Genworth Financial Inc - Understand $gnw stock

$GNW Market Cap: $3.25 Billion

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Financial Snapshot

Revenue

$7.424B

TTM

Gross Margin

35.29%

TTM

Net Earnings

$88.00M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$90.76B

Q3 2024

Total Liabilities

$81.51B

Q3 2024

Book Value

$9.255B

Q3 2024

Cash

$2.057B

Q3 2024

P/E

36.93

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Revenue	$7.488B	$7.507B	$7.833B	$8.662B	$8.097B	$8.430B	$8.295B	$8.369B	$8.548B	$8.729B	$8.625B	$9.640B	$9.923B	$9.716B	$9.069B	$9.948B	$11.13B	$10.29B	$9.786B	$11.06B	$11.68B	$11.23B
YoY Change	-0.25%	-4.16%	-9.57%	6.98%	-3.95%	1.63%	-0.88%	-2.09%	-2.07%	1.21%	-10.53%	-2.85%	2.13%	7.13%	-8.84%	-10.58%	8.17%	5.1%	-11.49%	-5.36%	4.04%	1.15%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Revenue	$7.488B	$7.507B	$7.833B	$8.662B	$8.097B	$8.430B	$8.295B	$8.369B	$8.548B	$8.729B	$8.625B	$9.640B	$9.923B	$9.716B	$9.069B	$9.948B	$11.13B	$10.29B	$9.786B	$11.06B	$11.68B	$11.23B
Cost Of Revenue	$4.783B	$4.242B	$4.383B	$5.214B		$5.684B	$5.179B	$5.245B	$5.149B	$6.418B	$4.737B	$5.378B	$5.941B	$6.001B	$5.866B
Gross Profit	$2.705B	$3.265B	$3.450B	$3.448B		$2.746B	$3.116B	$3.124B	$3.399B	$2.311B	$3.888B	$4.262B	$3.982B	$3.715B	$3.203B
Gross Profit Margin	36.12%	43.49%	44.04%	39.81%		32.57%	37.56%	37.33%	39.76%	26.47%	45.08%	44.21%	40.13%	38.24%	35.32%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Selling, General & Admin	$942.0M	$1.371B	$1.223B	$988.0M	$962.0M	$997.0M	$1.022B	$1.273B	$1.309B	$1.138B	$1.244B	$1.594B	$1.930B	$1.938B	$2.115B		$2.075B	$1.858B	$1.821B	$1.902B	$2.003B	$1.808B
YoY Change	-31.29%	12.1%	23.79%	2.7%	-3.51%	-2.45%	-19.72%	-2.75%	15.03%	-8.52%	-21.96%	-17.41%	-0.41%	-8.37%			11.68%	2.03%	-4.26%	-5.04%	10.79%	-0.82%
% of Gross Profit	34.82%	41.99%	35.45%	28.65%		36.31%	32.8%	40.75%	38.51%	49.24%	32.0%	37.4%	48.47%	52.17%	66.03%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$264.0M	$278.0M	-$323.0M	$492.0M	$441.0M	$316.0M	$342.0M	$481.0M	$448.0M	$384.0M	$355.0M	$618.0M	$593.0M	$626.0M	$782.0M	$884.0M	$831.0M	$727.0M	$794.0M	$1.064B	$1.264B	$1.221B
YoY Change	-5.04%	-186.07%	-165.65%	11.56%	39.56%	-7.6%	-28.9%	7.37%	16.67%	8.17%	-42.56%	4.22%	-5.27%	-19.95%	-11.54%	6.38%	14.31%	-8.44%	-25.38%	-15.82%	3.52%	-1.29%
% of Gross Profit	9.76%	8.51%	-9.36%	14.27%		11.51%	10.98%	15.4%	13.18%	16.62%	9.13%	14.5%	14.89%	16.85%	24.41%
Operating Expenses	$942.0M	$1.371B	$6.491B	$7.420B	$7.143B	$997.0M	$1.022B	$1.273B	$1.309B	$1.138B	$1.244B	$1.594B	$1.930B	$1.938B	$2.115B	$10.55B	$9.038B	$8.068B	$7.748B	$9.202B	$10.16B	$9.314B
