Genworth Financial, Inc. Financial Ratios — GNW Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	1.67	18.85	26.12	-69.03	-70.49	-64.95	116.55	10.66	26.58	11.68	41.71	50.45	6.46	22.34	14.17
Return on Assets (%)	0.03	0.29	0.51	-1.13	-0.56	-0.26	0.78	0.12	0.34	0.17	0.83	0.97	0.08	0.34	0.25
Return on Capital (%)	- -	4.6	6.67	- -	- -	-6.34	- -	0.88	5.1	5.11	17.55	20.05	0.85	6.75	4.44
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	1.31	6.29	11.51	-14.88	-0.18	3.83	1.69	1.74	6.76	11.3	14.63	18.46	4.11	8.33	6.09
Profit Margin (%)	0.38	3.37	6.49	-14.25	-7.19	-3.31	10.87	1.51	4.45	2.17	11.19	12.39	1.03	4.19	3.14
Net Income to Common Margin (%)	0.38	3.37	6.49	-14.25	-7.19	-3.31	10.87	1.51	4.45	2.17	11.19	12.39	1.03	4.19	3.14
Effective Tax Rate (%)	- -	22.77	31.52	- -	- -	111.88	- -	51.09	26.68	24.78	22.3	23.37	34.32	26.55	19.4
Dvd Payout Ratio (%)	23.93	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	1.27	18.85	26.12	-69.03	-70.49	-64.95	116.55	10.66	26.58	11.68	41.71	50.45	6.46	22.34	14.17

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	8,378	7,178	7,441	7,112	6,967	5,161	5,171	4,018	3,985	3,403	1,899	1,611	1,584	1,518	1,513
ST Debt	222	500	485	300	298	597	597	- -	397	- -	- -	- -	- -	- -	- -
LT Debt	8,156	6,678	6,956	6,812	6,669	4,564	4,574	4,018	3,588	3,403	1,899	1,611	1,584	1,518	1,513
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	506	476	450	433	419	337	266	256	231	195	160	106	118	115	105
Common Equity/Total Assets	1.41	1.65	2.24	1.06	0.53	0.28	1.06	1.11	1.44	1.5	2.51	1.27	1.34	1.69	1.91
Long-Term Debt/Equity (%)	50.41	37.56	44.53	40.55	45.56	31.55	29.84	28.32	24.52	21.51	11.67	19.21	19	16.18	15.49
Long-Term Debt/Capital (%)	73.66	64.65	62.71	67.01	71.36	62.76	55.81	58.44	60.88	61.99	36.9	45.95	43.36	38.74	35.9
Long-Term Debt/Total Assets (%)	7.27	5.89	6.44	6.12	6.27	4.36	4.34	3.98	3.54	3.22	1.91	1.8	1.74	1.75	1.72
Total Debt/Equity (%)	51.79	40.37	47.64	42.34	47.6	35.67	33.74	28.32	27.23	21.51	11.67	19.21	19	16.18	15.49
Total Debt/Capital (%)	75.66	69.49	67.08	69.96	74.55	70.97	63.1	58.44	67.61	61.99	36.9	45.95	43.36	38.74	35.9
Total Debt/Total Assets (%)	7.47	6.33	6.89	6.39	6.55	4.93	4.91	3.98	3.93	3.22	1.91	1.8	1.74	1.75	1.72
Net Debt to Equity	24.04	19.94	20.66	14.69	6.85	16.43	14.98	14.41	4.4	5.32	2.02	-2.24	-7.57	-5.65	-5.35
Net Debt/Capital (%)	59.07	52.94	46.92	44.68	29.64	52.96	43.16	41.7	25.23	28.75	9.17	-11.01	-43.88	-28.34	-24
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.41	1.65	2.24	1.06	0.53	0.28	1.06	1.11	1.44	1.5	2.51	1.27	1.34	1.69	1.91
