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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -1.7 | -2.1 | -3.2 |
| EBITDA Growth (%) | 0 | 0 | -22.5 |
| Free Cash Flow Growth (%) | -13.2 | -28.4 | -50 |
| Book Value Growth (%) | 1 | 12.5 | 9.8 |
See this page for the explanation of the data and charts
* All numbers are in millions except for per share data
| Per Share Data | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Revenue per Share ($) | 23.86 |
22.55 |
21.68 |
23.50 |
24.85 |
22.96 |
20.10 |
20.43 |
20.96 |
20.27 |
20.02 |
4.89 |
5.11 |
5.13 |
5.14 |
4.64 |
| EBITDA per Share | 9.19 |
9.22 |
9.02 |
9.69 |
1.79 |
-0.13 |
-0.02 |
1.68 |
2.14 |
1.44 |
1.72 |
0.75 |
0.34 |
0.20 |
0.70 |
0.48 |
| Free Cashflow per Share | 7.60 |
11.21 |
7.18 |
9.30 |
10.70 |
12.56 |
4.28 |
2.71 |
6.33 |
1.95 |
2.58 |
-0.51 |
0.96 |
0.42 |
1.08 |
0.12 |
| Earnings per Share ($) | 2.21 |
2.36 |
2.52 |
2.83 |
2.73 |
-1.32 |
-1.02 |
0.29 |
0.25 |
0.65 |
0.78 |
0.09 |
0.16 |
0.07 |
0.34 |
0.21 |
| Dividends Per Share | -- |
0.07 |
0.27 |
0.32 |
0.37 |
0.40 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 32.30 |
26.24 |
27.47 |
28.40 |
30.11 |
20.60 |
27.21 |
28.06 |
33.52 |
33.45 |
32.65 |
29.73 |
32.02 |
33.26 |
33.47 |
32.65 |
| Month End Stock Price | -- |
27.00 |
34.58 |
34.21 |
25.45 |
2.83 |
11.35 |
13.14 |
6.55 |
7.51 |
10.00 |
8.32 |
5.66 |
5.23 |
7.51 |
10.00 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Return on Equity % | 6.80 |
9.00 |
9.20 |
10.00 |
9.10 |
-6.40 |
-3.70 |
1.00 |
0.70 |
2.00 |
2.40 |
1.20 |
2.00 |
0.80 |
4.00 |
2.40 |
| Return on Assets % | 1.00 |
1.10 |
1.20 |
1.20 |
1.10 |
-0.50 |
-0.40 |
0.10 |
0.10 |
0.30 |
0.40 |
-- |
0.40 |
-- |
0.40 |
0.40 |
| Return on Capital - Joel Greenblatt % | 1,224 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 0.18 |
0.35 |
0.22 |
0.31 |
0.30 |
0.60 |
0.37 |
0.64 |
0.51 |
0.43 |
0.29 |
0.55 |
0.50 |
0.46 |
0.43 |
0.29 |
| Operating Margin % | 27.00 |
29.70 |
33.50 |
34.50 |
-- |
-9.50 |
-8.70 |
0.80 |
3.00 |
7.10 |
10.30 |
4.20 |
6.60 |
3.90 |
13.60 |
10.30 |
| Net Margin % | 9.30 |
10.50 |
11.60 |
12.00 |
11.00 |
-5.70 |
-5.10 |
1.40 |
1.20 |
3.20 |
4.50 |
1.90 |
3.00 |
1.30 |
6.50 |
4.50 |
| Debt to Revenue | 0.24 |
0.40 |
0.28 |
0.37 |
0.37 |
0.54 |
0.50 |
0.88 |
0.81 |
0.72 |
2.07 |
3.33 |
3.11 |
2.98 |
2.83 |
2.07 |
| Interest Exp. to Revenue % | -15.11 |
-14.91 |
-16.36 |
-17.10 |
-18.27 |
-4.73 |
-4.33 |
-4.53 |
-4.89 |
-4.75 |
-5.47 |
-3.92 |
-5.19 |
-4.97 |
-4.89 |
-5.47 |
| Asset Turnover | 0.11 |
0.11 |
0.10 |
0.10 |
0.10 |
