Gen Digital (GEN)
Connects consumer cybersecurity, identity protection and financial wellness through subscription brands and marketplaces.
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Gen Digital is the company behind Norton, Avast and LifeLock — the protection subscriptions that renew quietly on millions of household cards. That half is steady, very profitable and slow. The newer half, bought with MoneyLion, is about money itself: a cash-advance and banking app, and a marketplace that matches people to credit cards, loans and insurance. The old subscriptions pay; the money side is the bet.
Item facts: FY2026 · year ended April 3, 2026, from filings, earnings calls and company pages.
Judgment weights, not filed revenue
The band summarizes business focus and direction. ~ marks estimates.
6 in detail · 12 more below
Norton 360 and the Norton portfolio
The all-in-one household protection plan — device security, private browsing, alerts when your details leak. Roughly two of every five dollars Gen collects. Growth now comes from moving existing households up a tier: the top tiers sign up about half a billion dollars a year.
Competes with McAfee Total Protection (McAfee) · Microsoft Defender (Microsoft) · Bitdefender Total Security (Bitdefender)
In plain English
Think of the yearly insurance bill, except what gets covered is the family's laptops, phones and online life. Norton 360 bundles virus protection, a private connection for browsing, watch-lists for leaked passwords, and further up the price list scam checking, help restoring a stolen identity, and insurance.
Households pay monthly or yearly and the charge repeats until someone cancels. Nobody here is a big account — no single customer comes close to mattering on its own — so the way to earn more is to persuade a family already paying to step up a tier or add a second product.
Avast, AVG, Avira and CCleaner
The Avast-derived brands carry the customers outside the Americas — about a quarter of revenue. Growth is mid-single digits once currency swings are stripped out, with Europe rising and Asia roughly flat. Watch how many free users convert to paid.
Competes with ESET consumer security suite (ESET) · Kaspersky consumer suite (Kaspersky) · Malwarebytes Premium (Malwarebytes)
In plain English
Free software with an upsell, at very large scale. Hundreds of millions of people download Avast, AVG or Avira and pay nothing; a slice of them upgrade to the paid version with the extras — private browsing, privacy and identity tools — while CCleaner sells a separate tidy-up tool for clogged PCs.
Those upgrades then renew like any subscription. This is the part of the company living outside the United States, where a customer is worth less than an American one, and where a swing in exchange rates can flatter or flatten a year's growth. Financial products, management says, are a long-term game here, not a near one.
Norton Neo, Sage and Agent Trust Hub
Gen's bet that people won't let AI assistants act for them unattended: a browser built around an assistant, a guard engine now riding inside Norton 360 and Avast One for 25 million customers, and a checkpoint for outside agents. Management calls next year's money from it modest.
Competes with Copilot and Edge privacy protections (Microsoft) · Brave browser (Brave) · Proton privacy suite (Proton)
In plain English
A new kind of software is arriving that does things for you — books the trip, fills the form, presses the buttons. Gen's argument is that people will not hand over that much power without something watching on their behalf, so it built the watching: a browser designed around an assistant, an engine that notices when an AI is being tricked into misbehaving, and a gate that inspects what outside helper programs are asking to do.
None of it is priced separately. It rides inside the Norton and Avast subscriptions, where the job is keeping people from cancelling and making the dearer tiers worth buying.
LifeLock identity protection
Identity protection sold on its own: spot your details turning up where they shouldn't, raise the alarm, then help clean up. Roughly three million customers who rarely leave, and the most valuable ones Gen has. Free credit-monitoring apps squeeze the entry price.
Competes with Aura identity protection (Aura) · Credit Karma credit monitoring (Intuit) · Allstate Identity Protection (Allstate)
In plain English
Someone opens a credit card in your name, and you normally find out months later from a letter. LifeLock's promise is to find out first: it watches the credit files, and the accounts and cards you link to it, pings you when something looks wrong, then puts a person on the phone to undo the damage, with insurance standing behind it.