Long-Term Debt/Equity (%)	50.41	37.56	44.53	40.55	45.56	31.55	29.84	28.32	24.52	21.51	11.67	19.21	19	16.18	15.49
Long-Term Debt/Capital (%)	73.66	64.65	62.71	67.01	71.36	62.76	55.81	58.44	60.88	61.99	36.9	45.95	43.36	38.74	35.9
Long-Term Debt/Total Assets (%)	7.27	5.89	6.44	6.12	6.27	4.36	4.34	3.98	3.54	3.22	1.91	1.8	1.74	1.75	1.72
Total Debt/Equity (%)	51.79	40.37	47.64	42.34	47.6	35.67	33.74	28.32	27.23	21.51	11.67	19.21	19	16.18	15.49
Total Debt/Capital (%)	75.66	69.49	67.08	69.96	74.55	70.97	63.1	58.44	67.61	61.99	36.9	45.95	43.36	38.74	35.9
Total Debt/Total Assets (%)	7.47	6.33	6.89	6.39	6.55	4.93	4.91	3.98	3.93	3.22	1.91	1.8	1.74	1.75	1.72
CFO/Total Liabilities	3.25	1.01	1.51	2.58	1.73	2.08	2.84	1.88	2.4	2.18	0.53	1.29	0.72	0.11	0.42
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.13	0.13	0.16	0.12	0.1	0.1	0.1	0.11	0.11	0.11	0.13	0.12	0.12	0.13	0.14

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	1.17	0.56	0.5	0.51	0.5	0.48	0.43	0.45	0.45	0.48	0.45	0.41	0.39	0.39	0.4
Days Sales Outstanding	312.62	647.99	728.92	721.51	737.34	763.78	858.06	806.03	814.24	753.87	807.72	883.6	941.37	935.55	909.91
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	3,213	3,692	7,666	4,219	1,855	1,899	1,552	2,332	2,213	1,910	2,053	2,669	3,132	3,033	3,693
- Cash & Cash Equivalents	4,488	3,632	4,214	4,645	5,965	2,784	2,875	1,974	3,341	2,561	1,571	1,799	2,215	2,048	2,036
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	1,110	1,288	1,227	1,874	1,813	1,823	1,910	1,739	447	502	756	755	855	937	1,017
+ Total Debt	8,378	7,178	7,441	7,112	6,967	5,161	5,171	4,018	3,985	3,403	1,899	1,611	1,584	1,518	1,513
Enterprise Value	-50,443	-54,153	-46,850	-52,792	-53,837	-55,105	-57,587	-49,749	-57,274	-60,627	-57,343	-43,347	-43,425	-41,462	-1,888
Total Capital	11,073	10,330	11,092	10,166	9,345	7,272	8,195	6,876	5,894	5,490	5,146	3,506	3,653	3,918	4,215
Total Debt/Capital (%)	75.66	69.49	67.08	69.96	74.55	70.97	63.1	58.44	67.61	61.99	36.9	45.95	43.36	38.74	35.9
Total Debt / EV	-0.17	-0.13	-0.16	-0.13	-0.13	-0.09	-0.09	-0.08	-0.07	-0.06	-0.03	-0.04	-0.04	-0.04	-0.8
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	3,232	3,713	7,745	4,219	1,855	1,899	1,559	2,350	2,243	1,934	2,085	2,703	3,172	3,071	3,738
Diluted Enterprise Value	8,232	8,547	12,199	8,560	4,670	6,099	5,765	6,133	3,334	3,278	3,169	3,270	3,396	3,478	4,232
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	9,923	9,640	8,625	8,729	8,548	8,363	7,513	7,890	7,706	8,212	7,599	7,396	7,371	7,143	7,106
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3,674	1,330	1,707	2,840	1,759	1,832	3,670	1,758	2,248	2,107	561	1,130	674	172	412