0.09 |
0.08 |
0.09 |
0.09 |
0.09 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
0.02 |
| Buyback Ratio | -24.10 |
-165 |
-1.90 |
-3.70 |
-49.20 |
-- |
156 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Dividend Payout Ratio | -- |
0.03 |
0.11 |
0.11 |
0.14 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Total Premiums Earned | 6,703 |
6,559 |
6,297 |
6,487 |
6,330 |
6,777 |
6,019 |
5,854 |
5,705 |
5,038 |
5,192 |
1,107 |
1,302 |
1,311 |
1,318 |
1,261 |
| Net Investment Income | 4,015 |
3,648 |
3,536 |
3,837 |
4,135 |
3,730 |
3,033 |
3,266 |
3,380 |
3,343 |
3,325 |
832 |
846 |
825 |
840 |
814 |
| Fees and Other Income | 953 |
850 |
671 |
705 |
660 |
-559 |
17.00 |
969 |
1,259 |
1,642 |
1,383 |
487 |
375 |
400 |
380 |
228 |
| Revenue | 11,671 |
11,057 |
10,504 |
11,029 |
11,125 |
9,948 |
9,069 |
10,089 |
10,344 |
10,023 |
9,900 |
2,426 |
2,523 |
2,536 |
2,538 |
2,303 |
| Policyholder Benefits & Claims | 5,232 |
4,804 |
4,205 |
4,485 |
10,712 |
5,806 |
5,818 |
5,994 |
5,926 |
5,378 |
5,347 |
1,232 |
1,382 |
1,363 |
1,401 |
1,201 |
| Policy Acquisition Expense | 1,942 |
1,812 |
1,989 |
2,013 |
2,075 |
2,160 |
1,884 |
1,965 |
2,032 |
2,593 |
2,618 |
530 |
502 |
504 |
1,057 |
555 |
| Earnings Before DDA | 4,497 |
4,522 |
4,369 |
4,549 |
802 |
-58.00 |
-10.00 |
832 |
1,057 |
712 |
847 |
374 |
166 |
99.00 |
345 |
237 |
| Depreciation, Depletion and Amortization | 1,351 |
1,235 |
853 |
745 |
802 |
884 |
782 |
756 |
743 |
-- |
-- | 272 |
-- |
-- |
-- |
-- |
| Operating Income | 3,146 |
3,287 |
3,516 |
3,804 |
-- |
-942 |
-792 |
76.00 |
314 |
712 |
847 |
102 |
166 |
99.00 |
345 |
237 |
| Net Income | 1,081 |
1,157 |
1,221 |
1,328 |
1,220 |
-572 |
-460 |
142 |
122 |
323 |
379 |
47.00 |
76.00 |
34.00 |
166 |
103 |
| Earnings per Share ($) | 2.21 |
2.36 |
2.52 |
2.83 |
2.73 |
-1.32 |
-1.02 |
0.29 |
0.25 |
0.65 |
0.78 |
0.09 |
0.16 |
0.07 |
0.34 |
0.21 |
| Total Shares Outstanding | 489 |
490 |
485 |
469 |
448 |
433 |
451 |
494 |
494 |
494 |
497 |
496 |
494 |
494 |
494 |
497 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Fixed Maturity Investment | 65,485 |
52,424 |
53,791 |
55,448 |
55,154 |
42,871 |
49,752 |
55,183 |
58,295 |
62,161 |
61,082 |
58,532 |
59,791 |
62,214 |
62,161 |
61,082 |
| Equity Investments | 600 |
374 |
367 |
197 |
366 |
234 |
159 |
332 |
361 |
518 |
490 |
434 |
431 |
524 |
518 |
490 |
| Short-term investments | 531 |
818 |
25.00 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 7,219 |
7,275 |
1,350 |
1,494 |
10,604 |
10,096 |
8,902 |
8,696 |
8,052 |
7,814 |
7,796 |
7,977 |
