(VOYA) Voya Financial - Ratings and Ratios
Retirement Plans, Insurance Coverages, Investment Products
VOYA EPS (Earnings per Share)
VOYA Revenue
Description: VOYA Voya Financial
Voya Financial, Inc. (NYSE:VOYA) is a leading provider of workplace benefits, savings solutions, and technologies in the United States and internationally, operating through three main segments: Wealth Solutions, Health Solutions, and Investment Management. The companys diverse offerings cater to various clients, including corporate, public, and private institutions, as well as individual customers.
The Wealth Solutions segment is a key revenue driver, providing full-service retirement products, recordkeeping services, and investment products, as well as wealth management services, such as individual retirement accounts and financial guidance. This segments performance can be measured by metrics like Assets Under Management (AUM) and revenue growth. With a strong presence in the retirement savings market, Voyas Wealth Solutions segment is well-positioned to capitalize on the growing demand for retirement planning services.
The Health Solutions segment offers a range of insurance products, including stop loss, group life, and disability insurance, as well as worksite employee benefits and health account solutions. This segments performance is driven by factors like premium revenue growth, loss ratio, and customer retention. As a major player in the health insurance market, Voyas Health Solutions segment is exposed to trends like rising healthcare costs and changing regulatory requirements.
The Investment Management segment provides a range of investment products, including fixed income, equity, and alternative investments, to individual and institutional clients. This segments performance is driven by metrics like AUM, revenue growth, and investment performance. With a strong track record of delivering consistent investment returns, Voyas Investment Management segment is an attractive option for investors seeking diversified investment solutions.
From a financial perspective, Voya Financials key performance indicators (KPIs) include Return on Equity (RoE) of 13.34%, indicating a relatively strong profitability profile. The companys Price-to-Earnings (P/E) ratio of 13.53 and Forward P/E of 9.17 suggest a reasonable valuation relative to earnings growth expectations. Additionally, the companys Market Capitalization of $6.97 billion indicates a moderate size, allowing for a balance between scale and agility.
VOYA Stock Overview
| Market Cap in USD | 7,240m |
| Sub-Industry | Diversified Financial Services |
| IPO / Inception | 2013-05-02 |
VOYA Stock Ratings
| Growth Rating | 22.9% |
| Fundamental | 68.8% |
| Dividend Rating | 69.0% |
| Return 12m vs S&P 500 | -13.1% |
| Analyst Rating | 3.58 of 5 |
VOYA Dividends
| Dividend Yield 12m | 2.44% |
| Yield on Cost 5y | 3.99% |
| Annual Growth 5y | 23.16% |
| Payout Consistency | 98.5% |
| Payout Ratio | 25.6% |
VOYA Growth Ratios
| Growth Correlation 3m | 77.9% |
| Growth Correlation 12m | -33.8% |
| Growth Correlation 5y | 76.7% |
| CAGR 5y | 8.85% |
| CAGR/Max DD 3y | 0.26 |
| CAGR/Mean DD 3y | 1.13 |
| Sharpe Ratio 12m | 0.24 |
| Alpha | -9.72 |
| Beta | 0.663 |
| Volatility | 23.98% |
| Current Volume | 845.3k |
| Average Volume 20d | 684.7k |
| Stop Loss | 74.7 (-3.1%) |
| Signal | 0.04 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (533.0m TTM) > 0 and > 6% of Revenue (6% = 466.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.09pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 150.5% (prev 27.71%; Δ 122.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 1.36b > Net Income 533.0m (YES >=105%, WARN >=100%) |
| Net Debt (925.0m) to EBITDA (1.01b) ratio: 0.91 <= 3.0 (WARN <= 3.5) |
| Current Ratio 27.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (98.0m) change vs 12m ago -4.20% (target <= -2.0% for YES) |
| Gross Margin 98.25% (prev 99.46%; Δ -1.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.83% (prev 5.16%; Δ -0.33pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.51 (EBITDA TTM 1.01b / Interest Expense TTM 239.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.50
| (A) 0.07 = (Total Current Assets 12.14b - Total Current Liabilities 447.0m) / Total Assets 172.44b |
| (B) 0.01 = Retained Earnings (Balance) 1.17b / Total Assets 172.44b |
| (C) 0.01 = EBIT TTM 838.0m / Avg Total Assets 161.07b |
| (D) -0.01 = Book Value of Equity -896.0m / Total Liabilities 165.88b |
| Total Rating: 0.50 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 68.77
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 14.68% = 5.0 |
| 3. FCF Margin 17.51% = 4.38 |
| 4. Debt/Equity 0.69 = 2.27 |
| 5. Debt/Ebitda 3.17 = -1.98 |
| 6. ROIC - WACC 3.83% = 4.79 |
| 7. RoE 12.02% = 1.00 |
| 8. Rev. Trend 73.19% = 5.49 |
| 9. EPS Trend -13.38% = -0.67 |
What is the price of VOYA shares?
Over the past week, the price has changed by +1.77%, over one month by +4.80%, over three months by +14.04% and over the past year by +3.29%.
Is Voya Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of VOYA is around 76.69 USD . This means that VOYA is currently overvalued and has a potential downside of -0.52%.
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 | 83.3 | 8% |
| Analysts Target Price | 83.3 | 8% |
| ValueRay Target Price | 83.7 | 8.5% |
Last update: 2025-09-03 04:50
VOYA Fundamental Data Overview
CCE Cash And Equivalents = 1.18b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.8399
P/E Forward = 9.4429
P/S = 0.9146
P/B = 1.5641
P/EG = 1.19
Beta = 0.984
Revenue TTM = 7.77b USD
EBIT TTM = 838.0m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 2.76b USD (from longTermDebt, last quarter)
Short Term Debt = 447.0m USD (from shortTermDebt, last quarter)
Debt = 3.21b USD (Calculated: Short Term 447.0m + Long Term 2.76b)
Net Debt = 925.0m USD (from netDebt column, last quarter)
Enterprise Value = 9.27b USD (7.24b + Debt 3.21b - CCE 1.18b)
Interest Coverage Ratio = 3.51 (Ebit TTM 838.0m / Interest Expense TTM 239.0m)
FCF Yield = 14.68% (FCF TTM 1.36b / Enterprise Value 9.27b)
FCF Margin = 17.51% (FCF TTM 1.36b / Revenue TTM 7.77b)
Net Margin = 6.86% (Net Income TTM 533.0m / Revenue TTM 7.77b)
Gross Margin = 98.25% ((Revenue TTM 7.77b - Cost of Revenue TTM 136.0m) / Revenue TTM)
Tobins Q-Ratio = -10.34 (set to none) (Enterprise Value 9.27b / Book Value Of Equity -896.0m)
Interest Expense / Debt = 0.87% (Interest Expense 28.0m / Debt 3.21b)
Taxrate = 7.13% (57.0m / 799.0m)
NOPAT = 778.2m (EBIT 838.0m * (1 - 7.13%))
Current Ratio = 27.17 (Total Current Assets 12.14b / Total Current Liabilities 447.0m)
Debt / Equity = 0.69 (Debt 3.21b / last Quarter total Stockholder Equity 4.63b)
Debt / EBITDA = 3.17 (Net Debt 925.0m / EBITDA 1.01b)
Debt / FCF = 2.36 (Debt 3.21b / FCF TTM 1.36b)
Total Stockholder Equity = 4.43b (last 4 quarters mean)
RoA = 0.31% (Net Income 533.0m, Total Assets 172.44b )
RoE = 12.02% (Net Income TTM 533.0m / Total Stockholder Equity 4.43b)
RoCE = 11.65% (Ebit 838.0m / (Equity 4.43b + L.T.Debt 2.76b))
RoIC = 9.94% (NOPAT 778.2m / Invested Capital 7.83b)
WACC = 6.11% (E(7.24b)/V(10.45b) * Re(8.46%)) + (D(3.21b)/V(10.45b) * Rd(0.87%) * (1-Tc(0.07)))
Shares Correlation 3-Years: -68.70 | Cagr: -0.74%
Discount Rate = 8.46% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.64% ; FCFE base≈1.34b ; Y1≈1.42b ; Y5≈1.69b
Fair Price DCF = 283.2 (DCF Value 27.31b / Shares Outstanding 96.4m; 5y FCF grow 6.38% → 3.0% )
EPS Correlation: -13.38 | EPS CAGR: 1.56% | SUE: 0.68 | # QB: False
Revenue Correlation: 73.19 | Revenue CAGR: 11.72%
Additional Sources for VOYA Stock
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