Company overview
Consumer Cyber Safety and Trust-Based Solutions via Norton, Avast, LifeLock and MoneyLion
Source evidence
“Gen Digital Inc. is a global leader in consumer Cyber Safety and Trust-Based Solutions”

GEN
Updated: 25/09/2026, 04:07:31
Gen Digital Inc. delivers a wide array of cyber safety solutions for individual users across the globe, with operations spanning the United States, Canada, Latin America, Europe, the Middle East, Africa, the Asia Pacific region, and Japan. Its flagship offering, Norton 360, is a subscription-based, all-in-one cyber protection platform safeguarding PCs, Macs, and mobile devices from a wide spectrum of online dangers like malware, viruses, ransomware, and adware. The company also offers Norton and LifeLock's identity theft protection, which includes proactive monitoring, timely alerts, and professional restoration assistance should identity fraud occur. To bolster online privacy and security, its Norton Secure VPN creates an encrypted tunnel for data, ensuring anonymity. The Privacy Monitor Assistant provides a specialized service where experts assist users in removing their personal data from online data brokers. Home Title Protect helps safeguard property by detecting potential fraud and alerting homeowners. Furthermore, Gen Digital provides Avira Security, another robust portfolio of cybersecurity and privacy tools tailored for consumers. Additional products include Dark Web Monitoring, which continuously scans illicit online spaces for the personal information of Norton 360 subscribers. Its Social Media Monitoring tool enhances the security of social profiles by watching for account takeovers, suspicious activity, and unsuitable content. AntiTrack is designed to preserve digital privacy by blocking online trackers and obscuring users' unique digital fingerprints. An Online Reputation Management service also aids in controlling personal search results, managing digital branding, and maintaining privacy. The company distributes and sells its offerings through a diverse network, including traditional retailers, telecommunications companies, hardware manufacturers (OEMs), employee benefit programs, and its own e-commerce platform. Founded in 1982 and headquartered in Tempe, Arizona, the company adopted its current name, Gen Digital Inc., in November 2022, having previously operated as NortonLifeLock Inc.
No summaries found.
Reported and calculated KPIs plus operational exposure disclosed in the FY 2026 filing.
Revenue
$5.0B
FY 2026 · Reported
Net income
$1.0B
FY 2026 · Reported
Gross margin
78.5%
FY 2026 · Calculated
Free cash flow
$1.5B
FY 2026 · Calculated
R&D intensity
8.2%
FY 2026 · Calculated
Share repurchases
$0.6B
FY 2026 · Reported
Other offerings mentioned without separate sales
Area-level product sales are displayed only when the filing reports a product × geography breakdown. Regional totals are not allocated across products by estimation.
Map layer
Pins show disclosed operations. The heatmap colors the filing’s reported geographies; regional figures shade the region and are not estimates for each country.
Only locations and quantities explicitly supported by the filing are displayed. A country-level manufacturing percentage or product allocation is shown only when the source discloses it; materiality scores are never presented as production shares.
Company overview
Consumer Cyber Safety and Trust-Based Solutions via Norton, Avast, LifeLock and MoneyLion
“Gen Digital Inc. is a global leader in consumer Cyber Safety and Trust-Based Solutions”
Company overview
Consumer Cyber Safety and Trust-Based Solutions company; ~500M users in 150+ countries via Norton, Avast, LifeLock, MoneyLion
“Gen Digital Inc. is a global leader in consumer Cyber Safety and Trust-Based Solutions”
Instacash Advances are not loans
These advances are not loans and carry no contractual obligation for customer repayment.
“These advances are not loans and carry no contractual obligation for customer repayment.”
Revenue model via partner distribution channels
Net revenues are principally derived from the sale of products and services directly to end-user customers through multiple partner distribution channels.
“the Company’s net revenues are principally derived from the sale of products and services directly to end-user customers through multiple partner distribution channels”
Cyber safety and financial wellness businesses
Two business areas: cyber safety and financial wellness
“Our cyber safety and financial wellness businesses compete with a broad range of companies”
Reportable segments
Two operating segments: Cyber Safety Platform and Trust-Based Solutions
“We present financial information for our Cyber Safety Platform and Trust-Based Solutions opera”
Go-to-market channels
Direct, indirect partner, freemium, and Engine by Gen marketplace channels; annual subscriptions predominant
“Our global, omni-channel sales approach includes direct, indirect and freemium channels”
Trust-Based Solutions
Trust-Based Solutions: identity protection, restoration, digital reputation, financial wellness (MoneyLion, Engine marketplace)
“Our Trust-Based Solutions includes our identity protection, restoration support services, digital reputation, and secure financial wellness, including our first-party MoneyLion products and our Engine marketplace offerings.”
Cyber Safety Platform
Cyber Safety Platform: security, suites, privacy products
“Our Cyber Safety Platform includes our security, comprehensive suites, and privacy products”
Brand portfolio
Brands: Norton, Avast, LifeLock, MoneyLion, Avira, AVG, ReputationDefender, CCleaner
“Gen, Norton, Avast, LifeLock, MoneyLion, Avira, AVG, ReputationDefender, CCleaner and all related trademarks”
Engine by Gen marketplace
Engine by Gen marketplace connects consumers with 600+ third-party financial product providers
“Our Engine marketplace connects consumers with over 600 third-party financial product providers across lending, insurance, credit, and banking”
Identity and information protection service
Identity and information protection services processing personal information including credit card data
“particularly in relation to our identity and information protection service and financial wellness offerings”
Broadcom dependency
Dependent on Broadcom for engineering and threat response services critical to many products
“We are dependent upon Broadcom for certain engineering and threat response services, which are critical to many of our products and business.”
MoneyLion Inc. acquisition
The Company acquired MoneyLion Inc. during the year ended April 3, 2026.
“The Company acquired MoneyLion Inc. during the year ended April 3, 2026”
MoneyLion acquisition drove revenue growth
MoneyLion acquisition added $823M to net revenues in fiscal 2026
“including an increase of $823 million due to the acquisition of MoneyLion”
MoneyLion acquisition
Acquisition of MoneyLion expanded marketplace (Engine by Gen) and first-party financial products
“The acquisition of MoneyLion further expanded our go-to-market reach through a consumer and enterprise marketplace, which is branded Engine by Gen.”
Significant R&D investment including AI
Significant R&D expenses, including investments in AI, to drive organic growth and reduce reliance on third-party technologies
“We have incurred, and will continue to incur, significant research and development expenses, including investments in AI, to drive organic growth and reduce reliance on third-party technologies”
Fiscal 2026 cost headwinds
Higher marketing, payment processing fees, amortization and compensation; lower legal costs
“an increase in marketing costs, payment processing fees, amortization of intangible assets and compensation related expenses”
Debt balances
Long-term debt of $8,015M and current portion of $181M as of April 3, 2026
“Long-term debt8,015 7,968”
Fiscal 2026 debt activity
Term A/B Facility payments; issued Incremental Term Loan B and Extended Term Loan A in fiscal 2026
“proceeds from the issuance of our Incremental Term Loan B and Extended Term Loan A”
Balance sheet snapshot April 3, 2026 vs March 28, 2025
Total assets $15,589M; goodwill $10,996M; long-term debt $8,015M plus $181M current; contract liabilities $1,904M; stockholders' equity $2,611M (April 3, 2026 vs March 28, 2025)
“Total assets$15,589 $15,495”
Auditor tenure and opinion
KPMG LLP issued unqualified opinions on the financial statements and ICFR as of April 3, 2026; auditor since 2002
“We have served as the Company’s auditor since 2002.”
Capital return in fiscal 2026
Returned $1,091M to shareholders and bondholders: $634M buybacks (25M shares), $312M dividends, $145M net debt paydowns
“During fiscal 2026, we returned $1,091 million of capital back to shareholders and bondholders.”
Headquarters location
Gen Digital Inc., Tempe, Arizona
“Gen Digital Inc. Attn: Investor Relations 60 E. Rio Salado, Suite 1000 Tempe, Arizona 85281”
Evolving AI regulation
EU AI Act (effective 2024, fully applicable after 2-year transition), state laws (CA, CO), Dec 2025 federal executive order, Mar 2026 National Policy Framework
“the EU AI Act, which came into force on August 1, 2024, will generally become fully applicable after a two-year transitional period”
AI development and deployment risks
AI including Gen AI embedded in products carries legal, regulatory, operational and reputational risks including hallucinatory outputs and IP claims
“AI systems, including AI internally developed and AI present in third party solutions, may be flawed, contain errors or vulnerabilities, reflect unintended bias, or produce inaccurate, misleading or "hallucinatory" outputs”
Privacy and data protection regulatory exposure
Subject to GLBA, SEC Reg S-P, CCPA/CPRA and proliferating state privacy laws; compliance failures risk fines and class actions
“the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (CCPA), and similar comprehensive privacy laws enacted in multiple other U.S. states”
Global macroeconomic risk factors
Tariffs, FX, interest rates, inflation, geopolitics, banking instability and recession risks could hurt renewals and collections
“increased tariffs and an uncertain global trade environment, foreign currency exchange rate fluctuations, the impact of interest rate fluctuations, elevated inflation”
Cybersecurity incidents
Past and continuing cybersecurity attacks including by nation-states; agentic AI creates expanded attack surface
“Malicious hackers, state-sponsored actors, insiders and third-party service providers have attempted to penetrate, and in some cases succeeded in penetrating, our networks or those of our vendors”
Substantial indebtedness
Substantial debt and Amended Credit Agreement covenants limit financial/operating flexibility
“Our substantial indebtedness and related debt obligations could limit our financial and operating flexibility and increase our vulnerability to adverse business and economic conditions. Our Amended Credit Agreement imposes operating and financial restrictions on us.”