Customers pay a monthly fee across three tiers, and about nine in ten stay. The catch is that free apps give away basic credit monitoring and the credit bureaus sell it themselves — so the work is proving the alarm and the clean-up crew are worth paying for.
MoneyLion money app
The app Gen bought in 2025: small cash advances, a credit-building account, a banking account. It grew over 40% in its first full year under Gen, with more than two-thirds of the money coming from repeat customers. Lending rules are the live risk.
Competes with Dave cash advances (Dave Inc.) · Chime banking app (Chime) · SoFi membership (SoFi)
In plain English
Payday is the fifteenth and the car breaks on the tenth. MoneyLion is the app for that gap — a small advance to bridge the days, an account that builds a credit record, a banking account for everyday spending. Fees on those services, plus a little interest, are what it earns.
Gen bought it in 2025 and wired it to the safety brands: Norton customers get shown the money app, and the app's own membership folds LifeLock protection in. An outside investor, Sound Point, buys the advances, so handing out cash does not tie up Gen's own. A regulator's case over lending to military families settled in 2025.
Engine by Gen
The matchmaker between people and money products: someone wants a credit card, loan, savings account or now insurance, gets shown options, and the institution pays when one is taken up. It passed a half-billion-dollar-a-year pace last quarter, above its share of last year's revenue.
Competes with Credit Karma offer marketplace (Intuit) · LendingTree marketplace (LendingTree) · NerdWallet comparison site (NerdWallet)
In plain English
Picture the desk at the airport that asks where you are going, points you at the right counter and takes a cut of the ticket. Engine does that for money products. It arrived with MoneyLion, sits on Gen's own apps and on other companies' screens — Equifax's consumer credit site, Microsoft's assistant and news feeds — and banks, lenders and, since the Trellis purchase, insurers pay for each enquiry that turns into a signed customer.
Roughly 425 million enquiries pass through it a year. The money it earns is other companies' marketing budgets, which rise and fall with the economy.
Norton 360 and the Norton portfolioThe all-in-one household protection plan — device security, private browsing, alerts when your details leak. Roughly two of every five dollars Gen collects. Growth now comes from moving existing households up a tier: the top tiers sign up about half a billion dollars a year.The all-in-one household protection plan — device security, private browsing, alerts when your details leak. Roughly two of every five dollars Gen collects. Growth now comes from moving existing households up a tier: the top tiers sign up about half a billion dollars a year.
In plain English
Think of the yearly insurance bill, except what gets covered is the family's laptops, phones and online life. Norton 360 bundles virus protection, a private connection for browsing, watch-lists for leaked passwords, and further up the price list scam checking, help restoring a stolen identity, and insurance.
Households pay monthly or yearly and the charge repeats until someone cancels. Nobody here is a big account — no single customer comes close to mattering on its own — so the way to earn more is to persuade a family already paying to step up a tier or add a second product.
Competes with McAfee Total Protection (McAfee) · Microsoft Defender (Microsoft) · Bitdefender Total Security (Bitdefender)
Avast, AVG, Avira and CCleanerThe Avast-derived brands carry the customers outside the Americas — about a quarter of revenue. Growth is mid-single digits once currency swings are stripped out, with Europe rising and Asia roughly flat. Watch how many free users convert to paid.The Avast-derived brands carry the customers outside the Americas — about a quarter of revenue. Growth is mid-single digits once currency swings are stripped out, with Europe rising and Asia roughly flat. Watch how many free users convert to paid.
In plain English
Free software with an upsell, at very large scale. Hundreds of millions of people download Avast, AVG or Avira and pay nothing; a slice of them upgrade to the paid version with the extras — private browsing, privacy and identity tools — while CCleaner sells a separate tidy-up tool for clogged PCs.
Those upgrades then renew like any subscription. This is the part of the company living outside the United States, where a customer is worth less than an American one, and where a swing in exchange rates can flatter or flatten a year's growth. Financial products, management says, are a long-term game here, not a near one.
