Genworth vs Reaves Utility Income Fund

Genworth and Reaves Utility Income Fund are compared on this page to illuminate differences in business models, financial performance, and market context. The aim is a clear, accessible, neutral overview of how each company operates, the strategies they pursue, and the factors investors consider. Educational content, not financial advice.

Genworth and Reaves Utility Income Fund are compared on this page to illuminate differences in business models, financial performance, and market context. The aim is a clear, accessible, neutral overv...

Comparison Snapshot

Key Financial Metrics

GNW

Metric

UTG

$3.27B

Market Cap

$3.37B

N/A

Potential Profit

N/A

Analyst Rating

N/A

Investment Analysis

Genworth

GNW

Pros

Genworth has expanded its CareScout network, achieving over 95% home care coverage for the US aged 65-plus population, enhancing its market reach in senior care.
Recent strategic acquisitions like Seniorly and the launch of standalone LTC products bolster Genworth’s long-term care offerings and growth potential.
The company maintains a strong financial position with a U.S. life insurance companies’ risk-based capital ratio of 303%, indicating solid capital adequacy.

Considerations

Genworth's revenue declined slightly by 2.58% in 2024, reflecting top-line pressure that could affect profitability.
The net income of $116 million in Q3 2025 was relatively modest compared to the company's scale, and adjusted operating income was just $17 million, suggesting limited operating leverage.
The company’s share repurchase program signals confidence but also highlights limited organic growth, and downward pressure on equity is present given cautious earnings forecasts.

Reaves Utility Income Fund

UTG

Pros

Reaves Utility Income Fund offers a diversified investment in dividend-paying utilities stocks and debt instruments, which suits income-focused investors.
The fund has demonstrated strong recent market performance, reaching a 52-week high and providing a current dividend yield of over 6%.
With a moderate beta of 0.80, the fund shows lower market volatility compared to broader markets, aligning with the typically stable utilities sector.

Considerations

As a closed-end fund, its share price may trade at a discount or premium to net asset value, introducing valuation risk independent of underlying asset performance.
The fund's expense ratio of 2.43% is relatively high, which could erode returns over time compared to lower-cost funds.
Lack of available analyst coverage and forward earnings estimates limits transparency and forward visibility for investors.

About The Companies

Genworth (GNW)

Genworth Financial, Inc. (GNW) is an insurance company best known for mortgage insurance and legacy long‑term care exposure. With a market capitalisation near $3.6bn, it operates in a regulated, capital‑intensive industry where underwriting performance, housing market conditions and claims experience drive results. Investors should note the company’s sensitivity to the US housing cycle, interest‑rate moves and regulation affecting capital and reserving. Genworth has in the past managed legacy liabilities and portfolio adjustments; such actions can materially affect reported results and cash flows. Key considerations for an investor are capitalisation and liquidity, risk management including reinsurance arrangements, and the company’s ability to price risk through underwriting cycles. This summary provides general educational information and is not personalised advice; outcomes can vary and past performance is no guarantee of future returns. Carefully consider your own risk tolerance and seek professional advice before making investment decisions.

Reaves Utility Income Fund (UTG)

The Reaves Utility Income Fund (UTG) is a closed-end investment fund designed for those interested in the utilities sector. Its main goal is to provide investors with a high level of income, primarily from dividends, alongside longer-term capital growth. To achieve this, the fund typically invests at least 80% of its assets in the dividend-paying shares of companies within the utility industry. This includes firms involved in generating or distributing electricity, gas, and water, as well as those in telecommunications and infrastructure like toll roads and airports. It's important for potential investors to know that the fund may also invest in lower-grade bonds, which can carry higher risk. As with any investment, the fund's value can go down as well as up, and past performance is not a guide to future returns.

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Comparison Snapshot