7,876 |
7,846 |
7,814 |
7,796 |
| Cash and cash equivalents | 1,982 |
1,392 |
1,875 |
2,469 |
3,091 |
7,328 |
5,002 |
3,132 |
4,488 |
3,653 |
3,797 |
4,187 |
3,874 |
3,741 |
3,653 |
3,797 |
| Accounts Receivable | 2,334 |
18,535 |
18,245 |
17,554 |
16,483 |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Deferred Policy Acquisition Costs | 5,788 |
5,020 |
5,586 |
6,325 |
7,034 |
7,786 |
7,341 |
7,256 |
7,327 |
5,036 |
5,050 |
5,060 |
5,023 |
5,020 |
5,036 |
5,050 |
| Intangible Assets | 3,074 |
2,245 |
2,232 |
2,578 |
2,514 |
2,463 |
2,258 |
2,070 |
1,830 |
1,609 |
1,214 |
1,829 |
1,737 |
1,616 |
1,609 |
1,214 |
| Total Assets | 103,431 |
103,878 |
105,292 |
110,871 |
114,315 |
107,389 |
108,187 |
112,395 |
114,302 |
113,312 |
112,075 |
110,983 |
112,536 |
114,387 |
113,312 |
112,075 |
| Unpaid Loss & Loss Reserve | 465 |
638 |
507 |
441 |
67,346 |
5,322 |
6,567 |
6,933 |
7,620 |
7,509 |
7,343 |
7,663 |
7,552 |
7,545 |
7,509 |
7,343 |
| Unearned Premiums | 3,616 |
3,597 |
3,647 |
4,231 |
5,631 |
4,734 |
4,714 |
4,541 |
4,257 |
4,333 |
4,193 |
4,209 |
4,156 |
4,291 |
4,333 |
4,193 |
| Future Policy Benefits | 59,257 |
61,698 |
63,749 |
64,136 |
26,740 |
28,533 |
29,469 |
30,717 |
31,971 |
33,505 |
33,601 |
32,380 |
32,825 |
33,221 |
33,505 |
33,601 |
| Policyholder Funds | -- |
-- |
-- |
-- |
36,913 |
34,702 |
28,470 |
26,978 |
26,345 |
26,262 |
25,886 |
26,204 |
26,160 |
26,449 |
26,262 |
25,886 |
| Current Portion of Long-Term Debt | 2,239 |
559 |
152 |
199 |
200 |
1,133 |
930 |
494 |
396 |
336 |
-- | 383 |
375 |
353 |
336 |
-- |
| Other liabilities | 21,525 |
20,629 |
21,191 |
24,613 |
-39,896 |
19,778 |
15,519 |
20,482 |
19,190 |
17,988 |
20,064 |
17,709 |
18,188 |
18,896 |
17,988 |
20,064 |
| Long-Term Debt | 529 |
3,891 |
2,736 |
3,921 |
3,903 |
4,261 |
3,641 |
8,389 |
7,982 |
6,842 |
4,766 |
7,697 |
7,463 |
7,205 |
6,842 |
4,766 |
| Total Liabilities | 87,631 |
91,012 |
91,982 |
97,541 |
100,837 |
98,463 |
95,911 |
98,534 |
97,761 |
96,775 |
95,853 |
96,245 |
96,719 |
97,960 |
96,775 |
95,853 |
| Common Stock | -- |
-- |
-- |
-- |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
1.00 |
| Retained Earnings | 5,751 |
645 |
1,735 |
2,914 |
3,913 |
3,210 |
3,105 |
2,973 |
3,095 |
1,907 |
1,966 |
1,631 |
1,707 |
1,741 |
1,907 |
1,966 |
| Additional Paid-In Capital | 8,377 |
10,612 |
10,671 |
10,759 |
11,461 |
11,477 |
12,034 |
12,095 |
12,124 |
12,127 |
12,131 |
12,150 |
12,156 |
12,162 |
12,127 |
12,131 |
| Treasury Stock | -- |
-- |
-500 |
-1,500 |
-2,624 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
