Stock Ratings / Financials / GNW / financials

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Genworth Financial Inc (GNW) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$9.03 +1.69% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.04

Genworth Financial Inc (GNW) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $3.41B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.04 (+0.11%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 4.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GNW)Realized 20D OHLCV Swing Band: ±5.5%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY GNW SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (22% of score)

FRED Regime × Technicals: 42% of 52W Range • RSI-14 at 37.1 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$9.40-3.5% Next Q

Q2 (-2Q)

Grade B$9.07-1.8% Next Q

Q3 (-1Q)

Grade B-$8.91+1.3% Next Q

Current

Grade C$9.03+1.3% Hist 90D α

Trajectory: B (73) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GNW Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, GNW faces multiple-compression risk if 15.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.59) or 200D SMA ($9.11) invalidates the momentum regime and cuts Target Base ($9.31) toward Bear Floor ($7.26).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GNW• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “GNW Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How GNW Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$327.0M (4.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $7.49B

FY24

Rev $7.29B

FY25

Rev $7.30B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$7.30B	52%	0%	$223.0M	$327.0M	2.5%
FY 2024	$7.29B	52%	0%	$299.0M	$88.0M	2.5%
FY 2023	$7.49B	52%	0.5%	$76.0M	$597.0M	2.5%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring GNW)

✓Walkthrough of GNW's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

GNW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.73%📐 HORIZONTAL RANGE

2026-10-30O $8.85H $9.03L $8.65C $9.03VOL 2.85M

RES: $11.29SUP: $8.46SMA50: $9.59SMA200: $9.11

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GNW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GNW Butterfly Map → + Track GNW →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.6%/yr Implied 5Y Growth

vs. +0.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on GNW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GNW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for GNW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GNW)

Financials Rank #314 of 1096 ⚔️ FG vs GNW Full Matrix →

1. Head-to-Head Financials Peer Comparison (GNW vs. FG, BHF, LNC, PRI)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Genworth Financial Inc (GNW) ranks #314 by composite RQD confidence (65/100, grade C) and #336 by equity capitalization ($3.41B). Within this direct 5-issuer industry benchmark cohort, LNC leads on earnings valuation at 6.7x trailing P/E, while FG leads on capital efficiency and profitability with 5.2% ROIC and — gross margin. PRI currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with GNW at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
GNW ACTIVE Genworth Financial Inc	C	65/100	15.3x	—	2.5%	+1.69%	$3.41B	Benchmark Subject
FG F&G Annuities & Life Inc.	D+	55/100	11.1x	—	5.2%	+2.18%	$2.76B	/fg-vs-gnw →
BHF Brighthouse Financial Inc.	C	64/100	7.5x	—	4.9%	-1.89%	$2.47B	/bhf-vs-gnw →
LNC Lincoln National Corporation	D-	42/100	6.7x	—	0.9%	+1.75%	$7.92B	/lnc-vs-gnw →
PRI Primerica Inc.	C+	66/100	24.4x	—	5.2%	+1.61%	$8.73B	/pri-vs-gnw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001276520

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Genworth Financial Inc (GNW) reported GAAP revenue of $7.30B (+0.1% vs. FY2024 revenue of $7.29B , and -2.5% cumulative change since FY2023) , GAAP net income of $223.0M, operating cash flow of $327.0M, and free cash flow of $327.0M (+271.6% YoY). On the balance sheet, GNW closed FY2025 with $88.08B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$7.30B	$223.0M	$327.0M	$327.0M	$88.08B	—
FY2024 (FY)	2024-12-31	$7.29B	$299.0M	$88.0M	$88.0M	$86.82B	—
FY2023 (FY)	2023-12-31	$7.49B	$76.0M	$597.0M	$597.0M	—	—

3. GNW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GNW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Genworth Financial Inc (NYSE: GNW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $9.03 (+1.69% 1D, market cap $3.41B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, GNW ranks #314 in composite RQD confidence.

How does GNW compare to FG and BHF in the Financials sector?

Within the Financials sector (Life Insurance), GNW carries a Roarable C (65/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 2.5%. By comparison, FG (F&G Annuities & Life Inc.) holds a D+ grade (55/100 RQD, P/E 11.1x, ROIC 5.2%, cap $2.76B) and BHF (Brighthouse Financial Inc.) posts a C grade (64/100 RQD, P/E 7.5x, ROIC 4.9%, cap $2.47B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while FG leads on capital efficiency (5.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for GNW?

Per GNW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001276520), Genworth Financial Inc generated $7.30B in revenue (+0.1% YoY), $223.0M in net income, and $327.0M in free cash flow against $88.08B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is GNW trading relative to its 50-day, 200-day, and 52-week technical levels?

GNW last traded at $9.03 (+1.69% on volume of 1,747,392 shares), positioning the stock -5.84% below its 50-day simple moving average ($9.59) and -0.88% below its 200-day simple moving average ($9.11). Across its 52-week range of $7.84 to $10.69, GNW sits at the 41.8% percentile with a 14-day RSI of 37.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($8.53 to $9.53).

GNW Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Genworth Financial Inc (GNW)?

In FY 2025 (10-K), GNW converted $7.3B of revenue into a 52% gross margin, 0% operating margin, and $327.0M in free cash flow (4.5% FCF margin).

Direct Sub-Reports: GNW RQD Cockpit GNW 12M Forecast GNW Earnings & Move GNW Dividends & DRIP GNW Insiders & 13F GNW Whale Options GNW Profit Sankey GNW News & Why