YoY Change	-31.29%	-78.88%	-12.52%	3.88%	616.45%	-2.45%	-19.72%	-2.75%	15.03%	-8.52%	-21.96%	-17.41%	-0.41%	-8.37%	-79.94%	16.67%	12.02%	4.13%	-15.8%	-9.44%	9.09%	1.75%
Operating Profit	$41.00M	$633.0M	$765.0M	$310.0M		$179.0M	$696.0M	-$316.0M	$255.0M	-$398.0M	$585.0M	$403.0M	$54.00M	-$24.00M	$145.0M
YoY Change	-93.52%	-17.25%	146.77%			-74.28%	-320.25%	-223.92%	-164.07%	-168.03%	45.16%	646.3%	-325.0%	-116.55%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Interest Expense	$118.0M	$106.0M	-$160.0M	-$202.0M	-$239.0M	$299.0M	$284.0M	$337.0M	$419.0M	$433.0M	$450.0M	$476.0M	$506.0M	$457.0M	$393.0M	-$470.0M	-$481.0M	-$364.0M	-$293.0M	-$217.0M	-$140.0M	-$124.0M
YoY Change	11.32%	-166.25%	-20.79%	-15.48%	-179.93%	5.28%	-15.73%	-19.57%	-3.23%	-3.78%	-5.46%	-5.93%	10.72%	16.28%	-183.62%	-2.29%	32.14%	24.23%	35.02%	55.0%	12.9%	-1.59%
% of Operating Profit	287.8%	16.75%	-20.92%	-65.16%		167.04%	40.8%		164.31%		76.92%	118.11%	937.04%		271.03%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Pretax Income	$303.0M	$978.0M	$1.181B	$1.031B	$714.0M	-$63.00M	$397.0M	-$283.0M	-$468.0M	-$2.022B	$283.0M	-$73.00M	-$690.0M	-$915.0M	-$858.0M	-$1.067B	$1.606B	$1.853B	$1.745B	$1.638B	$1.382B	$1.791B
YoY Change	-69.02%	-17.19%	14.55%	44.4%	-1233.33%	-115.87%	-240.28%	-39.53%	-76.85%	-814.49%	-487.67%	-89.42%	-24.59%	6.64%	-19.59%	-166.44%	-13.33%	6.19%	6.53%	18.52%	-22.84%	-1.65%
Income Tax	$104.0M	$239.0M	$263.0M	$270.0M	$195.0M	$151.0M	-$207.0M	$358.0M	-$9.000M	-$94.00M	$313.0M	$138.0M	-$11.00M	-$279.0M	-$415.0M	-$412.0M	$452.0M	$570.0M	$559.0M	$493.0M	$413.0M	$411.0M
% Of Pretax Income	34.32%	24.44%	22.27%	26.19%	27.31%		-52.14%				110.6%						28.14%	30.76%	32.03%	30.1%	29.88%	22.95%
Net Earnings	$76.00M	$609.0M	$904.0M	$178.0M	$343.0M	$119.0M	$817.0M	-$277.0M	-$615.0M	-$1.244B	$560.0M	$325.0M	$38.00M	$38.00M	-$504.0M	-$655.0M	$1.220B	$1.328B	$1.221B	$1.157B	$1.081B	$1.174B
YoY Change	-87.52%	-32.63%	407.87%	-48.1%	188.24%	-85.43%	-394.95%	-54.96%	-50.56%	-322.14%	72.31%	755.26%	0.0%	-107.54%	-23.05%	-153.69%	-8.13%	8.76%	5.53%	7.03%	-7.92%	-15.9%
Net Earnings / Revenue	1.01%	8.11%	11.54%	2.05%	4.24%	1.41%	9.85%	-3.31%	-7.19%	-14.25%	6.49%	3.37%	0.38%	0.39%	-5.56%	-6.58%	10.97%	12.91%	12.48%	10.46%	9.25%	10.46%
Basic Earnings Per Share	$0.16	$1.21	$1.78	$0.35	$0.68	$0.24	$1.64	-$0.56	-$1.24	-$2.51	$1.13	$0.66	$0.08	$0.08	-$1.12	-$1.32