TTM Free Cash Flow to Firm	3,674	1,330	1,707	2,840	1,759	1,832	3,670	1,758	2,248	2,107	561	1,130	674	172	412

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	1.03	3.86	5.54	1.73	1.17	1.01	0.61	1.44	1.08	0.99	4.77	2.58	5.31	34.9	11.43
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-50,443	-54,153	-46,850	-52,792	-53,837	-55,105	-57,587	-49,749	-57,274	-60,627	-57,343	-43,347	-43,425	-41,462	-1,888
Low Price	4.8	4.06	7.66	7.17	3.46	1.57	3.11	2.66	2.89	1.87	2.56	3.43	4.51	5.67	5.99
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	84.56	11.36	13.69	- -	- -	- -	1.9	19.6	6.45	10.73	2.42	2.91	41.21	10.14	16.56
Price/Earnings Average	122.7	9.67	10.3	-5.82	-5.26	-6.32	2.24	16.09	5.97	9.97	2.24	2.28	35.26	9.53	14.2
Price/Earnings High	190.69	14.64	13.91	-7.48	-7.43	-9.48	2.58	20.73	7.36	13.74	2.75	2.95	42.75	11.46	17.02
Price/Earnings Low	61.97	6.14	6.75	-2.86	-2.8	-2.82	1.9	11.19	4.24	5.31	1.53	1.89	27.82	8.23	10.99
Price/Book Value	2.03	1.98	3.16	3.58	3.28	6.59	1.39	2.08	1.51	1.2	0.82	2.34	2.58	2.07	2.19
Price/Book Value Average	2.94	1.69	2.38	6.14	5.73	6.07	1.64	1.71	1.4	1.12	0.76	1.83	2.21	1.95	1.88
Price/Book Value High	4.57	2.55	3.21	7.88	8.09	9.12	1.89	2.2	1.73	1.54	0.94	2.37	2.68	2.34	2.25
Price/Book Value Low	1.49	1.07	1.56	3.02	3.05	2.72	1.39	1.19	0.99	0.6	0.52	1.52	1.74	1.68	1.45
Price/Tangible Book Value	0.22	0.22	0.53	0.26	0.13	0.13	0.1	0.17	0.15	0.12	0.13	0.33	0.38	0.33	0.39
Price/Tangible Book Value Average	0.33	0.19	0.4	0.44	0.23	0.12	0.12	0.14	0.14	0.11	0.12	0.26	0.33	0.31	0.33
Price/Tangible Book Value High	0.51	0.29	0.54	0.56	0.32	0.19	0.14	0.18	0.17	0.16	0.14	0.33	0.4	0.37	0.4
Price/Tangible Book Value Low	0.16	0.12	0.26	0.22	0.12	0.06	0.1	0.1	0.1	0.06	0.08	0.21	0.26	0.27	0.26
Price/Sales	0.32	0.38	0.89	0.48	0.22	0.23	0.21	0.3	0.29	0.23	0.27	0.36	0.42	0.42	0.52
Price/Sales Average	0.47	0.33	0.67	0.83	0.38	0.21	0.24	0.24	0.27	0.22	0.25	0.28	0.36	0.4	0.45
Price/Sales High	0.73	0.49	0.9	1.07	0.53	0.31	0.28	0.31	0.33	0.3	0.31	0.37	0.44	0.48	0.53
Price/Sales Low	0.24	0.21	0.44	0.41	0.2	0.09	0.21	0.17	0.19	0.12	0.17	0.23	0.29	0.34	0.34
Price/Cash Flow	1.03	3.84	5.48	1.73	1.17	1.01	0.61	1.43	1.06	0.97	4.7	2.54	5.25	34.47	11.29
Price/Cash Flow Average	1.49	3.27	4.12	2.97	2.03	0.93	0.72	1.17	0.99	0.91	4.36	1.99	4.49	32.37	9.69
Price/Cash Flow High	2.32	4.95	5.57	3.82	2.87	1.4	0.83	1.51	1.21	1.25	5.35	2.58	5.44	38.95	11.61
Price/Cash Flow Low	0.75	2.07	2.7	1.46	1.08	0.42	0.61	0.82	0.7	0.48	2.97	1.65	3.54	27.96	7.49
