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Genworth FinancialFRA:GGK +2.92%63 Debt-to-Equity is 0.17 as of Jun. 2026, which is 19% below its 10-year median of 0.21. GuruFocus rates FRA:GGK with a GF Score™ of 63/100 and a GF Value™ of €6.85. The stock has 6 warning signs investors should review. Among 405 Insurance companies, Genworth Financial ranks better than 56.79% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Genworth Financial's Debt-to-Equity or its related term are showing as below:
FRA:GGK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.21 Max: 0.38
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of Genworth Financial was 0.38. The lowest was 0.12. And the median was 0.21.
FRA:GGK's Debt-to-Equity is ranked better than 56.79% of 405
companies
in the Insurance industry
Industry Median: 0.21
vs FRA:GGK: 0.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Genworth Financial Debt-to-Equity Related Terms
Genworth Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Genworth Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:GGK vs FG, BHF, CNO: Debt-to-Equity Comparison
For the Insurance - Life subindustry, Genworth Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Genworth Financial Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Genworth Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Genworth Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Genworth Financial (FRA:GGK) has a Debt-to-Equity of 0.17 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Genworth Financial and its competitors. This is 19% below median its historical median of 0.21. Over the past decade, Genworth Financial's Debt-to-Equity has ranged from 0.12 to 0.38. According to the industry distribution chart, Genworth Financial ranks #175 out of 405 companies in the Insurance industry, placing it in the top 43.2%.
Is Genworth Financial's Debt-to-Equity too high?
Genworth Financial's current Debt-to-Equity of 0.17 is 19% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.38. The Insurance industry median Debt-to-Equity is 0.21. Genworth Financial's value of 0.17 is 19% below this industry median. Based on the distribution chart, Genworth Financial ranks #175 out of 405 companies in the Insurance industry, which is above the industry midpoint. Overall, Genworth Financial has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Genworth Financial's Debt-to-Equity compare to FG and BHF?
According to the Insurance industry distribution chart, Genworth Financial ranks #175 out of 405 companies for Debt-to-Equity. This puts Genworth Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.21. Genworth Financial's value of 0.17 is 19% below this benchmark. Historically, Genworth Financial's own Debt-to-Equity has ranged from 0.12 to 0.38 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.21, Genworth Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 405 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Genworth Financial's current Debt-to-Equity of 0.17 is 19% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Genworth Financial and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Genworth Financial's current Debt-to-Equity is 0.17, which is 19% below median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Genworth Financial stock overvalued right now?
Genworth Financial (FRA:GGK) has a current Debt-to-Equity of 0.17. The stock's GF Value™ is €6.85, compared to a current price of €8.80 — trading 28.5% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 19% below median its 10-year median of 0.21 and 19% below the Insurance industry median of 0.21. Genworth Financial's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Genworth Financial (FRA:GGK), the current Debt-to-Equity is 0.17 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Genworth Financial (FRA:GGK) Overvalued in 2026?
Based on GuruFocus' analysis, Genworth Financial stock appears to be overvalued.
The current stock price of €8.80 is trading 28.5% above its estimated GF Value™ of €6.85.
Key valuation signals for FRA:GGK:
Debt-to-Equity: 0.17 (19% below median its 10-year median of 0.21)
GF Value™: €6.85 vs. price of €8.80 (28.5% above fair value)
Industry Position: 19% below the Insurance median (#175 of 405)
No single metric tells the full story. See the FRA:GGK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Genworth Financial Inc is a diversified insurance holding company that provides various mortgage and life insurance products. The company has four main operating business segments: Enact, Closed Block segment, and Corporate and Other. The company's product portfolio includes various financial products such as traditional life insurance, mortgage insurance, fixed annuities, and variable annuities. The majority of the revenue is generated by the Enact segment. The company earns the maximum of its revenue in the United States.
63GF Score
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