What is Genworth Finl Inc's earnings per share (EPS)?

Genworth Finl Inc (GNW) reported diluted earnings per share of $0.54 for fiscal year 2025. This represents a -20.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Genworth Finl Inc Financials

GNW

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Genworth Finl Inc (GNW) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI GNW FY2025 2026-05-06

Balance-sheet returns, not sales growth, are the main engine here, with thin and swingy profitability riding on a very large asset base.

Across FY2023-FY2025, operating cash flow added up to $1.0B while net income totaled only $598M, even though revenue barely moved. Because cash ran far ahead of earnings in FY2023, fell behind them in FY2024, and moved back ahead in FY2025, the cleaner read is that annual profit is noisy but the business still produces cash over a fuller multi-year window.

The sturdier shift is on the balance sheet: liabilities fell from $82.5B in FY2023 to $78.3B in FY2025. Equity capital also rose from $7.5B to $8.8B, which means a slightly thicker buffer is supporting the same basic revenue level and improving resilience to earnings swings.

Capital return has come mostly through repeated share count reduction rather than added leverage, with shares outstanding dropping from 446.8M to 391.8M over two years. At the same time, long-term debt slipped from $1.58B to $1.51B, so buybacks were paired with a gentler liability posture instead of balance-sheet expansion.

Financial Health Signals

Financial Health Score 14/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Genworth Finl Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Premium Growth

Capital

Combined Ratio

Stability

Piotroski F-Score Partial

5/7

Genworth Finl Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.47x

For every $1 of reported earnings, Genworth Finl Inc generates $1.47 in operating cash flow ($327.0M OCF vs $223.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.3B

YoY+0.1%

5Y CAGR-2.5%

10Y CAGR-1.6%

Genworth Finl Inc generated $7.3B in revenue in fiscal year 2025. This represents an increase of 0.1% from the prior year.

EBITDA

N/A

Net Income

$223.0M

YoY-25.4%

5Y CAGR+4.6%

Genworth Finl Inc reported $223.0M in net income in fiscal year 2025. This represents a decrease of 25.4% from the prior year.

EPS (Diluted)

$0.54

YoY-20.6%

5Y CAGR+9.1%

Genworth Finl Inc earned $0.54 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 20.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$2.0B

YoY-0.6%

5Y CAGR+14.6%

10Y CAGR-10.2%

Genworth Finl Inc held $2.0B in cash against $1.5B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

392M

YoY-7.0%

5Y CAGR-5.0%

10Y CAGR-2.4%

Genworth Finl Inc had 392M shares outstanding in fiscal year 2025. This represents a decrease of 7.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

3.0%

YoY-1.1pp

5Y CAGR+0.9pp

10Y CAGR+10.2pp

Genworth Finl Inc's net profit margin was 3.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.1 percentage points from the prior year.

Return on Equity

2.5%

YoY-1.0pp

5Y CAGR+1.4pp

10Y CAGR+7.3pp

Genworth Finl Inc's ROE was 2.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$247.0M

YoY+30.7%

Genworth Finl Inc spent $247.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 30.7% from the prior year.

Capital Expenditures

N/A

GNW Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$7.3B+0.1%	$7.3B-2.6%	$7.5B-0.1%	$7.5B-4.2%	$7.8B-5.6%	$8.3B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.0B+3.3%	$977.0M+3.7%	$942.0M-26.7%	$1.3B+28.8%	$998.0M+6.7%	$935.0M
Operating Income	N/A	N/A	$41.0M-95.0%	$818.0M+72.6%	$474.0M+52.9%	$310.0M
Interest Expense	$105.0M-8.7%	$115.0M-2.5%	$118.0M+11.3%	$106.0M-33.8%	$160.0M-17.9%	$195.0M
Income Tax	$84.0M-46.8%	$158.0M+51.9%	$104.0M-67.4%	$319.0M+28.6%	$248.0M+7.8%	$230.0M
Net Income	$223.0M-25.4%	$299.0M+293.4%	$76.0M-91.7%	$916.0M+7.8%	$850.0M+377.5%	$178.0M
EPS (Diluted)	$0.54-20.6%	$0.68+325.0%	$0.16-91.1%	$1.79+8.5%	$1.65+371.4%	$0.35