AI-related risks
Generative AI and AI-enabled cyber threats create regulatory, privacy, IP, cybersecurity, operational and reputational risks
“Issues in the development and deployment of AI, including generative AI and emerging AI-enabled cyber threats, could expose us to regulatory, privacy, IP, cybersecurity, operational and reputational risks.”
Agentic AI risks
Agentic AI deployment heightens data privacy and cybersecurity risk; agents may be manipulated into unauthorized actions
“deployment of agentic AI with access to our systems, data, and third-party tools creates an expanded surface for cyberattacks”
Dependence on strategic distribution and bundling relationships
Relies on strategic distribution and bundling partners who may replace offerings with competing or internal solutions
“We also depend on strategic distribution and bundling relationships, and partners have in the past replaced, and may in the future replace, our solutions with competing or internally developed offerings”
Customer retention dependency
Revenue depends on customer retention, freemium conversion, and new customer additions
“Our revenue and operating results depend significantly on our ability to retain our existing customers and increase their adoption of our offerings, convert existing non-paying customers to paying customers, and add new customers.”
Acquisition and divestiture integration risk
Acquisitions and divestitures create special risks and challenges
“Our acquisitions and divestitures create special risks and challenges”
Software defects and undetected bugs
Undetected technical errors or bugs in software could harm reputation, customers and revenue
“the software upon which we rely may contain undetected technical errors or bugs, which may only be discovered after the code has been released for external or internal use”
Talent availability
Availability of engineering and technical talent is a key risk for new product development
“•Availability of engineering and technical talent;”
Revenue depends on retaining ~79M paid customers and converting ~500M users to paid subscriptions; retention and conversion are explicitly cited as key revenue dependencies.
“Our revenue and operating results depend significantly on our ability to retain our existing customers and increase their adoption of our offerings, convert existing non-paying customers to paying customers, and add new customers.”
Broadcom provides engineering and threat response services critical to many Gen products; failure or disruption would directly impair product delivery.
“We are dependent upon Broadcom for certain engineering and threat response services, which are critical to many of our products and business.”
Cyber Safety Platform products contributed to higher fiscal 2026 net revenues alongside Trust-Based Solutions.
“primarily due to higher sales in both our Cyber Safety Platform products and Trust-Based Solutions”
AI is embedded in products and drives both growth opportunity and legal/regulatory/reputational exposure including EU AI Act compliance and computing costs.
“We have incorporated, and are continuing to develop and deploy, AI, including Gen AI, into many of our products, solutions and services.”
Expanding digital footprint and increasingly sophisticated cybercriminal activity (phishing, deepfakes, account takeover, generative-AI abuse) drive consumer demand for Gen's cyber safety solutions.
“Cybercriminals are combining long-standing techniques such as phishing, vishing and smishing with data-driven social engineering, deepfakes, account-takeover attacks and abuse of generative-AI systems and AI agents”
The MoneyLion acquisition contributed $823 million of the $1,065 million net revenue increase in fiscal 2026.
“including an increase of $823 million due to the acquisition of MoneyLion”
MoneyLion contributed 16% ($823M) of consolidated revenues in FY2026, a newly acquired fintech business line.
“total revenues representing approximately 2%, or $354 million, and 16%, or $823 million, respectively, included in the consolidated financial statements of the Company”
OS and platform providers bundle native security/privacy/financial features at no cost and may limit interoperability, reducing demand for company offerings.
“operating system and internet browser companies, have in the past and may in the future limit the interoperability of our solutions with their own products and services, including to promote competing offerings”
Trust-Based Solutions (identity protection, financial wellness, Engine marketplace) contributed to fiscal 2026 revenue growth.
