'s Porter Forces
Threat Of Substitutes
Genworth Financial, Inc. operates in a highly competitive industry, and there are many substitutes available to customers. However, the company's strong brand recognition and diversified product offerings help to mitigate the threat of substitutes.
Bargaining Power Of Customers
Genworth Financial, Inc.'s customers have some bargaining power due to the availability of alternative products and services. However, the company's strong relationships with its customers and its ability to offer customized solutions help to reduce the bargaining power of customers.
Bargaining Power Of Suppliers
Genworth Financial, Inc. has a diversified supplier base, which reduces the bargaining power of suppliers. The company's strong relationships with its suppliers and its ability to negotiate favorable terms also help to mitigate the bargaining power of suppliers.
Threat Of New Entrants
The threat of new entrants in the insurance industry is low due to the high barriers to entry, including regulatory hurdles and the need for significant capital investments. Genworth Financial, Inc.'s established brand and strong distribution network also make it difficult for new entrants to gain traction.
Intensity Of Rivalry
The insurance industry is highly competitive, and Genworth Financial, Inc. faces intense rivalry from established players. The company's ability to differentiate itself through its products and services, as well as its strong brand recognition, help to mitigate the intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 17.57% |
| Debt Cost | 9.38% |
| Equity Weight | 82.43% |
| Equity Cost | 9.38% |
| WACC | 9.38% |
| Leverage | 21.31% |
Genworth Financial, Inc. : Quality Control
Genworth Financial, Inc. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CNO | CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets in the United States. … |
| PRI | Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings … |
| AEL | American Equity Investment Life Holding Company, through its subsidiaries, provides life insurance products in the United States. The company issues fixed index and rate annuities, as well as single premium … |
| FG | F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients. The company was founded in 1959 … |
| GL | Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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CNO Financial Group
A-Score
1-Year Total Return ->
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Primerica
A-Score
1-Year Total Return ->
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American Equity
A-Score
1-Year Total Return ->
4
Genworth Financial
A-Score
1-Year Total Return ->
5
F&G Annuities & Life
A-Score
1-Year Total Return ->
6
