GENWORTH FINANCIAL INC financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data GENWORTH FINANCIAL INC files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	8,369	7,513	7,901	7,705	8,284	7,822	7,495	7,488	7,295	7,301
Selling, general and administrative	1,273	957	943	909	935	998	1,285	942	977	1,009
Operating income	-316	530	-5	355	310	474	818	41
Interest expense	337	266	256	231	195	160	106	118	115	105
Pre-tax income	320	127	137	521	928	1,112	1,365	303	595	433
Income tax	358	-406	70	139	230	248	319	104	158	84
Income from continuing operations	-248	613	-3	382	698	831	916	76	309	222
Net income to minority interests	210	110	178	187	34	41	130	123	128	127
Net income	-277	817	119	343	178	850	916	76	299	223
EBITDA	182	922	343	763	773	858	1,144	305
EPS, basic	-0.53	1.54	0.23	0.64	0.33	1.68	1.82	0.16	0.69	0.54
EPS, diluted	-0.53	1.53	0.23	0.63	0.33	1.65	1.79	0.16	0.68	0.54
Shares, basic (weighted)	532	532	534	536	539	507	504	469	434	409
Shares, diluted (weighted)	532	535	534	544	546	515	511	475	439	414

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	2,784	2,875	1,974	3,262	1,032	1,571	1,799	2,215	2,048	2,036
Lease right-of-use assets			67
Goodwill	14
Intangible assets					157	143	203	198	197
Total assets	104,658	105,297	100,923	101,342	105,747	99,171	89,714	90,817	86,821	88,083
Total liabilities	90,191	89,969	86,734	86,710	89,927	82,905	81,328	82,482	77,440	78,316
Total debt	4,180	4,224	3,707	3,277	3,403	1,899	1,611	1,584	1,518	1,513
Paid-in capital	11,962	11,977	11,987	11,990	12,008	11,858	11,869	11,884	11,875	11,888
Retained earnings	287	1,113	1,118	1,461	1,584	2,490	1,139	1,213	1,462	1,684
Treasury stock	-2,700	-2,700	-2,700	-2,700	-2,700	-2,700	-2,764	-3,063	-3,251	-3,499
Other comprehensive income	3,094	3,027	2,044	3,433	-7,108	-5,855	-2,614	-2,555	-1,643	-1,324
Shareholders' equity	12,644	13,418	12,450	14,185	15,318	15,510	7,631	7,480	8,444	8,750
Minority interests	1,823	1,910	1,739	447	502	756	755	855	937	1,017
Total equity	14,467	15,328	14,189	14,632	15,820	4,285	8,336	8,285	9,381	9,767
Total liabilities and equity	104,658	105,297	100,923	101,342	105,747	99,171	89,714	90,817	86,821	88,083
Shares outstanding	531	532	534	538	540	508	495	447	421	392

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	-67	927	297	530	212	891	1,046	199	427	350
Depreciation and amortization	498	392	348	408	463	384	326	264	249	231
Stock-based compensation	32	31	35	26	39	40	37	49	51	58
Deferred income tax	145	-427	28	119	228	275	315	48	-103	-55
Cash from operations	1,872	2,554	1,633	2,079	1,960	437	1,049	597	88	327
Acquisitions	0	-5	0	0
Sales and maturities of investments	3,889	4,170	3,312	3,131	3,637	4,162	2,705	2,426	2,524	2,926
Cash from investing	-2,120	-759	-622	1,301	-1,153	896	733	1,261	861	518
Debt issued	0	0	441	0	738	0	0	0	750	0
Debt repaid	-382	0	-600	-446	-490	-1,541	-297	-32	-824	-7
Share buybacks					0	0	-64	-296	-189	-247
Cash from financing	-2,951	-1,768	-1,621	-2,217	-1,507	-2,419	-1,554	-1,443	-1,115	-857
Exchange rate effect	-10	64	-88
Net change in cash	-3,209	91	-698	1,164	-685	-1,085	228	416	-167	-12
Interest paid	381	301	309	287	176	186	101	110	124	101
Income taxes paid	203	46	33	1	3	7	5	10	248	168

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $9.43 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	5.4%	Pre-tax income / revenue.
Net margin	2.9%	Net income / revenue.
Operating cash flow margin	5.8%	Cash from operations / revenue.
Effective tax rate	17.4%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	2.4%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.2%	Net income / average total assets.
SG&A / revenue	13.6%	Selling, general and administrative expense / revenue.
Stock-based pay / revenue	0.9%	Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue	3.0%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	0.1%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	-0.9%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	-2.5%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	-25.4%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-37.6%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	4.6%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	-20.6%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-32.9%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	10.5%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	271.6%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-32.2%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-30.1%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	3.6%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	4.7%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	-10.6%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	1.5%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-0.6%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	-3.6%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-5.8%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-6.8%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-5.4%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.17x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	1.7%	Total debt / total assets.
Liabilities / assets	88.8%	Total liabilities / total assets.
Net debt	-$486.0M	Total debt - cash - short-term investments. Negative means more cash than debt.
Tangible book value	$8.73B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.08x	Revenue / average total assets.

Per share

Metric	Value	How it is calculated
EPS, diluted	$0.55	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$19.15	Revenue / diluted weighted shares.
Operating cash flow per share	$1.11	Cash from operations / diluted weighted shares.
Book value per share	$23.07	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$23.07	Tangible book value / shares outstanding.
Cash per share	$5.25	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$3.56B	Share price x shares outstanding.
Enterprise value	$3.08B	Market cap + total debt - cash - short-term investments.
P/E	16.8x	Market cap / net income. Only when net income is positive.
P/S	0.48x	Market cap / revenue.
P/B	0.41x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.41x	Market cap / tangible book value, when positive.
P/OCF	8.29x	Market cap / cash from operations, when positive.
EV/Sales	0.42x	Enterprise value / revenue.
Earnings yield	5.9%	Net income / market cap (the inverse of P/E).
Shareholder yield	8.4%	(Dividends paid + share buybacks) / market cap.

What was GENWORTH FINANCIAL INC's revenue in fiscal 2025?

GENWORTH FINANCIAL INC reported revenue of $7.30B for fiscal 2025, 0.1% higher than the year before.

Was GENWORTH FINANCIAL INC profitable in fiscal 2025?

Yes. Net income was $223.0M, a net margin of 3.1%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

Open interactive statements, quarterly figures and charts

Back to GENWORTH FINANCIAL INC