“primarily due to higher sales in both our Cyber Safety Platform products and Trust-Based Solutions”
As a cyber security company the platform is an attractive target; breaches could cause customer loss, legal claims and regulatory penalties affecting revenue.
“we are an attractive target for attacks designed to impede the performance and availability of our offerings, compromise sensitive information and harm our reputation as a leading cyber security company”
AI is both a threat driver (AI-generated scams, deepfakes, agentic threats increasing demand for cyber safety) and a strategic priority (AI-native scam detection, agentic security, trust layer for AI economy), while creating regulatory and reputational risks.
“including emerging risks from AI-generated scams, deepfakes, and agentic threats, while delivering proactive, personalized safety companion across devices, browsers, and AI agents”
Net revenues are principally derived through multiple partner distribution channels, making channel relationships a key revenue mechanism.
“net revenues are principally derived from the sale of products and services directly to end-user customers through multiple partner distribution channels”
Company collects and processes personal information and sensitive data subject to stringent and changing state and federal laws; legal/regulatory regimes for its products are uncertain and evolving.
“We collect, use, disclose, store or otherwise process personal information and other sensitive data, which is subject to stringent and changing state and federal laws and regulations.”
Processing personal and credit card information subjects company to GLBA, Reg S-P, CCPA/CPRA and proliferating state privacy laws; compliance costs and enforcement risk rise as more states legislate.
“Additional states continue to enact comprehensive privacy legislation, creating a fragmented and evolving compliance environment that increases operational complexity and costs”
Indirect partner channels including retailers, telecom service providers, employee benefit providers, and 650+ channel partners expand customer reach; adverse changes in key partner relationships could materially harm results.
“These channels include retailers, telecom service providers, employee benefit providers, strategic partners, small offices, home offices, and very small businesses.”
Instacash Advances are originated and sold under a Master Receivables Purchase Agreement, generating a $205M loss on sale of $4,126M sold during the year.
“the Company originates and sells Instacash Advances pursuant to a Master Receivables Purchase Agreement”
EU AI Act imposes transparency requirements for general purpose AI systems affecting product deployment; non-compliance could require capital expenditures or data loss.
“The EU AI Act introduces various requirements for AI systems and models placed on the market or put into service in the EU, including specific transparency and other requirements for general purpose AI systems”
Elevated inflation and economic uncertainty can influence customer renewals and collections.
“we may experience negative impacts on customer renewals, customer collections, sales and marketing efforts”
Adverse macroeconomic conditions (recessions, inflation, interest rates) have adversely affected and may continue to adversely affect the consumer finance industry and the MoneyLion business; company also relies on funding sources for its business model.
“Adverse macroeconomic conditions have adversely affected and may continue to adversely affect the consumer finance industry and our MoneyLion business.”
Increased tariffs and uncertain global trade environment are listed as factors that may influence results of operations and cash flows.
“increased tariffs and an uncertain global trade environment”
Revenue determination relies on multiple IT systems; aggregation across systems was a critical audit matter.
“The processing of customer orders through to the determination of net revenues to be recognized is reliant upon multiple information technology (IT) systems.”
Developing, testing and deploying AI systems increases cost profile due to computing costs; regulation requires significant ongoing investment.
“Developing, testing, and deploying AI systems may also increase the cost profile of our offerings due to the nature of the computing costs involved in such systems”
Company cites fluctuations in foreign currency exchange rates as a forward-looking risk factor affecting results, consistent with operations in 150+ countries.
“the impact of inflation, fluctuations in foreign currency exchange rates, changes in interest rates, and the impact of new trade policy, including the implementation of global tariffs”
Interest rate fluctuations are cited among macroeconomic conditions influencing results and customer behavior.
“the impact of interest rate fluctuations”
Ongoing litigation, regulatory proceedings and unrecognized tax positions are critical estimates with potential material loss exposure.
“regulatory proceedings, claims, mediations, arbitration and litigation, arising out of the ordinary course of business”
MoneyLion was excluded from the ICFR assessment and audit, an integration and control risk factor for FY2026.
“Our audit of internal control over financial reporting of the Company also excluded an evaluation of the internal control over financial reporting of MoneyLion Inc.”
Interest expense declined from 15% to 11% of revenues; debt facility repayments and refinancing (Incremental Term Loan B, Extended Term Loan A) affect financing costs.
“principal payments of our Term A and B Facilities, repayment of our Term A Facility”
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