Discounted Cash Flow
Genworth Financial Inc.
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Audit / VIE / HFCA: Financial-sector DCF: free cash flow for lenders/insurers includes loan principal and deposits, so FCF ≈ 5-10× net income and is not a valuation proxy; the model shows moderate/unstable predictability and the DCF can be 5-40× market cap (lender pattern).
Sourced live via DEF 14A beneficial_ownership (edgartools proxy) for US filers and 20-F risk_factors (“controls X% of voting power” + VIE/HFCA) for foreign ADRs — cached 12h. A concentrated holder can overrule the DCF’s minority-basis assumptions on dividends, issuance, and delisting.
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $11.3b | $-374.5m | $2.5b | -3.3% | $-0.56 |
| 2017 | $11.2b (-0.9%) | $1.1b (394.9%) | $3.5b (37.9%) | 9.8% (397.6%) | $1.64 (392.9%) |
| 2018 | $11.4b (1.6%) | $160.9m (-85.4%) | $160.9m (-95.3%) | 1.4% (-85.7%) | $0.24 (-85.4%) |
| 2019 | $10.9b (-4.0%) | $463.7m (188.2%) | $2.8b (1647.1%) | 4.2% (200.1%) | $0.68 (183.3%) |
| 2020 | $11.7b (6.9%) | $240.7m (-48.1%) | $240.7m (-91.4%) | 2.1% (-51.5%) | $0.35 (-48.5%) |
| 2021 | $10.6b (-9.5%) | $1.2b (407.9%) | $590.8m (145.5%) | 11.5% (461.4%) | $1.78 (408.6%) |
| 2022 | $10.1b (-4.1%) | $823.4m (-32.6%) | $1.5b (147.1%) | 8.1% (-29.7%) | $1.21 (-32.0%) |
| 2023 | $10.1b (-0.3%) | $102.8m (-87.5%) | $811.2m (-44.4%) | 1.0% (-87.5%) | $0.16 (-86.8%) |
| 2024 | $9.9b (-2.6%) | $404.2m (293.4%) | $119.0m (-85.3%) | 4.1% (303.8%) | $0.69 (331.2%) |
| 2025 | $9.9b (0.1%) | $301.5m (-25.4%) | $458.3m (285.2%) | 3.1% (-25.5%) | $0.54 (-21.7%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in GBP. Values above are converted to USD for comparison with the US-listed share price.
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Net debt deduction: —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.