The company has 1.92 B in debt with debt to equity (D/E) ratio of 0.12, which may show that Genworth Financial is not taking advantage of profits from borrowing. Genworth Financial has a current ratio of 9.67, demonstrating that it is liquid and is capable to disburse its financial commitments when the payables are due. Debt can assist Genworth Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Genworth Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Genworth Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Genworth to invest in growth at high rates of return. When we think about Genworth Financial's use of debt, we should always consider it together with cash and equity.