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Genworth Financial (GNW) investor relations material
Genworth Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net income for Q3 2025 was $116 million ($0.28 per diluted share), up 36% year-over-year; adjusted operating income was $17 million ($0.04 per share), down from $48 million in Q3 2024, driven by strong Enact performance and investment gains.
Enact contributed $134 million in adjusted operating income and returned $110 million in capital, totaling $1.2 billion since its 2021 IPO.
CareScout expanded its Quality Network to over 700 providers, completed the Seniorly acquisition, and launched its first standalone LTC insurance product.
Share repurchases totaled $76 million in Q3, with $696 million executed since program inception and a new $350 million authorization announced.
Continued execution of strategic priorities: value creation via Enact, stabilizing legacy LTC/annuity businesses, and growth through CareScout.
Financial highlights
Total revenues for Q3 2025 were $1.94 billion, up 3% year-over-year; net investment income rose 3% to $799 million, and net investment gains were $99 million.
Adjusted operating income was $17 million for Q3 2025, with Enact as the primary driver; net income of $116 million.
Long-term care insurance segment posted an adjusted operating loss of $100 million due to higher benefit utilization and lower terminations.
Life and annuities reported $4 million in adjusted operating income; annuities contributed $19 million, life insurance had a $15 million loss.
Ended the quarter with $254 million in cash and liquid assets; U.S. life insurance companies' RBC ratio at 303%.
Outlook and guidance
Enact expects to return approximately $500 million to shareholders in 2025; Genworth anticipates receiving $405 million based on its 81% stake.
Share repurchase allocation for 2025 is projected at $200–$225 million, with flexibility based on performance and market conditions.
Continued investment in CareScout, with $45–$50 million planned for 2025, excluding the $15 million Seniorly acquisition.
Management expects continued volatility in long-term care insurance results due to assumption updates and actual experience.
Ongoing focus on MIRAP for LTC, with higher rate increase approvals expected in Q4.
CareScout's new revenue models: growth and profitability
LTC legacy block: Path to statutory breakeven
AXA recovery: How would it impact capital allocation?
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Next Genworth Financial earnings date
Q4 202518 Feb, 2026
Next Genworth Financial earnings date
Q4 202518 Feb, 2026
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Frequently asked questions
Long-term Care and Life Insurance
Genworth Financial, Inc. is an American financial services company. Its main offerings are life and long-term care and mortgage insurance. In addition to its core insurance products, Genworth also provides annuities and other offerings, providing a suite of services aimed at addressing various aspects of financial planning and risk management. The company is headquartered in Richmond, Virginia, and its shares are listed on the NYSE.
General Electric Spinoff
The modern history of Genworth starts with its time as part of General Electric (GE). In 1996, GE Capital, the financial services unit of General Electric, acquired First Colony Life Insurance, which in turn marked the beginning of GE's expansion into the insurance sector.
Over the following years, GE Capital continued to expand its insurance and financial services operations. It acquired several companies, including life insurance, mortgage insurance, and long-term care insurance providers. This period was marked by significant growth and diversification of services. In 2003 GE spun off its insurance business as Genworth Financial, which in turn had its IPO in 2004. Today, it competes with the likes of MetLife and Prudential Financial.
Life Insurance Offerings
At its core, Genworth Financial specializes in offering various insurance products and services. One of its primary focuses is on life insurance, providing a range of options tailored to meet the diverse needs of individuals and families. This includes term life insurance, which offers protection for a specified period, and whole life insurance, which combines a death benefit with a savings component. These products are designed to offer financial security and peace of mind, ensuring that beneficiaries are supported in the event of the policyholder's death.
Long-Term Care Insurance
Long-term care insurance is another key offering from Genworth Financial. It is designed to cover expenses that are typically not included in traditional health insurance plans, such as assistance with daily living activities and long-term care services. This insurance provides a layer of financial protection, helping individuals and their families manage the potentially significant costs associated with long-term care.
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