Gen Digital Inc.(GEN)Stock Analysis
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Rank #452 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
GEN Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Gen Digital Inc. (GEN), a Technology sector company. 13F Pro's AI-powered ranking engine scores GEN at 67.7/100 on a 32-signal composite quality model, placing it at rank #452 of 2,879 stocks — the top 25% of the AI-ranked universe. GEN scores in the top quartile across free cash flow (85.3), revenue scale (77.1). Areas of concern include earnings quality (32.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 26.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q4 2026), Gen Digital Inc. reports quarterly revenue of $1.3B, net income of $512.0M, free cash flow of $476.0M. Top institutional holders of GEN by reported 13-F value include BlackRock,, FMR, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. GEN trades on the Nasdaq exchange and files with the SEC under CIK 849399. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate GEN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Gen Digital Inc. directly from SEC EDGAR. Gen Digital Inc.'s 13F Pro composite quality score has ranged between 60 and 75 since 2022, currently 67.7 — a stable long-term trajectory across 21 quarterly and live scoring snapshots.
What's Driving GEN's Business? Latest 10-K Breakdown
AI-extracted from Gen Digital Inc.'s 10-K filed 2026-05-21 — FY2026 (fiscal year ended April 3, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Gen Digital revenue surged 27% YoY to $5.0B, driven by MoneyLion acquisition ($823M contribution) and organic growth in both Cyber Safety and Trust-Based Solutions segments.
Biggest Revenue Drivers
Total revenue: $5,000M+27% YoY
Growth across cyber safety membership offerings and the additional 53rd week in fiscal 2026.
Largest Expense Items
$197M increase in partner revenue share mainly in Trust-Based Solutions, $58M increase in payment processing fees, $32M increase in amortization of intangible assets.
$205M loss on sale of Instacash Advances, $142M increase in marketing expenses, $67M increase in headcount costs, $46M increase in stock-based compensation.
$31M increase in headcount costs, $19M increase in equipment expenses, $17M increase in stock-based compensation, $8M increase in occupancy and IT costs.
$354M litigation accrual reversal related to Columbia litigation, offset by MoneyLion acquisition and other costs.
Margins: Gross profit margin decreased to 78% from 80% YoY, primarily due to higher partner revenue share costs from Trust-Based Solutions growth and increased payment processing fees. Operating margin remained strong at 42% despite integration costs and increased marketing investments.
Watch Items from the Filing
- MoneyLion acquisition integration and material weakness in internal controls: MoneyLion had a pre-acquisition material weakness in internal controls over Credit Builder Loan product cash disbursements; Gen is currently evaluating remediation under its control framework.
- Significant debt burden: $8.3B total outstanding indebtedness with $181M due within 12 months; variable-rate term loans of $5.8B expose company to SOFR increases (100bp increase = $58M annualized interest expense impact).
- $205M loss on sale of Instacash Advances in fiscal 2026 indicates potential strategic shift or margin pressure in earned wage access product, which faces evolving and uncertain regulatory landscape.
- Contingent Value Rights (CVR) obligation: Gen may be required to issue up to $23.00 per CVR share if stock average VWAP reaches $37.50 or above within 24 months of MoneyLion close, creating potential shareholder dilution.
- Operating cash flow of $1.5B provides strong liquidity to service debt and fund operations; cash and equivalents decreased $595M to $411M primarily due to MoneyLion acquisition and debt paydowns.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q4 2026
$1.3B
Net Income
Q4 2026
$512.0M
Free Cash Flow
Q4 2026
$476.0M
ROIC
Q4 2026
7.4%
D/E Ratio
Q4 2026
3.21
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+31.6% YoYNet Income
+60.3% YoYOperating Income
+91.0% YoYEPS (Diluted)
+65.3% YoYTotal Assets
-1.3% YoYTotal Debt
-4.6% YoYOp. Cash Flow
-25.1% YoY| Metric | FY 2026 | FY 2024 | FY 2023 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $5.00B +31.6% | $3.80B +14.6% | $3.32B +30.0% | $2.55B +2.4% | $2.49B +1.4% | $2.46B |
| Net Income | $973.0M +60.3% | $607.0M -54.5% | $1.33B +140.8% | $554.0M -85.7% | $3.89B +12438.7% | $31.0M |
| Operating Income | $2.12B +91.0% | $1.11B -8.0% | $1.21B +34.6% | $896.0M +152.4% | $355.0M +124.7% | $158.0M |
| EPS (Diluted) | $1.57 +65.3% | $0.95 -55.6% | $2.14 +132.6% | $0.92 -84.8% | $6.05 +12000.0% | $0.05 |
| Total Assets | $15.59B -1.3% | $15.79B -1.0% | $15.95B +150.7% | $6.36B -17.8% | $7.74B -51.5% | $15.94B |
| Total Debt | $8.38B -4.6% | $8.78B -12.2% | $9.99B +155.4% | $3.91B -21.4% | $4.98B +0.7% | $4.94B |
| Operating Cash Flow | $1.54B -25.1% | $2.06B +172.7% | $757.0M +7.2% | $706.0M +182.0% | $-861.0M -157.6% | $1.50B |
AI Insight: GEN Financial Trends
Q2 2026 net income surged to $512M—a 167% jump from Q1—as operating margin expanded to 62.5%, signaling major operational leverage.
