C

Genworth Financial Inc — Earnings Quality Grade C

GNW · Financial Services

Some red flags

Revenue
$7.1B
2025
Net Income
$223M
2025
Gross Margin
Free Cash Flow
$327M
01

Screening Summary

10
Passed
0
Watch
1
Failed
M-Score

Management Signals

No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO surged by 17 days (899 → 916)

A2AR vs Revenue Growth

AR growth 1.4% vs revenue growth -0.5%

A3Revenue vs CFFO

Revenue -0.5%, CFFO 271.6%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

Insufficient data

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.47. Profits backed by cash

C2Free Cash Flow

FCF $0.3B, FCF/NI = 1.47

C3Accruals Ratio

Accruals ratio = -0.1%. Low accruals

C4Cash vs Debt

Cash $8.1B covers debt $1.5B

04

Balance Sheet Health

D1Goodwill + Intangibles

No goodwill. Clean balance sheet

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

No goodwill

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Portfolio monitoring

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Altman Z-Score — Not Applicable

Genworth Financial Inc is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25