Diluted Earnings Per Share	$0.16	$1.19	$1.76	$0.35	$0.67	$0.24	$1.63	-$0.56	-$1.24	-$2.51	$1.12	$0.66	$0.08	$0.08	-$1.12	-$1.32	$2.723M	$2.832M	$2.518M	$2.356M	$2.206M	$2.396M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002
Cash & Short-Term Investments
YoY Change
Cash & Equivalents	$2.215B	$1.799B	$1.571B	$2.656B	$3.341B	$1.974B	$2.875B	$2.784B	$5.965B	$4.645B	$4.214B	$3.632B	$4.488B	$3.132B	$5.002B	$7.328B	$3.091B	$2.436B	$1.875B	$1.392B	$1.982B	$1.569B
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment					$52.00M
YoY Change
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$59.79B	$58.95B	$72.28B	$77.24B	$70.94B	$65.37B	$73.12B	$70.86B	$68.02B	$70.64B	$68.61B	$68.51B	$65.81B	$62.82B	$56.11B	$53.39B	$61.85B	$60.22B	$59.35B	$59.70B	$72.58B	$66.78B
YoY Change	1.44%	-18.44%	-6.42%	8.88%	8.53%	-10.6%	3.18%	4.18%	-3.72%	2.96%	0.15%	4.09%	4.76%	11.96%	5.1%	-13.68%	2.71%	1.46%	-0.58%	-17.75%	8.69%
Other Assets	$1.952B	$1.344B	$119.0M	$107.0M	$425.0M	$5.751B	$504.0M	$0.00	$282.0M	$2.143B	$0.00	$439.0M					$0.00	$1.982B		$0.00	$0.00	$22.08B
YoY Change	45.24%	1029.41%	11.21%	-74.82%	-92.61%	1041.07%		-100.0%	-86.84%		-100.0%						-100.0%				-100.0%
Total Long-Term Assets
YoY Change
Total Assets	$90.82B	$86.44B	$99.17B	$105.7B	$101.3B	$100.9B	$105.3B	$104.7B	$106.4B	$111.3B	$108.0B	$113.3B	$114.3B	$112.4B	$108.2B	$107.4B	$114.3B	$110.9B	$105.7B	$103.9B	$103.4B	$117.4B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$48.00M	$51.00M	$45.00M		$55.00M
YoY Change	-5.88%	13.33%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Long-Term Debt Due											$0.00			$0.00	$930.0M	$1.133B	$200.0M	$199.0M	$152.0M	$559.0M	$2.239B	$1.850B
YoY Change														-100.0%	-17.92%	466.5%	0.5%	30.92%	-72.81%	-75.03%	21.03%
Total Short-Term Liabilities	$48.00M	$51.00M	$45.00M		$55.00M										$930.0M	$1.133B	$200.0M	$199.0M	$152.0M	$559.0M	$2.239B	$1.850B
YoY Change	-5.88%	13.33%													-17.92%	466.5%	0.5%	30.92%	-72.81%	-75.03%	21.03%
Long-Term Debt	$1.584B	$1.611B	$1.899B	$3.548B	$3.588B	$4.018B	$4.574B	$4.564B	$6.669B	$6.812B	$7.441B	$7.178B	$8.378B	$8.883B	$7.084B	$7.716B	$7.358B	$6.786B	$5.496B	$4.891B	$2.147B	$472.0M
YoY Change	-1.68%	-15.17%	-46.48%	-1.11%	-10.7%	-12.16%	0.22%	-31.56%	-2.1%	-8.45%	3.66%	-14.32%	-5.69%	25.4%	-8.19%	4.87%	8.43%	23.47%	12.37%	127.81%	354.87%
Other Long-Term Liabilities	$2.345B	$1.629B	$1.500B	$2.315B	$2.301B	$4.379B	$2.593B	$3.574B	$3.835B	$4.902B	$4.096B	$5.300B	$6.308B	$6.085B	$6.298B	$6.860B	$6.255B	$7.366B	$4.937B	$6.792B	$7.051B	$26.52B
YoY Change	43.95%	8.6%	-35.21%	0.61%	-47.45%	68.88%	-27.45%	-6.81%	-21.77%	19.68%	-22.72%	-15.98%	3.66%	-3.38%	-8.19%	9.67%	-15.08%	49.2%	-27.31%	-3.67%	-73.41%