• Operating margin expanded from 35.1% in Q1 2026 to 62.5% in Q2 2026; operating income jumped $370M quarter-over-quarter.
• Revenue grew 3.5% from Q1 to Q2 2026 ($1,240M to $1,283M) while net income nearly tripled, demonstrating improving profitability.
• Total debt declined to $8,377M in Q2 2026 from $8,647M in Q1 2026; leverage ratio improved despite equity growth.
⚠ Operating cash flow fell to $116M in Q4 2025 before recovering to $541M in Q1 2026 and $479M in Q2 2026—volatility warrants monitoring.
⚠ Net income collapsed from $181M in Q2 2024 to $134–135M in mid-2025 before rebounding to $512M in Q2 2026—sustainability unclear.
AI Insight: GEN Ratio Trends
Q2 2026 profitability metrics surged sharply—operating margin jumped to 62.6% and net profit margin to 39.9%—suggesting a major operational or accounting inflection.
• Operating margin expanded from 34.9% in Q1 2026 to 62.6% in Q2 2026; net profit margin rose from 15.5% to 39.9%.
• ROIC climbed to 29.2% in Q2 2026 from 15.8% in Q1 2026, the highest since Q2 2024's 14.1%.
• Debt-to-equity ratio declined to 3.21 in Q2 2026, matching TTM baseline and down from 3.87 in Q3 2025.
⚠ Q2 2026's margin spike appears exceptional; validate whether one-time items, M&A, or accounting changes drove the jump.
⚠ ROA at 13.1% in Q2 2026 is 4× Q1 2026's 4.9%—verify sustainability and asset base changes.
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Top Institutional Holders of GEN
BlackRock, Inc.
$997.1M52,953,737 shFMR LLC
$843.5M44,797,978 shVANGUARD CAPITAL MANAGEMENT LLC
$670.1M35,586,480 shVANGUARD PORTFOLIO MANAGEMENT LLC
$590.4M31,355,683 shSTATE STREET CORP
$555.5M29,499,735 shAMERIPRISE FINANCIAL INC
$375.7M19,949,585 shGEODE CAPITAL MANAGEMENT, LLC
$292.1M15,562,127 shBoston Partners
$280.3M14,885,079 shFIRST TRUST ADVISORS LP
$278.9M14,808,943 shInvesco Ltd.
$254.9M13,535,466 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $997.1M | 52,953,737 |
| FMR LLC | $843.5M | 44,797,978 |
| VANGUARD CAPITAL MANAGEMENT LLC | $670.1M | 35,586,480 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $590.4M | 31,355,683 |
| STATE STREET CORP | $555.5M | 29,499,735 |
| AMERIPRISE FINANCIAL INC | $375.7M | 19,949,585 |
| GEODE CAPITAL MANAGEMENT, LLC | $292.1M | 15,562,127 |
| Boston Partners | $280.3M | 14,885,079 |
| FIRST TRUST ADVISORS LP | $278.9M | 14,808,943 |
| Invesco Ltd. | $254.9M | 13,535,466 |
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Popular Research
Is GEN a good stock to buy?
13F Pro's AI-powered analysis of Gen Digital Inc. (GEN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for GEN are available on the GEN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own GEN?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling GEN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Gen Digital Inc.'s investment landscape.