(VOYA) Voya Financial - Overview
Sector: Financial Services | Industry: Financial Conglomerates | Exchange: NYSE (USA) | Market Cap: 6.624m USD | Total Return: 24.8% in 12m
Retirement Plans, Investment Management, Insurance
Total Rating 26
Safety 65
Buy Signal 0.01
Financial Conglomerates
Industry Rotation: +0.3
Industry Rotation: +0.3
Market Cap:
6.62B
Avg Turnover: 68.6M USD
Avg Turnover: 68.6M USD
ATR:
3.20%
Peers RS (IBD): 54.2
Peers RS (IBD): 54.2
Risk 5d forecast
Volatility25.6%
Rel. Tail Risk-2.41%
Reward TTM
Sharpe Ratio0.58
Alpha-8.75
Character TTM
Beta1.076
Beta Downside1.636
Drawdowns 3y
Max DD34.55%
CAGR/Max DD0.00
EPS (Earnings per Share)
EPS CAGR: -45.51%
EPS Trend: -38.6%
EPS Trend: -38.6%
Last SUE: -3.89
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: -1.59%
Rev. Trend: 53.1%
Rev. Trend: 53.1%
Last SUE: -1.11
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: VOYA Voya Financial
Voya Financial, Inc. (VOYA) provides workplace benefits and savings solutions. The company operates in the financial services sector, which is characterized by diverse offerings including asset management, insurance, and retirement planning.
The company has three segments. Its Retirement segment offers full-service retirement products, recordkeeping, and wealth management services to various institutional clients and individual customers. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products to individual investors and institutional clients. This segment operates within the asset management industry, which focuses on managing investments for clients.
Voyas Employee Benefits segment offers various insurance products including stop loss, group life, and disability insurance, alongside worksite employee benefits and health account solutions. This segment operates within the insurance industry, which provides risk management and financial protection. Voya Financial, Inc. was formerly known as ING U.S., Inc. and was founded in 1975.
Further research on ValueRay can provide more in-depth data and analysis.
- Retirement plan sales drive revenue growth
- Investment management performance impacts asset fees
- Employee benefits enrollment boosts premium income
- Interest rate fluctuations affect investment returns
- Regulatory changes increase compliance costs
Piotroski VR‑10 (Strict)
3.5
| Net Income: 654.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.10 > 1.0 |
| NWC/Revenue: 151.5% < 20% (prev 454.4%; Δ -303.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.29b > Net Income 654.0m |
| Net Debt (876.0m) to EBITDA (261.0m): 3.36 < 3 |
| Current Ratio: 20.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (97.0m) vs 12m ago -2.02% < -2% |
| Gross Margin: 51.84% > 18% (prev 0.48%; Δ 5.14k% > 0.5%) |
| Asset Turnover: 4.37% > 50% (prev 4.91%; Δ -0.54% > 0%) |
| Interest Coverage Ratio: 1.35 > 6 (EBITDA TTM 261.0m / Interest Expense TTM 193.0m) |
Altman Z''
0.45
| A: 0.06 (Total Current Assets 11.94b - Total Current Liabilities 586.0m) / Total Assets 178.86b |
| B: 0.01 (Retained Earnings 1.39b / Total Assets 178.86b) |
| C: 0.00 (EBIT TTM 261.0m / Avg Total Assets 171.37b) |
| D: -0.00 (Book Value of Equity -395.0m / Total Liabilities 171.82b) |
| Altman-Z'' Score: 0.45 = B |
What is the price of VOYA shares?
As of April 13, 2026, the stock is trading at USD 69.94 with a total of 1,027,289 shares traded.
Over the past week, the price has changed by +2.45%, over one month by +6.76%, over three months by -9.89% and over the past year by +24.81%.
Over the past week, the price has changed by +2.45%, over one month by +6.76%, over three months by -9.89% and over the past year by +24.81%.
Is VOYA a buy, sell or hold?
Voya Financial has received a consensus analysts rating of 3.58.
Therefor, it is recommend to hold VOYA.
