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GNW(GNW)
GNW
Earnings in 2 days · May 5, 2026 · After close
Signal
Leaning Bearish1↓
PRICE
Prev Close
8.80
Open
8.87
Day Range8.75 – 8.94
8.75
8.94
52W Range6.63 – 9.28
6.63
9.28
82% of range
VOLUME & SIZE
Avg Volume
3.3M
FUNDAMENTALS
P/E Ratio
16.3x
EPS (TTM)
—
Div Yield
No dividend
Beta
0.91
Market-like
Performance
1D
+0.17%5D
-0.45%1M
+5.01%3M
+4.01%6M
+4.38%YTD↓
-2.44%1Y↑
+26.58%Best: 1Y (+26.58%)Worst: YTD (-2.44%)
Quick Read
Trend—Insufficient MA data
Momentum
BEARISH
thin 10% gross marginValuation
FAIR
P/E 16x vs ~20x sectorHealth
STRONG
CR 289.0 · FCF $0.82/shLean Bullish
Key MetricsTTM
Market Cap$3.41B
Revenue TTM$6.87B
Net Income TTM$223.00M
Free Cash Flow$327.00M
Gross Margin9.7%
Net Margin3.2%
Operating Margin6.3%
Return on Equity2.5%
Return on Assets0.3%
Debt / Equity0.17
Current Ratio289.02
EPS TTM$0.56
Alpha SignalsFull Analysis →
What Moves This Stock
Long-term care reserve adequacy and loss ratio trends - any reserve strengthening announcements create significant downside volatility
Enact mortgage insurance new insurance written (NIW) volumes and persistency rates - directly tied to housing market activity and refinancing trends
Housing price appreciation or depreciation - affects mortgage insurance loss ratios and claim severity on defaulted loans
Interest rate environment - impacts investment portfolio yields (60%+ fixed-income assets) and long-term care reserve discount rates
Macro Sensitivity
Economic Cycle
high - Mortgage insurance performance is directly correlated with employment levels, housing prices, and mortgage origination volumes. Economic recessions increase mortgage defaults and reduce new policy originations. Long-term care claims exhibit counter-cyclical characteristics as policyholders delay care during downturns but the investment portfolio suffers from credit spread widening and potential impairments.
Interest Rates
Rising rates create mixed effects: positive for investment portfolio reinvestment yields (improving long-term care economics and net investment income), but negative for mortgage origination volumes which reduces Enact NIW. The company holds approximately $35-40 billion in fixed-income investments with 8-10 year average duration, creating meaningful mark-to-market volatility in AOCI. Higher rates also reduce present value of long-term care reserves, potentially improving statutory capital ratios.
Key Risks
Long-term care reserve inadequacy - industry-wide issue where original pricing assumptions (lapse rates, morbidity, interest rates) have proven overly optimistic, requiring ongoing reserve strengthening that could exceed $1 billion
Mortgage insurance competitive pressure from government-sponsored enterprises (Fannie Mae, Freddie Mac) potentially reducing private MI market share through credit risk transfer programs and evolving capital standards
Regulatory capital requirements increasing under state insurance solvency frameworks and potential federal oversight expansion
Investor Profile
value - Stock trades at 0.4x book value and 0.5x sales, attracting deep value investors betting on long-term care reserve stabilization and Enact earnings quality. Distressed/special situations investors focus on potential corporate actions including Enact stake monetization or legacy portfolio runoff acceleration. Not suitable for income investors due to suspended parent company dividends and uncertain capital return timeline.
