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Genworth Financial GNW Life insurance — Consolidated RBC ratio

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Other financials

Income statement

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Revenue$1.9B+5.8%
Net income$47.0M-7.8%
EPS (diluted)$0.120.0%

Balance sheet

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Cash & equivalents$2.0B+10.5%
Total debt$1.5B-1.3%
Total equity$8.7B-0.7%
Total assets$87.4B0.0%

Cash flow

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Operating cash flow$52.0M+767%

Valuation

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Market cap$3.71B+8.4%
Enterprise value$3.23B+2.5%
P/E17.5×-0.5×
P/S0.5×0.0×

Profitability

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Net margin2.9%+0.2pp

Returns & leverage

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Return on equity2.4%+0.2pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by Genworth Financial in its filing.

Tagged under the XBRL concept gnw:RiskBasedCapitalRatio.

The source filing: Genworth Financial’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 4:17 PM EST
Fiscal year
FY2025
Accession
0001628280-26-012828

The NAIC has adopted RBC requirements to evaluate the adequacy of statutory capital and surplus in relation to risks associated with: (i) asset risk; (ii) insurance risk; (iii) interest rate risk; and (iv) business risk. The RBC formula is designated as an early warning tool for the states to identify potentially weakly capitalized companies for purposes of facilitating regulatory action. In the course of operations, we periodically monitor the RBC level of each of our life insurance subsidiaries. As of December 31, 2025 and 2024, each of our life insurance subsidiaries exceeded the minimum required RBC levels in their respective domiciliary state. The consolidated RBC ratio on a company action level basis of GLIC and its U.S. domiciled life insurance subsidiaries was approximately 300% and 306% as of December 31, 2025 and 2024, respectively.

Item 8. Financial Statements and Supplementary Data

FAQ

What is Genworth Financial's life insurance — consolidated RBC ratio?
Genworth Financial (GNW) reported life insurance — consolidated RBC ratio of 300% in Q4 2025.
How has Genworth Financial's life insurance — consolidated RBC ratio changed year-over-year?
Genworth Financial's life insurance — consolidated RBC ratio decreased by 2.0% year-over-year, from 306% to 300%.
What does life insurance — consolidated RBC ratio mean?
A regulatory measure of capital adequacy that compares an insurer's total adjusted capital to its risk-based capital requirement, as defined by the National Association of Insurance Commissioners. It assesses the company's ability to withstand adverse financial shocks across asset, insurance, interest rate, and business risk categories.

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