- StrongBuy: 2
- Buy: 4
- Hold: 5
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the VOYA price?
| Analysts Target Price | 83.9 | 20% |
Voya Financial (VOYA) - Fundamental Data Overview
as of 11 April 2026
P/E Trailing = 11.0668 P/E Forward = 6.993
P/S = 0.8089
P/B = 1.2582
P/EG = 1.19
Revenue TTM = 7.50b USD
EBIT TTM = 261.0m USD
EBITDA TTM = 261.0m USD
Long Term Debt = 2.65b USD (from longTermDebt, last quarter)
Short Term Debt = 586.0m USD (from shortTermDebt, last quarter)
Debt = 3.24b USD (corrected: LT Debt 2.65b + ST Debt 586.0m)
Net Debt = 876.0m USD (from netDebt column, last quarter)
Enterprise Value = 8.63b USD (6.62b + Debt 3.24b - CCE 1.23b)
Interest Coverage Ratio = 1.35 (Ebit TTM 261.0m / Interest Expense TTM 193.0m)
EV/FCF = 6.70x (Enterprise Value 8.63b / FCF TTM 1.29b)
FCF Yield = 14.92% (FCF TTM 1.29b / Enterprise Value 8.63b)
FCF Margin = 17.18% (FCF TTM 1.29b / Revenue TTM 7.50b)
Net Margin = 8.72% (Net Income TTM 654.0m / Revenue TTM 7.50b)
Gross Margin = 51.84% ((Revenue TTM 7.50b - Cost of Revenue TTM 3.61b) / Revenue TTM)
Gross Margin QoQ = 46.54% (prev 55.64%)
Tobins Q-Ratio = 0.05 (Enterprise Value 8.63b / Total Assets 178.86b)
Interest Expense / Debt = 1.17% (Interest Expense 38.0m / Debt 3.24b)
Taxrate = 11.83% (20.0m / 169.0m)
NOPAT = 230.1m (EBIT 261.0m * (1 - 11.83%))
Current Ratio = 20.38 (Total Current Assets 11.94b / Total Current Liabilities 586.0m)
Debt / Equity = 0.65 (Debt 3.24b / totalStockholderEquity, last quarter 4.95b)
Debt / EBITDA = 3.36 (Net Debt 876.0m / EBITDA 261.0m)
Debt / FCF = 0.68 (Net Debt 876.0m / FCF TTM 1.29b)
Total Stockholder Equity = 4.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.38% (Net Income 654.0m / Total Assets 178.86b)
RoE = 13.83% (Net Income TTM 654.0m / Total Stockholder Equity 4.73b)
RoCE = 3.54% (EBIT 261.0m / Capital Employed (Equity 4.73b + L.T.Debt 2.65b))
RoIC = 2.90% (NOPAT 230.1m / Invested Capital 7.93b)
WACC = 6.90% (E(6.62b)/V(9.86b) * Re(9.77%) + D(3.24b)/V(9.86b) * Rd(1.17%) * (1-Tc(0.12)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.79%
[DCF] Terminal Value 82.71% ; FCFF base≈1.31b ; Y1≈1.31b ; Y5≈1.40b
[DCF] Fair Price = 335.5 (EV 32.00b - Net Debt 876.0m = Equity 31.12b / Shares 92.8m; r=6.90% [WACC]; 5y FCF grow -0.33% → 3.0% )
EPS Correlation: -38.62 | EPS CAGR: -45.51% | SUE: -3.89 | # QB: 0
Revenue Correlation: 53.07 | Revenue CAGR: -1.59% | SUE: -1.11 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.49 | Chg7d=-0.052 | Chg30d=-0.058 | Revisions Net=-4 | Analysts=9
EPS current Year (2026-12-31): EPS=9.64 | Chg7d=-0.098 | Chg30d=-0.105 | Revisions Net=-5 | Growth EPS=+8.9% | Growth Revenue=-1.2%
EPS next Year (2027-12-31): EPS=11.13 | Chg7d=-0.131 | Chg30d=-0.164 | Revisions Net=-2 | Growth EPS=+15.4% | Growth Revenue=+3.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.7% (Discount Rate 9.8% - Earnings Yield 9.0%)
[Growth] Growth Spread = +1.0% (Analyst 1.7% - Implied 0.7%)
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