GNW - GENWORTH FINANCIAL INC

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	0.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	-2.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	-0.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	-4.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-169%)	-5.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-191%)	2.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-61%)	2.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	-4.7% Weak → Weak Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-179%)	-0.9% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	-2.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-135%)	-10.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-277%)	1.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	-2.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-141%)	-7.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-217%)	2.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	-8.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-247%)	-10.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-276%)	—	—
EPS Growth YoY (%)	-21.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	331.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-86.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-32.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	408.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-48.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	183.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-85.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	54.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	50.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	71.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	560.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-65.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	22.7% Good Good Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	-25.4% Weak ↓ Weak Declining Year-over-year change in net income	293.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-87.5% Weak ↓ Weak Declining Year-over-year change in net income	-32.6% Weak ↓ Weak Declining Year-over-year change in net income	407.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-48.1% Weak ↓ Weak Declining Year-over-year change in net income	188.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-85.4% Weak ↓ Weak Declining Year-over-year change in net income	N/M	55.0% Excellent ↓ Excellent Declining Year-over-year change in net income	50.6% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	72.3% Excellent ↓ Excellent Declining Year-over-year change in net income	563.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-65.5% Weak Weak Year-over-year change in net income	N/M	19.6% Good Good Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-4.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.4% Weak Weak Compound annual revenue growth over 3 years	-3.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-2.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.1% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.3% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-0.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-3.3% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-3.4% Weak → Weak Stable Compound annual revenue growth over 5 years	-3.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-4.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-3.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-1.1% Weak Weak Compound annual revenue growth over 5 years	-2.8% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-23.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-27.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-23.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	21.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	95.0% Excellent Excellent Compound annual EPS growth over 3 years	-40.2% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	57.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	-52.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	5.9% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	8.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	0.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	8.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	9.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	3.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	5.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	-0.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	8.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-3.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	3.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-4.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	6.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	4.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	1.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	1.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	—	—	—	—
Effective Tax Rate (%) (%)	19.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	1.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	8.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	11.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	2.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	4.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	1.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	9.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	-3.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-7.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-133%)	-13.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-159%)	6.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	3.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	0.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	1.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	-5.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-123%)	-5.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	11.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	1.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	1.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	-2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-118%)	-4.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-140%)	-8.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-169%)	3.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	1.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	-3.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-131%)	-6.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-153%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.18x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.21x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.33x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.31x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.36x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.29x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.36x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.37x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.60x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-50%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$17.85	$16.81	$15.97	$14.88	$15.45	$16.40	$16.10	$15.79	$16.62	$16.80	$17.19	$19.27	$19.05	$19.61	$21.13	$20.62	$20.10	$22.96	$25.30	—
Basic EPS, GAAP (USD)	$0.54	$0.69	$0.16	$1.21	$1.78	$0.35	$0.68	$0.24	$1.64	$-0.56	$-1.24	$-2.51	$1.13	$0.66	$0.10	$0.29	$-1.02	$-1.32	$2.77	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$22.33	$20.04	$16.74	$20.17	$30.53	$30.27	$28.14	$24.85	$26.89	$25.39	$25.75	$30.03	$29.08	$33.52	$30.69	$28.29	$25.10	$20.61	—	—
Tangible Book Value per Share (USD)	$22.33	$20.04	$16.30	$19.68	$30.25	$29.96	$28.14	$24.85	$26.89	$25.36	$25.72	$29.45	$26.52	$31.01	$26.96	$24.06	$20.49	$14.93	—	—
Basic Weighted Avg Shares (shares)	409.00M	433.90M	468.80M	504.50M	506.90M	505.20M	502.90M	500.40M	499.00M	498.30M	497.40M	496.40M	493.60M	491.60M	490.60M	489.30M	451.10M	433.20M	439.70M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.51B	$1.52B	$1.58B	$1.61B	$1.90B	$3.40B	$3.28B	$3.71B	$4.22B	$4.18B	$4.57B	$4.64B	$5.16B	$4.78B	$4.73B	$4.95B	$3.64B	$4.26B	—	—
Total Equity (USD)	$8.75B	$8.44B	$7.48B	$9.98B	$15.51B	$15.32B	$14.19B	$12.45B	$13.42B	$12.64B	$12.82B	$14.92B	$14.39B	$16.49B	$15.07B	$13.86B	$12.28B	$8.93B	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$7.30B	$7.29B	$7.49B	$7.51B	$7.83B	$8.28B	$8.10B	$7.90B	$8.29B	$8.37B	$8.55B	$9.56B	$9.40B	$9.64B	$10.37B	$10.09B	$9.07B	$9.95B	$11.12B	—
Net Income, GAAP (USD)	$223.00M	$299.00M	$76.00M	$609.00M	$904.00M	$178.00M	$343.00M	$119.00M	$817.00M	$-277.00M	$-615.00M	$-1.24B	$560.00M	$325.00M	$49.00M	$142.00M	$-460.00M	$-572.00M	$1.22B	—
Operating Cash Flow (USD)	$327.00M	$88.00M	—	$1.05B	$437.00M	$1.96B	$2.08B	$1.63B	$2.55B	$1.85B	$1.59B	$2.44B	$1.40B	$962.00M	$3.12B	$1.34B	$1.93B	$5.44B	$4.79B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Premiums Earned (USD)	$3.50B	$3.48B	$3.64B	$3.72B	$3.44B	$3.84B	$4.04B	$3.99B	$4.00B	$4.16B	$4.58B	$5.43B	$5.15B	$5.04B	$5.71B	$5.85B	$6.02B	$6.78B	$6.33B	—
Loss Ratio (%) (%)	137.8%	137.0%	131.5%	114.1%	127.6%	135.9%	127.9%	140.4%	129.3%	126.1%	112.4%	121.9%	95.1%	106.7%	104.1%	102.4%	96.7%	85.7%	72.4%	—

GENWORTH FINANCIAL INC

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