Competes with ESET consumer security suite (ESET) · Kaspersky consumer suite (Kaspersky) · Malwarebytes Premium (Malwarebytes)
Norton Neo, Sage and Agent Trust HubGen's bet that people won't let AI assistants act for them unattended: a browser built around an assistant, a guard engine now riding inside Norton 360 and Avast One for 25 million customers, and a checkpoint for outside agents. Management calls next year's money from it modest.Gen's bet that people won't let AI assistants act for them unattended: a browser built around an assistant, a guard engine now riding inside Norton 360 and Avast One for 25 million customers, and a checkpoint for outside agents. Management calls next year's money from it modest.
In plain English
A new kind of software is arriving that does things for you — books the trip, fills the form, presses the buttons. Gen's argument is that people will not hand over that much power without something watching on their behalf, so it built the watching: a browser designed around an assistant, an engine that notices when an AI is being tricked into misbehaving, and a gate that inspects what outside helper programs are asking to do.
None of it is priced separately. It rides inside the Norton and Avast subscriptions, where the job is keeping people from cancelling and making the dearer tiers worth buying.
Competes with Copilot and Edge privacy protections (Microsoft) · Brave browser (Brave) · Proton privacy suite (Proton)
LifeLock identity protectionIdentity protection sold on its own: spot your details turning up where they shouldn't, raise the alarm, then help clean up. Roughly three million customers who rarely leave, and the most valuable ones Gen has. Free credit-monitoring apps squeeze the entry price.Identity protection sold on its own: spot your details turning up where they shouldn't, raise the alarm, then help clean up. Roughly three million customers who rarely leave, and the most valuable ones Gen has. Free credit-monitoring apps squeeze the entry price.
In plain English
Someone opens a credit card in your name, and you normally find out months later from a letter. LifeLock's promise is to find out first: it watches the credit files, and the accounts and cards you link to it, pings you when something looks wrong, then puts a person on the phone to undo the damage, with insurance standing behind it.
Customers pay a monthly fee across three tiers, and about nine in ten stay. The catch is that free apps give away basic credit monitoring and the credit bureaus sell it themselves — so the work is proving the alarm and the clean-up crew are worth paying for.
Competes with Aura identity protection (Aura) · Credit Karma credit monitoring (Intuit) · Allstate Identity Protection (Allstate)
MoneyLion money appThe app Gen bought in 2025: small cash advances, a credit-building account, a banking account. It grew over 40% in its first full year under Gen, with more than two-thirds of the money coming from repeat customers. Lending rules are the live risk.The app Gen bought in 2025: small cash advances, a credit-building account, a banking account. It grew over 40% in its first full year under Gen, with more than two-thirds of the money coming from repeat customers. Lending rules are the live risk.
In plain English
Payday is the fifteenth and the car breaks on the tenth. MoneyLion is the app for that gap — a small advance to bridge the days, an account that builds a credit record, a banking account for everyday spending. Fees on those services, plus a little interest, are what it earns.
Gen bought it in 2025 and wired it to the safety brands: Norton customers get shown the money app, and the app's own membership folds LifeLock protection in. An outside investor, Sound Point, buys the advances, so handing out cash does not tie up Gen's own. A regulator's case over lending to military families settled in 2025.
Competes with Dave cash advances (Dave Inc.) · Chime banking app (Chime) · SoFi membership (SoFi)
Engine by GenThe matchmaker between people and money products: someone wants a credit card, loan, savings account or now insurance, gets shown options, and the institution pays when one is taken up. It passed a half-billion-dollar-a-year pace last quarter, above its share of last year's revenue.The matchmaker between people and money products: someone wants a credit card, loan, savings account or now insurance, gets shown options, and the institution pays when one is taken up. It passed a half-billion-dollar-a-year pace last quarter, above its share of last year's revenue.
In plain English
Picture the desk at the airport that asks where you are going, points you at the right counter and takes a cut of the ticket. Engine does that for money products. It arrived with MoneyLion, sits on Gen's own apps and on other companies' screens — Equifax's consumer credit site, Microsoft's assistant and news feeds — and banks, lenders and, since the Trellis purchase, insurers pay for each enquiry that turns into a signed customer.