Price/Free Cash Flow Average	1.5	3.29	4.17	2.97	2.03	0.93	0.72	1.18	1	0.92	4.42	2.02	4.55	32.78	9.8
Price/Free Cash Flow High	2.33	4.97	5.63	3.82	2.87	1.4	0.83	1.52	1.23	1.26	5.43	2.61	5.51	39.45	11.75
Price/Free Cash Flow Low	0.76	2.09	2.73	1.46	1.08	0.42	0.61	0.82	0.71	0.49	3.02	1.67	3.59	28.31	7.58
EV/Sales Average	0.97	0.83	1.19	1.33	0.71	0.71	0.8	0.72	0.41	0.38	0.39	0.36	0.39	0.46	0.52
EV/Sales High	1.23	1	1.42	1.56	0.86	0.82	0.84	0.79	0.47	0.46	0.45	0.44	0.47	0.54	0.6
EV/Sales Low	0.74	0.71	0.95	0.91	0.53	0.6	0.77	0.65	0.33	0.28	0.31	0.31	0.32	0.4	0.41
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.55	7.51	15.53	8.5	3.73	3.81	3.11	4.66	4.4	3.78	4.05	5.29	6.68	6.99	9.03
High Price	14.77	9.68	15.78	18.74	9.19	5.27	4.23	4.93	5.02	4.84	4.61	5.36	6.93	7.9	9.28
Enterprise Value Average	9,663	7,977	10,221	11,587	6,051	5,950	6,035	5,698	3,140	3,119	2,987	2,659	2,904	3,255	3,661
Enterprise Value High	12,246	9,593	12,243	13,644	7,386	6,826	6,317	6,250	3,616	3,789	3,421	3,274	3,473	3,835	4,290
Enterprise Value Low	7,355	6,830	8,235	7,900	4,536	4,982	5,758	5,114	2,544	2,289	2,382	2,297	2,338	2,867	2,944

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	491	492	495	497	498	498	499	501	504	506	508	495	447	421	392
Diluted Weighted Avg Shares	494	494	499	496	497	498	501	504	510	512	515	511	475	439	414
Basic Weighted Avg Shares	491	492	494	496	497	498	499	500	503	505	507	504	469	434	409
Revenue per Share	20.23	19.61	17.47	17.58	17.19	16.78	15.06	15.77	15.32	16.25	14.99	14.66	15.72	16.46	17.37
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.08	0.66	1.13	-2.51	-1.24	-0.56	1.64	0.24	0.68	0.35	1.68	1.82	0.16	0.69	0.55
Basic EPS from Cont Ops	0.29	0.95	1.38	-2.43	-0.01	-0.08	1.07	0.13	0.76	1.38	1.7	2.07	0.42	1.01	0.85
Diluted EPS, GAAP	0.08	0.66	1.12	-2.51	-1.24	-0.56	1.63	0.24	0.67	0.35	1.65	1.79	0.16	0.68	0.54
Diluted EPS from Cont Ops	0.29	0.95	1.36	-2.43	-0.01	-0.08	1.06	0.13	0.75	1.36	1.68	2.05	0.42	0.99	0.84
Dividend per Share	0.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	6.37	1.96	2.83	4.91	3.2	3.76	5.12	3.26	4.13	3.88	0.86	2.08	1.27	0.2	0.8
Free Cash Flow per Basic Share	6.37	1.96	2.83	4.91	3.2	3.76	5.12	3.26	4.13	3.88	0.86	2.08	1.27	0.2	0.8
Cash & Equivalents per Share	128.71	134.89	128.01	132.95	129.62	128.41	132.71	115.58	127.1	131.52	122.41	95.9	104.51	108.2	19.83
Book Value per Share	3.23	3.79	4.91	2.38	1.14	0.58	2.23	2.24	2.91	3.14	4.91	2.26	2.59	3.37	4.12
Tangible Book Value per Share	29.24	33.66	29.08	33.3	28.71	28.33	30.11	27.69	28.7	31	31.81	16.22	17.36	21.17	23.4

Genworth Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)