COMP <GO>

GNW vs CIA // 10Y YIELD & FRED MACRO BETA

Genworth Financial Inc (NYSE) VS. Citizens Inc. ($1.00 Par) (Class A) (NYSE) • 15-METRIC TALLY: GNW 3 — CIA 2

■ METRIC PARITY

LAST: $9.03 (+1.69%) • MKT CAP: $3.41B

macro-sensitivity

—

LAST: $3.86 (+1.58%) • MKT CAP: $195.5M

macro-sensitivity

—

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (GNW VS. CIA) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	GNW	CIA	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	2.50%	—	—	TIE	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	9.58%	8.97%	+0.61	GNW	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	3.10%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	0.10%	4.30%	-4.20	CIA	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.00%	0.00	TIE	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	3/9	+1.00	GNW	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	37.1	50.1	-12.97	CIA	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta ACTIVE	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	14.2x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$3.41B	$195.5M	$3.22B	GNW	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	GNW REV	CIA REV	GNW GROSS %	CIA GROSS %	GNW FCF	CIA FCF
FY 2025	$7.30B	$255.6M	—	—	$327.0M	$17.5M
FY 2024	$7.29B	$245.0M	—	—	$88.0M	$31.3M
FY 2023	$7.49B	$240.7M	—	—	$597.0M	$22.1M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

GNW // BETA —

CIA // BETA —