Roughly 425 million enquiries pass through it a year. The money it earns is other companies' marketing budgets, which rise and fall with the economy.
Competes with Credit Karma offer marketplace (Intuit) · LendingTree marketplace (LendingTree) · NerdWallet comparison site (NerdWallet)
Named in filings, launches and programs
- Partner and employee-benefits channelCustomer program · RampingRetailers, phone companies and employers that sign customers up for Gen; grew 31% year over year and passed a billion dollars a year, at thinner margins.
- Norton MoneyProductApp launched in 2025 pairing credit monitoring and identity protection with money insights and a picked list of offers; carries early-access-to-pay features for workplace benefits.
- MoneyLion OneProduct · RampingA $9.99-a-month premium banking membership launched July 2026 that folds LifeLock protection into the banking relationship.
- Norton Financial ScanProduct · RampingMoneyLion's AI account monitoring, out of testing and rolling into Norton 360 — the wiring that lets a security app notice money trouble.
- ReputationDefenderProduct lineCleans up what the internet says about you; the reputation piece sitting alongside LifeLock and the money apps.
- Trellis (Savvy insurance platform)BrandBought March 2026; supplies the insurance matching inside Engine, plugged into more than ten partners within a quarter.
- InstacashProduct · RampingMoneyLion's small cash advances, with record amounts issued in the last two quarters; an outside investor buys them, keeping Gen's own cash free.
- Credit Builder PlusProduct · RampingA paid account that helps customers build a credit record — one of the growth drivers management names inside the money app.
- RoarMoneyProduct · RampingMoneyLion's banking account — the piece that makes the app somewhere a paycheck lands rather than somewhere you visit in a pinch.
- Norton GenieProductThe scam-spotting engine built into Norton 360 and Avast, and since June 2026 reachable inside Anthropic's Claude assistant.
- Gen Threat LabsServiceIn-house threat research feeding the detection behind Norton, Avast and the rest; earns nothing on its own.
- Equifax partnershipCustomer program · RampingExpanded February 2026: Engine's offers now sit inside myEquifax. Equifax supplies data, distributes Gen's products and competes with them at once.
Partner and employee-benefits channelCustomer program · Ramping
Retailers, phone companies and employers that sign customers up for Gen; grew 31% year over year and passed a billion dollars a year, at thinner margins.
Norton MoneyProduct
App launched in 2025 pairing credit monitoring and identity protection with money insights and a picked list of offers; carries early-access-to-pay features for workplace benefits.
MoneyLion OneProduct · Ramping
A $9.99-a-month premium banking membership launched July 2026 that folds LifeLock protection into the banking relationship.
Norton Financial ScanProduct · Ramping
MoneyLion's AI account monitoring, out of testing and rolling into Norton 360 — the wiring that lets a security app notice money trouble.
ReputationDefenderProduct line
Cleans up what the internet says about you; the reputation piece sitting alongside LifeLock and the money apps.
Trellis (Savvy insurance platform)Brand
Bought March 2026; supplies the insurance matching inside Engine, plugged into more than ten partners within a quarter.
InstacashProduct · Ramping
MoneyLion's small cash advances, with record amounts issued in the last two quarters; an outside investor buys them, keeping Gen's own cash free.
Credit Builder PlusProduct · Ramping
A paid account that helps customers build a credit record — one of the growth drivers management names inside the money app.
RoarMoneyProduct · Ramping
MoneyLion's banking account — the piece that makes the app somewhere a paycheck lands rather than somewhere you visit in a pinch.
Norton GenieProduct
The scam-spotting engine built into Norton 360 and Avast, and since June 2026 reachable inside Anthropic's Claude assistant.
Gen Threat LabsService
In-house threat research feeding the detection behind Norton, Avast and the rest; earns nothing on its own.
Equifax partnershipCustomer program · Ramping
Expanded February 2026: Engine's offers now sit inside myEquifax. Equifax supplies data, distributes Gen's products and competes with them at once.