Genworth FinancialGNW +0.48%62 ROE % is 2.14% as of Mar. 2026, which is 17% below its 10-year median of 2.59. GuruFocus rates GNW with a GF Score™ of 62/100 and a GF Value™ of $7.50 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 502 Insurance companies, Genworth Financial ranks worse than 87.25% on this metric.
The historical rank and industry rank for Genworth Financial's ROE % or its related term are showing as below:
GNW'
s ROE % Range Over the Past 10 Years
Min: -2.18 Med: 2.59 Max: 7.92
Current: 2.46
During the past 13 years, Genworth Financial's highest ROE % was 7.92%. The lowest was -2.18%. And the median was 2.59%.
GNW's ROE % is ranked worse than 87.25% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs GNW: 2.46
Genworth Financial (NYSE:GNW) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Genworth Financial ROE % Related Terms
Genworth Financial ROE % Historical Data
* Premium members only.
The historical data trend for Genworth Financial's ROE % 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.
For the Insurance - Life subindustry, Genworth Financial's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Genworth Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Genworth Financial's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Genworth Financial (GNW) has a ROE % of 2.14% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Genworth Financial and its competitors. This is 17% below median its historical median of 2.59. According to the industry distribution chart, Genworth Financial ranks #438 out of 502 companies in the Insurance industry, placing it in the top 87.3%.
Is Genworth Financial's ROE % too high?
Genworth Financial's current ROE % of 2.14% is 17% below median its 10-year median of 2.59. The Insurance industry median ROE % is 11.73. Genworth Financial's value of 2.14% is 81.8% below this industry median. Based on the distribution chart, Genworth Financial ranks #438 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Genworth Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Genworth Financial's ROE % compare to BHF and FG?
According to the Insurance industry distribution chart, Genworth Financial ranks #438 out of 502 companies for ROE %. This places Genworth Financial in the lower half of its industry. The industry median ROE % is 11.73. Genworth Financial's value of 2.14% is 81.8% below this benchmark. While the company's 10-year median is 2.59 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Genworth Financial's current ROE % of 2.14% is 81.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Genworth Financial and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Genworth Financial's current ROE % is 2.14%, which is 17% below median its own 10-year median of 2.59. 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?
Based on GuruFocus' analysis, Genworth Financial (GNW) is currently considered Modestly Overvalued. The stock's GF Value™ is $7.50, compared to a current price of $9.45 — trading 25.9% above its estimated fair value. The current ROE % is 2.14%, which is 17% below median its 10-year median of 2.59 and 81.8% below the Insurance industry median of 11.73. Genworth Financial's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Genworth Financial (GNW), the current ROE % is 2.14% as of Mar. 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 (GNW) Overvalued in 2026?
Based on GuruFocus' analysis, Genworth Financial stock appears to be overvalued.
The current stock price of $9.45 is trading 25.9% above its estimated GF Value™ of $7.50.
GuruFocus considers Genworth Financial to be Modestly Overvalued.
Key valuation signals for GNW:
ROE %: 2.14% (17% below median its 10-year median of 2.59)
GF Value™: $7.50 vs. price of $9.45 (25.9% above fair value)
Industry Position: 81.8% below the Insurance median (#438 of 502)
No single metric tells the full story. See the GNW 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.
62GF Score
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