Total Long-Term Liabilities	$3.929B	$3.240B	$3.399B	$5.863B	$5.889B	$8.397B	$7.167B	$8.138B	$10.50B	$11.71B	$11.54B	$12.48B	$14.69B	$14.97B	$13.38B	$14.58B	$13.61B	$14.15B	$10.43B	$11.68B	$9.198B	$26.99B
YoY Change	21.27%	-4.68%	-42.03%	-0.44%	-29.87%	17.16%	-11.93%	-22.52%	-10.33%	1.53%	-7.54%	-15.03%	-1.88%	11.85%	-8.19%	7.07%	-3.81%	35.65%	-10.7%	27.02%	-65.92%
Total Liabilities	$83.34B	$76.46B	$83.66B	$90.43B	$87.16B	$88.47B	$91.88B	$92.01B	$93.61B	$96.39B	$93.65B	$96.82B	$97.76B	$98.53B	$95.91B	$98.46B	$100.8B	$97.54B	$92.34B	$91.01B	$87.63B	$100.6B
YoY Change	9.0%	-8.61%	-7.48%	3.75%	-1.49%	-3.71%	-0.15%	-1.7%	-2.89%	2.93%	-3.27%	-0.96%	-0.78%	2.73%	-2.59%	-2.35%	3.38%	5.63%	1.46%	3.86%	-12.9%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Basic Shares Outstanding	468.8M	504.5M	506.9M	505.2M		500.4M	499.0M	498.3M	497.4M shares	496.4M shares	493.6M shares	491.6M shares	490.6M shares	489.3M shares	451.1M shares
Diluted Shares Outstanding	474.9M	511.0M	514.7M	511.6M	509.7M	500.4M	501.4M	498.3M	497.4M shares	496.4M shares	498.7M shares	494.4M shares	493.5M shares	493.9M shares	451.1M shares	433.2M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $3.2497 Billion

About GENWORTH FINANCIAL INC

Genworth Financial, Inc. engages in offering mortgage and long-term care insurance products. The company is headquartered in Glen Allen, Virginia and currently employs 2,700 full-time employees. The company went IPO on 2004-05-25. The firm is the holding company of Enact Holdings. The firm operates through three segments: Enact, Long-Term Care Insurance Segment and Life and Annuities. Through Enact Holdings and its mortgage insurance subsidiaries, Enact segment provides private mortgage insurance products and services. The segment is engaged in the business of writing and assuming residential mortgage guaranty insurance. Long-Term Care Insurance Segment includes long-term care insurance products. The segment offers individual long-term care insurance policies. Life and Annuities segment offers a variety of protection and retirement income products through its principal United States life insurance subsidiaries. The segment includes traditional and non-traditional life insurance, fixed annuities and variable annuities.

Industry: Life Insurance Peers: American National Group Inc. NeueHealth, Inc. Brighthouse Financial, Inc. CNO Financial Group, Inc. METLIFE INC Oscar Health, Inc. National Western Life Group, Inc. Primerica, Inc. TRUPANION, INC.