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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, with adjusted operating income of $17 million ($0.04 per share), driven by Enact's $134 million contribution and $110 million in capital returns.
CareScout expanded through the acquisition of Seniorly and launched its first standalone LTC insurance product, Care Assurance, approved in 37 states.
Share repurchases totaled $76 million in Q3, with a new $350 million program authorized and $696 million executed since inception.
Strategic priorities include value creation via Enact, stabilizing legacy LTC/annuity businesses, and growth through CareScout.
Liquidity position remains strong with $254 million in cash and liquid assets at quarter-end.
Financial highlights
Total revenues for Q3 2025 were $1.94 billion, with net investment income of $799 million and net investment gains of $99 million, up 50% year-over-year.
Enact's adjusted operating income was $134 million, down 9% year-over-year; loss ratio increased to 15% due to lower reserve releases and higher delinquencies.
Long-term care insurance segment posted an adjusted operating loss of $100 million, mainly from higher benefit utilization and liability remeasurement losses.
Life and annuities reported $4 million in adjusted operating income; annuities contributed $19 million, life insurance had a $15 million loss.
Corporate and other segment had a $21 million adjusted operating loss, including a $7 million tax benefit.
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 services, with $45–$50 million planned for 2025 and ongoing pilots with other LTC carriers.
Ongoing focus on MIRAP to stabilize LTC block; higher rate increase approvals expected in Q4.
Management expects continued volatility in LTC results due to assumption updates and actual experience.
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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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