Genworth Mortgage Insurance Australia Limited, through its subsidiaries, engages in the loan mortgage insurance business in Australia. More Details
No risks detected for GMA from our risk checks.
Slightly overvalued with questionable track record.
Share Price & News
How has Genworth Mortgage Insurance Australia's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GMA is less volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: GMA's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: GMA underperformed the Australian Mortgage industry which returned 43% over the past year.
Return vs Market: GMA underperformed the Australian Market which returned 37.3% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Genworth Mortgage Insurance Australia's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 days ago | Simply Wall StWhat Does The Future Hold For Genworth Mortgage Insurance Australia Limited (ASX:GMA)? These Analysts Have Been Cutting Their Estimates
2 weeks ago | Simply Wall StIs Genworth Mortgage Insurance Australia Limited (ASX:GMA) Popular Amongst Institutions?
Is Genworth Mortgage Insurance Australia undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GMA (A$2.6) is trading below our estimate of fair value (A$3.09)
Significantly Below Fair Value: GMA is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: GMA is poor value based on its PE Ratio (50.1x) compared to the AU Mortgage industry average (13.4x).
PE vs Market: GMA is poor value based on its PE Ratio (50.1x) compared to the Australian market (20.6x).
Price to Earnings Growth Ratio
PEG Ratio: GMA is poor value based on its PEG Ratio (6.9x)
Price to Book Ratio
PB vs Industry: GMA is good value based on its PB Ratio (0.8x) compared to the AU Mortgage industry average (1x).
How is Genworth Mortgage Insurance Australia forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GMA's forecast earnings growth (7.3% per year) is above the savings rate (1.9%).
Earnings vs Market: GMA's earnings (7.3% per year) are forecast to grow slower than the Australian market (14% per year).
High Growth Earnings: GMA's earnings are forecast to grow, but not significantly.
Revenue vs Market: GMA's revenue (1.9% per year) is forecast to grow slower than the Australian market (5.3% per year).
High Growth Revenue: GMA's revenue (1.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GMA's Return on Equity is forecast to be low in 3 years time (7.4%).
How has Genworth Mortgage Insurance Australia performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GMA has high quality earnings.
Growing Profit Margin: GMA became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: GMA's earnings have declined by 44.7% per year over the past 5 years.
Accelerating Growth: GMA has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: GMA has become profitable in the last year, making it difficult to compare its past year earnings growth to the Mortgage industry (15.2%).
Return on Equity
High ROE: GMA's Return on Equity (1.5%) is considered low.
How is Genworth Mortgage Insurance Australia's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GMA's Assets to Equity ratio (2.7x) is low.
Allowance for Bad Loans: Insufficient data to determine if GMA has a sufficient allowance for bad loans.
Low Risk Liabilities: GMA reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if GMA has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: GMA reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if GMA has an appropriate level of bad loans.
What is Genworth Mortgage Insurance Australia current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate GMA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate GMA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if GMA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if GMA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: GMA is not paying a notable dividend for the Australian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of GMA's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ms. Pauline Blight-Johnston has been Chief Executive Officer, Managing Director and Director of Genworth Mortgage Insurance Australia Ltd. since March 2, 2020. She serves as the Partner, Actuarial and Fina...
CEO Compensation Analysis
Compensation vs Market: Pauline's total compensation ($USD715.25K) is about average for companies of similar size in the Australian market ($USD878.93K).
Compensation vs Earnings: Insufficient data to compare Pauline's compensation with company performance.
Experienced Management: GMA's management team is considered experienced (3.8 years average tenure).
Experienced Board: GMA's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: GMA insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Genworth Mortgage Insurance Australia Limited's company bio, employee growth, exchange listings and data sources
- Name: Genworth Mortgage Insurance Australia Limited
- Ticker: GMA
- Exchange: ASX
- Founded: 1965
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: AU$1.101b
- Shares outstanding: 412.51m
- Website: https://www.genworth.com.au
Number of Employees
- Genworth Mortgage Insurance Australia Limited
- 101 Miller Street
- Level 26
- North Sydney
- New South Wales
Genworth Mortgage Insurance Australia Limited, through its subsidiaries, engages in the loan mortgage insurance business in Australia. The company facilitates residential mortgage lending by transferring r...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/07 08:16|
|End of Day Share Price||2021/05/07 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.