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Genworth Financial
Genworth Financial (GNW) investor relations material
Genworth Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Feb, 2026
Executive summary
Q4 2025 net income was $2 million, with adjusted operating income of $8 million; full-year net income was $223 million, down from $299 million in 2024.
Enact delivered $146 million in adjusted operating income for Q4 and $558 million for 2025, with strong cure performance and capital returns.
Closed Block posted a $114 million adjusted operating loss in Q4 and $317 million loss for 2025, mainly due to LTC losses and assumption updates.
$127 million in capital returns received from Enact in Q4; $94 million in share repurchases executed in the quarter.
CareScout expanded services, launched Care Assurance (live in 39–40 states), and closed the Seniorly acquisition.
Financial highlights
Full-year 2025 adjusted operating income was $144 million, with Enact contributing $558 million.
Enact’s new insurance written reached $14 billion in Q4, with primary insurance in force at $273 billion, up 2% year-over-year.
Enact’s loss ratio was 7% in Q4, with a PMIER sufficiency ratio of 162%.
Legacy insurance companies’ risk-based capital ratio was 300% at year-end, with statutory pre-tax income of $71 million for 2025.
Holding company cash and liquid assets stood at $234 million at year-end.
Outlook and guidance
Enact expects to return ~$500 million to shareholders in 2026; new $500 million share repurchase program announced.
Planned share repurchases for 2026 are $175–$225 million, subject to market conditions.
CareScout targets 7,500 matches and at least $25 million in revenue for 2026.
Expected investment in CareScout Services is $50–$55 million in 2026, with lower incremental investment in CareScout Insurance.
Ongoing execution of LTC rate action program and development of additional risk mitigation options.
CareScout's path to financial self-sufficiency
LTC Closed Block loss trend mitigation strategy
Enact's capital deployment and Genworth's liquidity
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Next Genworth Financial earnings date
Q1 202630 Apr, 2026
Genworth Financial
Next Genworth Financial earnings date
Q1 202630 Apr, 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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