UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number 001-32195 ___________________________ GENWORTH FINANCIAL, INC. (Exact name of registrant as specified in its charter) ____________________ ...

CFO Jerome Upton said the closed block’s fourth-quarter adjusted operating loss was driven by LTC, which posted an adjusted operating loss of $159 million. Upton attributed the LTC result to a liability remeasurement loss related to actual experience versus expected (A/E) and the net unfavorable impact of assumption updates. He said unfavorable LTC A/E of $124 million pre-tax was “driven primarily by higher claims and lower terminations in the capped cohorts.”CEO Tom McInerney said fourth-quarter results we ...

Genworth Financial (NYSE:GNW) Q4 2025 Earnings call February 24, 2026 09:00 AM ET Company ParticipantsChristine Jewell - Head of Investor RelationsJerome Upton - CFOSamir Shah - President and CEO of CareScout ServicesTom McInerney - President and CEOOperatorGood morning, ladies and gentlemen, and welcome to Genworth Financial's fourth quarter 2025 earnings conference call. My name is Lisa, and I'll be your coordinator today. At this time, all participants are in a listen-only mode. We will facilitate a ques ...

Financial Data and Key Metrics Changes - Genworth reported net income of $2 million and Adjusted Operating Income of $8 million for Q4 2025, driven by strong performance from Enact, which contributed $146 million to Adjusted Operating Income, partially offset by a loss of $114 million in the closed block, primarily from LTC [4][21] - For the full year 2025, Adjusted Operating Income was $144 million, with Enact contributing $558 million, while the Closed Block segment reported an adjusted operating loss of $317 million [23][24] Business Line Data and Key Metrics Changes - Enact's Adjusted Operating Income for Q4 was $146 million, with a net reserve release of $60 million, while the Closed Block reported an adjusted operating loss of $114 million, primarily due to LTC [21][22] - The LTC segment experienced an adjusted operating loss of $326 million for the year, driven by a remeasurement loss and unfavorable actual-to-expected experience [23][24] Market Data and Key Metrics Changes - The CareScout Quality Network expanded to approximately 790 home care providers with over 1,000 locations, covering 97% of the U.S. population aged 65 and older, facilitating 925 matches in Q4 and ending the year with 3,255 matches, significantly exceeding targets [9][10] - CareScout launched its inaugural standalone LTC insurance product, Care Assurance, in 40 states, aiming for disciplined, scalable growth in the LTC insurance market [12] Company Strategy and Development Direction - Genworth's strategic priorities include creating shareholder value through Enact, advancing CareScout as a long-term growth strategy, and managing the closed block of business focused on existing policyholders [5][13] - The company is leveraging technology and AI to enhance customer service and operational efficiency, aiming to redefine long-term care delivery [8][17] Management's Comments on Operating Environment and Future Outlook - Management highlighted the growing bipartisan focus on healthcare affordability and the sustainability of public programs like Medicaid, emphasizing the need for flexible insurance and support services in the LTC market [16][17] - The company expects to continue scaling CareScout and anticipates significant value creation through its integrated approach to services and insurance [13][44] Other Important Information - Genworth ended Q4 with $234 million in cash and liquid assets, maintaining a disciplined capital structure and a cash interest coverage ratio of approximately 8 times [38][40] - The company secured $100 million in gross incremental LTC premium approvals in Q4, with average premium increases of 35.6% for the year [14] Q&A Session Summary Question: Importance of offering both services and insurance under CareScout - Management emphasized that CareScout is uniquely positioned to deliver the full value chain in the fragmented LTC market, helping families navigate care needs and providing affordable options through its Quality Network [46][47] Question: How CareScout supports consumers - Management noted that CareScout Services will assist the aging baby boomer population in determining care needs and finding providers, while CareScout Insurance will cater to their children and grandchildren, who will face the challenges of LTC costs [47][48]

Genworth Financial (NYSE:GNW) Q4 2025 Earnings call February 24, 2026 09:00 AM ET Speaker2Good morning, ladies and gentlemen, and welcome to Genworth Financial's fourth quarter 2025 earnings conference call. My name is Lisa, and I'll be your coordinator today. At this time, all participants are in a listen-only mode. We will facilitate a question and answer session towards the end of this conference call. As a reminder, the conference is being recorded for replay purposes. Also, we ask that you refrain from ...

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Non-GAAP and Other Items 4Q Investor Presentation Earnings Summary February 23, 2026 1 Cautionary Note Regarding Forward-Looking Statements This presentation contains certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as "expects," "intends," "anticipates," "plans," "believes," "seeks," "estimates," "will," "may" or words of similar meaning and include, but are not limited to, statements ...

Core Viewpoint - Genworth Financial (GNW) is identified as a unique value case for investors, particularly due to the structure of its holding company as of the start of 2026 [1] Company Analysis - The company operates in the micro-cap market, focusing on financial trends, profit growth, and institutional capital accumulation to identify high-growth, underanalyzed companies [1] - The investment strategy combines technical analysis with the CAN SLIM method, which is aimed at uncovering stocks with significant upside potential [1] - Key indicators prioritized include relative strength, trading volume shifts, and accelerating profit growth, which help in pinpointing stocks with the highest potential [1] Research Approach - The research approach integrates both fundamental and technical analysis, allowing for the identification of strong growth stocks before they gain widespread attention [1] - Writing for Seeking Alpha is part of the investment process, which helps refine strategies, test investment theses, and engage with the investor community [1] - The focus of the articles is on delivering in-depth company analyses, emphasizing stocks with strong growth trends, improving fundamentals, and technical setups that signal potential breakouts [1]

Financial Results Announcements - Enact Holdings, Inc. announced its financial results for the quarter ended December 31, 2025, on February 3, 2026[7] - Genworth Financial, Inc. will release its earnings for the quarter ended December 31, 2025, after market close on February 23, 2026[8] Conference Call - A conference call to discuss the quarterly results is scheduled for February 24, 2026, at 9:00 a.m. (ET)[8]

Core Insights - CareScout has expanded its service offerings nationwide, providing families with a personalized Care Plan created by licensed nurses and access to a credentialed network of home care providers through the CareScout Quality Network [1][2] Service Offerings - The new offerings aim to establish CareScout as a comprehensive platform for aging and long-term care, assisting families in planning, understanding, finding, and funding care with greater clarity [2] - CareScout's Care Plans are based on over 20 years of experience and more than one million nurse-led evaluations, ensuring professional guidance through direct interaction with licensed nurses [4] Care Plan Details - Each Care Plan includes a one-on-one evaluation lasting 45-60 minutes, available in-person or virtually, focusing on daily routines, functional abilities, cognitive changes, safety needs, and personal goals [4][5] - Families receive a customized Care Plan within five business days, which emphasizes understanding the individual behind the needs and provides credible, personalized support [5] Quality Network - The CareScout Quality Network offers families access to home care providers that meet strict credentialing standards and typically offer preferred pricing below market rates [6] - This network aims to enhance transparency and quality in the long-term care sector, helping families confidently identify high-quality home care providers [6][7] Unique Features - CareScout differentiates itself from online lead aggregators by prioritizing family control and providing support tailored to their needs, resulting in a more respectful and transparent experience [7] - The Care Plans include unbiased analysis of physical and cognitive abilities, personalized recommendations, local resource options, and actionable next steps to simplify complex decisions [8] Availability - Care Plans are available nationwide for a one-time fee, and CareScout does not charge families for access to the Quality Network [9]