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$1.8B-0.4%	$1.8B-7.8%	$1.9B+7.7%	$1.8B+0.6%	$1.8B+0.2%	$1.8B-5.2%	$1.9B+6.3%	$1.8B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$213.0M-19.6%	$265.0M+2.3%	$259.0M+4.0%	$249.0M+5.5%	$236.0M-6.7%	$253.0M-2.3%	$259.0M+13.1%	$229.0M
Operating Income	$140.0M	N/A	N/A	$68.0M+33.3%	$51.0M	N/A	$48.0M-61.6%	$125.0M
Interest Expense	$25.0M-3.8%	$26.0M-3.7%	$27.0M+3.8%	$26.0M0.0%	$26.0M-3.7%	$27.0M-3.6%	$28.0M-6.7%	$30.0M
Income Tax	$31.0M+675.0%	$4.0M-55.6%	$9.0M-74.3%	$35.0M-2.8%	$36.0M+80.0%	$20.0M-50.0%	$40.0M+25.0%	$32.0M
Net Income	$47.0M+2250.0%	$2.0M-98.3%	$116.0M+127.5%	$51.0M-5.6%	$54.0M+5500.0%	-$1.0M-101.2%	$85.0M+11.8%	$76.0M
EPS (Diluted)	$0.12	N/A	$0.28+133.3%	$0.12-7.7%	$0.13	N/A	$0.19+11.8%	$0.17

GNW Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$88.1B+1.5%	$86.8B-4.4%	$90.8B+1.2%	$89.7B-9.5%	$99.2B-6.2%	$105.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.0B-0.6%	$2.0B-7.5%	$2.2B+23.1%	$1.8B+14.5%	$1.6B+52.2%	$1.0B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$78.3B+1.1%	$77.4B-6.1%	$82.5B+1.4%	$81.3B-1.9%	$82.9B-7.8%	$89.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.5B-0.3%	$1.5B-4.2%	$1.6B-1.7%	$1.6B-15.2%	$1.9B-44.2%	$3.4B
Total Equity	$8.8B+3.6%	$8.4B+12.9%	$7.5B-2.0%	$7.6B-50.8%	$15.5B+1.3%	$15.3B
Retained Earnings	$1.7B+15.2%	$1.5B+20.5%	$1.2B+6.5%	$1.1B-54.3%	$2.5B+57.2%	$1.6B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$86.8B-1.5%	$88.1B-0.5%	$88.5B+1.3%	$87.3B+0.1%	$87.3B+0.5%	$86.8B-4.3%	$90.8B+3.7%	$87.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$2.1B+4.1%	$2.0B0.0%	$2.0B+13.3%	$1.8B-5.0%	$1.9B-7.7%	$2.0B-0.4%	$2.1B+6.5%	$1.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$76.9B-1.8%	$78.3B-0.4%	$78.7B+1.4%	$77.6B0.0%	$77.6B+0.2%	$77.4B-5.0%	$81.5B+4.2%	$78.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.5B-0.3%	$1.5B-0.5%	$1.5B0.0%	$1.5B+0.1%	$1.5B+0.1%	$1.5B-1.9%	$1.5B-1.0%	$1.6B
Total Equity	$8.8B+0.7%	$8.8B-0.7%	$8.8B+0.3%	$8.8B+0.9%	$8.7B+3.2%	$8.4B+1.6%	$8.3B-1.7%	$8.5B
Retained Earnings	$1.7B+2.8%	$1.7B-2.7%	$1.7B+7.2%	$1.6B+3.2%	$1.6B+7.0%	$1.5B-3.3%	$1.5B+5.9%	$1.4B