Watch on Earnings
Case-Shiller Home Price Index - primary driver of mortgage insurance loss severity and claim frequency30-year fixed mortgage rates - determines refinancing activity and mortgage insurance persistency10-year Treasury yield - affects investment portfolio returns and long-term care reserve discount ratesUnemployment rate - leading indicator for mortgage defaults and insurance claims
Health Radar
2 strong1 watch3 concern
42/100Liquidity
289.02Strong
Leverage
0.17Strong
Coverage
4.1xWatch
ROE
2.5%Concern
ROIC
0.4%Concern
Cash
$2.0BConcern
ANALYST COVERAGE17 analysts
HOLD
Stock Health
Composite Score
1 of 5 signals bullish
3/10
Technicals
●
✗RSI RangeRSI 49 — Bearish momentum
Volume
●
✗Volume FlowDistribution — institutional selling
Fundamentals
●
✗Last EarningsMissed estimates
●
~Analyst ConsensusHold
●
✓LiquidityCurrent Ratio 289.02 — healthy liquidity
Upcoming Events
EEarnings ReportMay 4, 2026
Tomorrow
DEx-Dividend DateJul 31, 2026
In 89 days
PDividend PaymentAug 14, 2026
In 103 days
FinancialsFull statements →
Technicals
Technical SetupBULLISH
Technicals →Trend
▲ UptrendGolden Cross · 50D leads 200D by 3.3%
+0.7% vs SMA 50 · +4.0% vs SMA 200
Momentum
RSI48.6Neutral territory
MACD+0.03Above zero — bullish momentum · expanding
Market Position
Price Levels
52W High
$9.28+5.3%
Current
$8.81
EMA 50
$8.78-0.4%
EMA 200
$7.40-16.0%
52W Low
$6.63-24.7%
52-Week RangeNear 52-week high
$6.6382th %ile$9.28
Squeeze SetupVolume-based
Distribution PressureDistribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
20-Day Money Flow
Acc days:2
Dist days:2
Edge:Even
Volume Context
Avg Vol (50D)7.3M
Recent Vol (5D)
4.8M-34%
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Earnings & Analysts
ANALYST ESTIMATES
Consensus of 1 analyst
Analyst revisions:EPS↓ Revised DownRevenue↓ Revised Down
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $7.7B $7.6B–$7.8B | — | $0.75 | — | — | Low1 |
FY2024 | $7.1B $7.1B–$7.1B | ▼ -6.9% | $0.82 | ▲ +10.0% | — | Low1 |
FY2025 | $6.4B $6.4B–$6.4B | ▼ -10.9% | $0.62 | ▼ -24.8% | — | Low1 |
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryGNW
Last 8Q
-12.3%avg beat
Beat 3 of 8 quartersMissed 5↓ Estimates falling+6%
Q2'24
+40%
Q3'24
-42%
Q4'24
-78%
Q1'25
-43%
Q2'25
+167%
Q3'25
-60%
Q4'25
-88%
Q1'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Insider Activity
SEC Filings →0 Buys/3 SellsNet Selling
Mcinerney Thomas JDir
$346K
Dec 2
SELL
Karawan Gregory S.EVP and Genera…
$340K
Nov 24
SELL
Gupta RohitPresident & CE…
$750K
Aug 27
SELL
Financials
INSTITUTIONAL OWNERSHIP
1
River Road Asset Management, LLC
15.3M▼2
Nuveen, LLC
10.1M▲3
Assenagon Asset Management S.A.
1.6M▼4
SG Americas Securities, LLC
1.2M▲5
THRIVENT FINANCIAL FOR LUTHERANS
1.1M▲6
FIFTH THIRD BANCORP
563K▲7
NEW YORK STATE TEACHERS RETIREMENT SYSTEM
525K▼8
COMMONWEALTH EQUITY SERVICES, LLC
286K▼News & Activity
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About
Genworth Financial, Inc. is a Fortune 500 insurance holding company committed to helping families achieve the dream of homeownership and address the financial challenges of aging through its leadership positions in mortgage insurance and long term care insurance. Headquartered in Richmond, Virginia, Genworth traces its roots back to 1871.
Sector
Industry
Direct Life Insurance Carriers
CEO
Thomas McInerney
Website
Rohit GuptaPresident & CEO of Enact Holdings, Inc.
Samir ShahPresident & CEO of CareScout
Brian JohnsonSenior Vice President of Financial Planning & Analysis
Peers— Financial Services(7 companies)
Screen sector →| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
GNW◀ | $8.81 | +0.17% | $3.4B | 15.7 | -1086.4% | 350.2% | 1500 |
| $312.47 | -0.24% | $842.7B | 14.8 | +330.7% | 2039.3% | 1502 | |
| $328.03 | -0.55% | $628.8B | 28.2 | +1134.0% | 5014.5% | 1498 | |
| $495.46 | -1.48% | $438.6B | 28.4 | +1641.6% | 4564.7% | 1488 | |
| $53.24 | -0.41% | $382.1B | 12.2 | -45.1% | 1592.6% | 1501 | |
| $190.18 | -0.22% | $302.0B | 16.4 | +1147.7% | 1466.4% | 1516 | |
| $923.71 | -0.01% | $274.1B | 15.5 | -138.4% | 1373.0% | 1515 | |
| Sector avg | — | -0.39% | — | 18.7 | +426.3% | 2343.0% | 1503 |