GNW GENWORTH FINANCIAL INC

Overview and Growth

GENWORTH FINANCIAL INC generated $7.30B of revenue in fiscal 2025, with net income of $223.00M and an operating cash inflow of $327.00M. The $7.30B revenue base provides substantial context for the company’s earnings, cash generation, and capital requirements. The top line expanded 0.1% from $7.29B in fiscal 2024, increasing the company’s operating scale. The company reported diluted EPS of $0.54, adding a shareholder-level measure to the absolute income figures considered below. Against diluted EPS of $0.68 in fiscal 2024, the current result was 20.6% lower. A diluted share base of 414.00M links the aggregate earnings figure to diluted EPS and helps frame the per-share comparison. Diluted shares moved 5.8% from 439.40M in fiscal 2024, leaving the current share base lower year over year. Total assets stood at $88.08B, showing the scale of resources supporting revenue, earnings, liquidity, and financing. Revenue equaled 0.08x of total assets, indicating how much reported top-line activity the company produced relative to its period-end asset base.

Profitability

The bottom-line result was net income of $223.00M, after the operating, financing, tax, and other items recognized for the period. Net margin was 3.1%, meaning that this portion of revenue remained as net income after all recognized expenses. The earnings statement records $433.00M of pretax income, the profit base against which the reported tax provision can be assessed. Pretax income represented 5.9% of revenue, placing earnings before tax in the context of the company’s operating scale. The company recognized $84.00M of income tax for the period, completing the transition from pretax income to net income. The effective relationship between income tax and positive pretax income was 19.4%, without assuming a statutory-rate comparison. Return on period-end equity was 2.3%, relating annual net income to the equity capital on the balance sheet. The net-income-to-assets relationship measured 0.3%, showing earnings relative to the full balance sheet. The company moved from fiscal 2024 net income of $299.00M to $223.00M, with the current outcome ending below that comparison.

Liquidity and Capital Structure

Total assets were $88.08B, supported by $78.32B of liabilities and $9.77B of shareholder equity. The company held $2.04B in cash and equivalents, a narrower liquidity measure than total current assets. Total debt was $1.51B, establishing the amount of borrowing carried within the company’s capital structure. Debt equaled 0.15x of book equity, describing the relative scale of borrowing and shareholder capital. The debt-to-assets relationship was 1.7%, comparing borrowing with the total asset balance. Equity equaled 11.1% of assets, showing the shareholder-capital layer within the company’s balance sheet. Liabilities represented 88.9% of total assets, quantifying the liability-funded share of the company’s resource base. Cash and equivalents equaled 2.3% of total assets, showing the liquid cash component within the company’s broader resource base. The asset base changed 1.4% from $86.87B in fiscal 2024, leaving current total assets higher year over year. Against $9.43B of equity in fiscal 2024, the current book-equity balance moved 3.6% and ended higher. Compared with $2.05B in fiscal 2024, the current cash balance moved 0.6% and finished lower.

Cash Flow and Earnings Quality

The company reported $327.00M of operating cash flow, a cash inflow that shows the cash generated by operations. Operating cash flow equaled 1.47x of net income, showing how strongly accounting earnings converted into cash from operations. The operating cash outcome moved from $88.00M in fiscal 2024 to $327.00M, ending above the prior-year level.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.