GNW Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$327.0M+271.6%	$88.0M-85.3%	$597.0M-43.1%	$1.0B+140.0%	$437.0M-77.7%	$2.0B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$518.0M-39.8%	$861.0M-31.7%	$1.3B+72.0%	$733.0M-18.2%	$896.0M+177.7%	-$1.2B
Financing Cash Flow	-$857.0M+23.1%	-$1.1B+22.7%	-$1.4B+7.1%	-$1.6B+35.8%	-$2.4B-60.5%	-$1.5B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$247.0M+30.7%	$189.0M-36.1%	$296.0M+362.5%	$64.0M	$0	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$91.0M-54.5%	$200.0M+129.9%	$87.0M+1350.0%	$6.0M-82.4%	$34.0M+25.9%	$27.0M-83.2%	$161.0M+2200.0%	$7.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$5.0M-110.0%	$50.0M-83.8%	$308.0M+77.0%	$174.0M+1342.9%	-$14.0M-106.4%	$220.0M-8.3%	$240.0M-7.0%	$258.0M
Financing Cash Flow	-$2.0M+99.2%	-$250.0M-60.3%	-$156.0M+43.1%	-$274.0M-54.8%	-$177.0M+30.6%	-$255.0M+7.6%	-$276.0M+3.2%	-$285.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$67.0M-30.2%	$96.0M+29.7%	$74.0M+131.3%	$32.0M-28.9%	$45.0M-16.7%	$54.0M+50.0%	$36.0M0.0%	$36.0M

GNW Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	0.5%-10.4pp	10.9%+4.9pp	6.1%+2.3pp	3.7%
Net Margin	3.0%-1.1pp	4.1%+3.1pp	1.0%-11.2pp	12.2%+1.3pp	10.9%+8.7pp	2.1%
Return on Equity	2.5%-1.0pp	3.5%+2.5pp	1.0%-11.0pp	12.0%+6.5pp	5.5%+4.3pp	1.2%
Return on Assets	0.3%-0.1pp	0.3%+0.3pp	0.1%-0.9pp	1.0%+0.2pp	0.9%+0.7pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.170.0	0.18-0.0	0.210.0	0.21+0.1	0.12-0.1	0.22
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	7.9%	N/A	N/A	3.8%+0.9pp	2.9%	N/A	2.5%-4.5pp	7.1%
Net Margin	2.6%+2.5pp	0.1%-5.9pp	6.0%+3.1pp	2.8%-0.2pp	3.0%+3.1pp	-0.1%-4.6pp	4.5%+0.2pp	4.3%
Return on Equity	0.5%+0.5pp	0.0%-1.3pp	1.3%+0.7pp	0.6%-0.0pp	0.6%+0.6pp	-0.0%-1.0pp	1.0%+0.1pp	0.9%
Return on Assets	0.1%+0.1pp	0.0%-0.1pp	0.1%+0.1pp	0.1%0.0pp	0.1%+0.1pp	0.0%-0.1pp	0.1%0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.170.0	0.170.0	0.170.0	0.170.0	0.170.0	0.180.0	0.190.0	0.18
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Genworth Finl Inc's annual revenue?

Genworth Finl Inc (GNW) reported $7.3B in total revenue for fiscal year 2025. This represents a 0.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Genworth Finl Inc's revenue growing?

Genworth Finl Inc (GNW) revenue grew by 0.1% year-over-year, from $7.3B to $7.3B in fiscal year 2025.

Is Genworth Finl Inc profitable?

Yes, Genworth Finl Inc (GNW) reported a net income of $223.0M in fiscal year 2025, with a net profit margin of 3.0%.

How much debt does Genworth Finl Inc have?

As of fiscal year 2025, Genworth Finl Inc (GNW) had $2.0B in cash and equivalents against $1.5B in long-term debt.

What is Genworth Finl Inc's net profit margin?

Genworth Finl Inc (GNW) had a net profit margin of 3.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Genworth Finl Inc's return on equity (ROE)?

Genworth Finl Inc (GNW) has a return on equity of 2.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Genworth Finl Inc's operating cash flow?

Genworth Finl Inc (GNW) generated $327.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Genworth Finl Inc's total assets?

Genworth Finl Inc (GNW) had $88.1B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Genworth Finl Inc buy back shares?

Yes, Genworth Finl Inc (GNW) spent $247.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Genworth Finl Inc have outstanding?

Genworth Finl Inc (GNW) had 392M shares outstanding as of fiscal year 2025.

What is Genworth Finl Inc's debt-to-equity ratio?

Genworth Finl Inc (GNW) had a debt-to-equity ratio of 0.17 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Genworth Finl Inc's return on assets (ROA)?

Genworth Finl Inc (GNW) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Genworth Finl Inc's Piotroski F-Score?

Genworth Finl Inc (GNW) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Genworth Finl Inc's earnings high quality?

Genworth Finl Inc (GNW) has an earnings quality ratio of 1.47x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Genworth Finl Inc?

Genworth Finl Inc (GNW) scores 14 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.