-2,700 |
| Total Equity | 15,800 |
12,866 |
13,310 |
13,330 |
13,478 |
8,926 |
12,276 |
13,861 |
16,541 |
16,537 |
16,222 |
14,738 |
15,817 |
16,427 |
16,537 |
16,222 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Income | 1,081 |
1,157 |
1,221 |
1,328 |
1,220 |
-572 |
-399 |
285 |
261 |
523 |
584 |
80.00 |
109 |
70.00 |
264 |
141 |
| Depreciation, Depletion and Amortization | 1,351 |
1,235 |
853 |
745 |
802 |
884 |
782 |
756 |
743 |
-- |
-- | 272 |
-- |
-- |
-- |
-- |
| Cash Flow from Others | 1,284 |
3,106 |
1,405 |
2,292 |
2,769 |
5,131 |
1,548 |
295 |
2,121 |
439 |
690 |
-604 |
363 |
137 |
271 |
-81.00 |
| Cash Flow from Operations | 3,716 |
5,498 |
3,479 |
4,365 |
4,791 |
5,443 |
1,931 |
1,336 |
3,125 |
962 |
1,274 |
-252 |
472 |
207 |
535 |
60.00 |
| Cash Flow from Acquisitions | 1,587 |
1.00 |
-- |
-511 |
-31.00 |
-22.00 |
-51.00 |
-37.00 |
207 |
46.00 |
64.00 |
-18.00 |
64.00 |
-- |
-- |
-- |
| Cash Flow from Investing | -681 |
-5,404 |
-3,277 |
-2,898 |
-1,880 |
1,965 |
820 |
-1,815 |
-59.00 |
-722 |
-393 |
124 |
-230 |
-424 |
-192 |
453 |
| Net Issuance of Stock | -- |
-- |
-500 |
-1,000 |
-524 |
-76.00 |
622 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Issuance of Debt | 389 |
54.00 |
-59.00 |
658 |
-200 |
1,251 |
-6,691 |
-1,338 |
-479 |
-1,089 |
-951 |
-159 |
-453 |
88.00 |
-565 |
-21.00 |
| Cash Flow for Dividends | -3,232 |
-1,613 |
-128 |
-145 |
-163 |
-175 |
-10.00 |
-43.00 |
-67.00 |
-50.00 |
-51.00 |
-12.00 |
-12.00 |
-12.00 |
-14.00 |
-13.00 |
| Other Financing | 129 |
768 |
439 |
-348 |
-1,408 |
-3,913 |
770 |
-131 |
-1,095 |
38.00 |
-209 |
-18.00 |
-71.00 |
-14.00 |
141 |
-265 |
| Cash Flow from Financing | -2,714 |
-791 |
-248 |
-835 |
-2,295 |
-2,913 |
-5,309 |
-1,512 |
-1,641 |
-1,101 |
-1,211 |
-189 |
-536 |
62.00 |
-438 |
-299 |
| Net Change in Cash | 413 |
-590 |
-88.00 |
594 |
622 |
4,237 |
-2,326 |
-1,870 |
1,356 |
-835 |
-368 |
-301 |
-313 |
-152 |
-69.00 |
166 |
| Free Cash Flow | 3,716 |
5,498 |
3,479 |
4,365 |
4,791 |
5,443 |
1,931 |
1,336 |
3,125 |
962 |
1,274 |
-252 |
472 |
207 |
535 |
60.00 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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| Earnings Yield (Joel Greenblatt) | ![]() |
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| Forward Rate of Return | ![]() |
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| Shiller PE Ratio | ![]() |
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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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