(VOYA) Voya Financial - Ratings and Ratios
Retirement Plans, Insurance, Investment Services
Dividends
| Dividend Yield | 2.61% |
| Yield on Cost 5y | 3.35% |
| Yield CAGR 5y | 29.74% |
| Payout Consistency | 94.6% |
| Payout Ratio | 23.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 24.9% |
| Value at Risk 5%th | 40.6% |
| Relative Tail Risk | -0.90% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.38 |
| Alpha | -31.01 |
| CAGR/Max DD | 0.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.481 |
| Beta | 1.196 |
| Beta Downside | 1.390 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.55% |
| Mean DD | 9.25% |
| Median DD | 8.39% |
Description: VOYA Voya Financial November 05, 2025
Voya Financial (NYSE: VOYA) delivers workplace benefits, savings solutions, and investment technology across three operating segments: Wealth Solutions, Health Solutions, and Investment Management. The Wealth Solutions line focuses on retirement plan administration, stable-value and fixed-income products, and wealth-management services for a broad client base that includes corporations, schools, hospitals, and government entities. Health Solutions provides stop-loss, group life, disability, critical-illness, and other employee-benefit insurance products, plus related enrollment and wellness platforms. Investment Management offers fixed-income, equity, multi-asset, and alternative strategies to individuals, advisors, and institutional investors through direct and partner channels.
Key recent metrics (FY 2023) show Voya generated approximately $7.3 billion in revenue, with an operating margin of roughly 9 % and assets under management (AUM) of about $250 billion, reflecting modest growth despite a low-interest-rate environment that pressures stable-value returns. The company’s earnings per share (EPS) were $1.09, while its combined ratio in the health-insurance segment improved to 93 %, indicating better underwriting discipline.
Sector drivers that materially affect Voya include the aging U.S. workforce-projected to increase demand for retirement and health-benefit services-and the Federal Reserve’s monetary policy, which influences the pricing of fixed-income and stable-value products. Additionally, regulatory trends such as the SEC’s focus on fiduciary standards and potential changes to health-insurance risk-adjustment rules can create both compliance costs and competitive opportunities.
For a deeper quantitative view of Voya’s valuation and risk profile, consider reviewing its detailed financials and analyst metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (611.0m TTM) > 0 and > 6% of Revenue (6% = 471.4m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 489.5% (prev 481.1%; Δ 8.34pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 810.0m > Net Income 611.0m (YES >=105%, WARN >=100%) |
| Net Debt (1.94b) to EBITDA (1.05b) ratio: 1.84 <= 3.0 (WARN <= 3.5) |
| Current Ratio 66.63 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (97.0m) change vs 12m ago -3.39% (target <= -2.0% for YES) |
| Gross Margin 96.63% (prev 96.13%; Δ 0.50pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.56% (prev 4.71%; Δ -0.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.43 (EBITDA TTM 1.05b / Interest Expense TTM 230.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.47
| (A) 0.22 = (Total Current Assets 39.04b - Total Current Liabilities 586.0m) / Total Assets 177.45b |
| (B) 0.01 = Retained Earnings (Balance) 1.30b / Total Assets 177.45b |
| (C) 0.00 = EBIT TTM 788.0m / Avg Total Assets 172.19b |
| (D) -0.00 = Book Value of Equity -476.0m / Total Liabilities 170.37b |
| Total Rating: 1.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.28
| 1. Piotroski 4.0pt |
| 2. FCF Yield -4.45% |
| 3. FCF Margin 10.31% |
| 4. Debt/Equity 0.65 |
| 5. Debt/Ebitda 1.84 |
| 6. ROIC - WACC (= 1.36)% |
| 7. RoE 13.60% |
| 8. Rev. Trend 84.06% |
| 9. EPS Trend 3.60% |
What is the price of VOYA shares?
Over the past week, the price has changed by -0.77%, over one month by -3.94%, over three months by -5.59% and over the past year by -13.68%.
Is VOYA a buy, sell or hold?
- Strong Buy: 2
- Buy: 4
- Hold: 5
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the VOYA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 84.6 | 21.1% |
| Analysts Target Price | 84.6 | 21.1% |
| ValueRay Target Price | 70.2 | 0.6% |
VOYA Fundamental Data Overview December 03, 2025
P/E Trailing = 12.0803
P/E Forward = 6.7797
P/S = 0.8425
P/B = 1.3567
P/EG = 1.19
Beta = 0.895
Revenue TTM = 7.86b USD
EBIT TTM = 788.0m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 2.62b USD (from longTermDebt, last quarter)
Short Term Debt = 586.0m USD (from shortTermDebt, last quarter)
Debt = 3.21b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.94b USD (from netDebt column, last quarter)
Enterprise Value = -18.18b USD (6.81b + Debt 3.21b - CCE 28.21b)
Interest Coverage Ratio = 3.43 (Ebit TTM 788.0m / Interest Expense TTM 230.0m)
FCF Yield = -4.45% (FCF TTM 810.0m / Enterprise Value -18.18b)
FCF Margin = 10.31% (FCF TTM 810.0m / Revenue TTM 7.86b)
Net Margin = 7.78% (Net Income TTM 611.0m / Revenue TTM 7.86b)
Gross Margin = 96.63% ((Revenue TTM 7.86b - Cost of Revenue TTM 265.0m) / Revenue TTM)
Gross Margin QoQ = 96.84% (prev 96.82%)
Tobins Q-Ratio = -0.10 (set to none) (Enterprise Value -18.18b / Total Assets 177.45b)
Interest Expense / Debt = 1.87% (Interest Expense 60.0m / Debt 3.21b)
Taxrate = 11.40% (35.0m / 307.0m)
NOPAT = 698.2m (EBIT 788.0m * (1 - 11.40%))
Current Ratio = 66.63 (Total Current Assets 39.04b / Total Current Liabilities 586.0m)
Debt / Equity = 0.65 (Debt 3.21b / totalStockholderEquity, last quarter 4.96b)
Debt / EBITDA = 1.84 (Net Debt 1.94b / EBITDA 1.05b)
Debt / FCF = 2.39 (Net Debt 1.94b / FCF TTM 810.0m)
Total Stockholder Equity = 4.49b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 611.0m / Total Assets 177.45b)
RoE = 13.60% (Net Income TTM 611.0m / Total Stockholder Equity 4.49b)
RoCE = 11.07% (EBIT 788.0m / Capital Employed (Equity 4.49b + L.T.Debt 2.62b))
RoIC = 8.97% (NOPAT 698.2m / Invested Capital 7.78b)
WACC = 7.61% (E(6.81b)/V(10.02b) * Re(10.42%) + D(3.21b)/V(10.02b) * Rd(1.87%) * (1-Tc(0.11)))
Discount Rate = 10.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.79%
[DCF Debug] Terminal Value 69.57% ; FCFE base≈1.14b ; Y1≈1.11b ; Y5≈1.11b
Fair Price DCF = 142.1 (DCF Value 13.52b / Shares Outstanding 95.2m; 5y FCF grow -3.79% → 3.0% )
EPS Correlation: 3.60 | EPS CAGR: -1.43% | SUE: -0.64 | # QB: 0
Revenue Correlation: 84.06 | Revenue CAGR: 5.85% | SUE: -0.57 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.23 | Chg30d=+0.038 | Revisions Net=+3 | Analysts=10
EPS next Year (2026-12-31): EPS=10.20 | Chg30d=-0.094 | Revisions Net=-4 | Growth EPS=+13.1% | Growth Revenue=+5.8%
Additional Sources for VOYA Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle