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Upturn AI SWOT - About
GNW 
Genworth Financial Inc (GNW)
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Upturn Advisory Summary
04/01/2025: GNW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -41.7% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.97B USD | Price to earnings Ratio 10.13 | 1Y Target Price 8.5 |
Price to earnings Ratio 10.13 | 1Y Target Price 8.5 | ||
Volume (30-day avg) 5494842 | Beta 1.02 | 52 Weeks Range 5.67 - 7.90 | Updated Date 03/31/2025 |
52 Weeks Range 5.67 - 7.90 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.1% | Operating Margin (TTM) 7.13% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 4.92% |
Valuation
Trailing PE 10.13 | Forward PE - | Enterprise Value 2431271974 | Price to Sales(TTM) 0.41 |
Enterprise Value 2431271974 | Price to Sales(TTM) 0.41 | ||
Enterprise Value to Revenue 0.34 | Enterprise Value to EBITDA - | Shares Outstanding 418849984 | Shares Floating 409635642 |
Shares Outstanding 418849984 | Shares Floating 409635642 | ||
Percent Insiders 1.94 | Percent Institutions 90.78 |
Analyst Ratings
Rating 3 | Target Price 8.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Genworth Financial Inc
Company Overview
History and Background
Genworth Financial Inc. was established in 2004 when GE spun off its financial insurance and investment businesses. Since then, it has focused on mortgage insurance and long-term care insurance, facing various market challenges and strategic realignments.
Core Business Areas
- U.S. Mortgage Insurance: Provides mortgage insurance products that protect lenders against losses from borrower defaults.
- Canada Mortgage Insurance: Provides mortgage insurance products in Canada, similar to its U.S. operations.
- Long-Term Care Insurance: Offers long-term care insurance policies that cover the costs of nursing homes, assisted living facilities, and home healthcare.
Leadership and Structure
Genworth's leadership team typically includes a CEO, CFO, and other executive officers overseeing different business segments. The organizational structure is generally hierarchical, with business units reporting to the executive management.
Top Products and Market Share
Key Offerings
- U.S. Mortgage Insurance: Protects lenders against losses from borrower defaults. Genworth's market share fluctuates, but it's a significant player. Competitors include MGIC Investment Corp (MTG), Radian Group (RDN), and National Mortgage Insurance (NMIH).
- Canada Mortgage Insurance: Mortgage insurance offered in Canada. Genworth has a strong presence in the Canadian market. Competitors include Canada Guaranty.
- Long-Term Care Insurance: Long-term care insurance that covers the costs of nursing homes. Genworth has faced challenges in this segment. Competitors include Mutual of Omaha and Northwestern Mutual.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by housing market conditions, interest rates, and regulatory changes. The long-term care insurance industry is affected by aging demographics and healthcare costs.
Positioning
Genworth's position varies across its segments. It's a significant player in mortgage insurance but has faced challenges in long-term care due to legacy policies. Competitive advantages may include brand recognition and established distribution networks.
Total Addressable Market (TAM)
The TAM for mortgage insurance is tied to the size of the mortgage market, potentially trillions of dollars. The TAM for long-term care insurance is large, driven by the aging population, but Genworth faces challenges related to profitability in the sector. Genworth is positioned to tap into these markets.
Upturn SWOT Analysis
Strengths
- Established brand name
- Significant market presence in mortgage insurance
- Diversified product offerings (mortgage and long-term care)
- Experienced management team
Weaknesses
- Legacy long-term care policies create financial strain
- Sensitivity to housing market fluctuations
- Regulatory scrutiny
- High debt levels
Opportunities
- Expanding mortgage insurance business through partnerships
- Developing new long-term care products
- Capitalizing on the aging population's needs
- Digital transformation to enhance efficiency
Threats
- Economic downturn impacting mortgage defaults
- Rising healthcare costs affecting long-term care claims
- Increased competition in mortgage insurance
- Changes in government regulations
Competitors and Market Share
Key Competitors
- MTG
- RDN
- NMIH
- CM
Competitive Landscape
Genworth faces intense competition in mortgage insurance. Its competitive advantages depend on pricing, risk management, and distribution network. The long-term care business faces challenges related to legacy policies and profitability.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Genworth's growth has been uneven due to challenges in long-term care. Mortgage insurance has been a more stable source of revenue.
Future Projections: Analyst estimates depend on market conditions and Genworth's strategic execution. Projecting stable to moderate growth in mortgage insurance and addressing long-term care liabilities are critical.
Recent Initiatives: Recent initiatives may include cost-cutting measures, restructuring of long-term care business, and expansion of mortgage insurance offerings.
Summary
Genworth Financial is a company navigating both opportunities and challenges. While its mortgage insurance segment demonstrates stability, legacy long-term care policies pose significant financial strain. Managing debt and adapting to changing market conditions are critical. The company's future hinges on successful strategic execution and navigating the complexities of the insurance industry.
Similar Companies
- MTG
- RDN
- NMIH
- FNMA
- FMCC
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Research Reports
- Analyst Estimates
Disclaimers:
The data provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Genworth Financial Inc
Exchange NYSE | Headquaters Richmond, VA, United States | ||
IPO Launch date 2004-05-25 | President, CEO & Director Mr. Thomas Joseph McInerney | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 2960 | Website https://www.genworth.com |
Full time employees 2960 | Website https://www.genworth.com | ||
Genworth Financial, Inc., together with its subsidiaries, provides mortgage and long-term care insurance products in the United States and internationally. It operates through three segments: Enact, Long-Term Care Insurance, and Life and Annuities. The Enact segment offers primary mortgage, and mortgage insurance products, and contract underwriting services. The Long-Term Care Insurance segment offers long-term care insurance products that are intended to protect against the significant and escalating costs of long-term care services provided in the insured's home, assisted living, and nursing facilities. The Life and Annuities segment provides protection and retirement income products, that includes traditional and non-traditional life insurance, such as term, universal and term universal life insurance, corporate-owned life insurance, and funding agreements; fixed annuities; and variable annuities. It distributes its products through sales force, sales representatives, and digital marketing programs. The company was founded in 1871 and is headquartered in Richmond, Virginia.
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