VOYA

Voya Financial, Inc.

Fundamental data last updated:September 8, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Conglomerates

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Voya Financial, Inc. operates as a retirement, investment, and employee benefits company in the United States. The company's Wealth Solutions segment offers tax-deferred employer-sponsored retirement savings plans and administrative services; and individual retirement accounts, and other retail financial products and services, as well as financial planning and advisory services. This segment serves corporate, education, healthcare, and other non-profit and government entities, as well as institutional and individual customers. Its Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors and institutional clients through its direct sales force, consultant channel, banks, broker-dealers, and independent financial advisers. The company's Health Solutions segment offers stop loss, group life, voluntary employee-paid, and disability products through consultants, brokers, third-party administrators, enrollment firms, and technology partners to mid-sized and large businesses. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was incorporated in 1999 and is based in New York, New York.

 


VALUATION

P/E

11.47

Market Cap ($M USD)

$7.36B

Forward P/E

6.52

PEG

0.09

PRICE TO SALES

3.93

PRICE TO BOOK

1.67

EV / EBITDA

8.06

5-Year Average P/E

Free Cash Flow Yield

19.43%

DCF Value

$252.09

Graham Number

$87.94

Price to FCF

5.15

EV to FCF

6.22

Earnings Yield

8.72%

FCF Yield

19.43%

DIVIDEND

Yield

2.29%

Annual Payout

$1.86

Payout Ratio

32.35%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$7.08

Next Year EPS Growth Estimate

$12.45

Next Year Revenue Growth Estimate

$8.48B

Return on Equity (ROE)

14.17%

FREE CASH FLOW

Operating Margin

47.76%

Debt-to-Equity

0.42

Piotroski F-Score

6

Altman Z-Score

0.15

Return on Invested Capital (ROIC)

0.52%

Current Ratio

41.20

Quick Ratio

41.20

Net Debt to EBITDA

1.39

Interest Coverage

4.28

Gross Profit margin

90.38%

FCF PER SHARE

$14.91

REVENUE PER SHARE

$19.50

Gainseekers Quantitative Analysis

Summary

Voya Financial’s valuation presents a compelling opportunity for deep value investors. With a DCF value significantly higher than recent pricing, the market appears to be undervaluing the stock. The Forward P/E of 6.37 and a PEG ratio of 0.08 suggest robust growth potential at a bargain price. However, the Altman Z-score of 0.15 raises red flags about financial distress, indicating potential risks. Despite these concerns, the earnings yield of 8.68% highlights attractive returns relative to its current valuation.

AI Exposure / Tech Reliance

Operating within the Financial Services sector, Voya Financial is well-positioned to leverage AI and technological advancements. The industry is increasingly integrating AI for risk assessment and customer service, areas where Voya can enhance efficiency. Their adaptability in a tech-driven landscape will be crucial for maintaining competitive advantage.

The Bull Case

For value and GARP investors, Voya Financial offers a tantalizing proposition. The company's ROIC of 0.52% and FCF yield of 18.91% underscore its capital efficiency and cash generation prowess. A Piotroski F-Score of 6 indicates solid financial health, while an operating margin of 47.76% showcases strong pricing power. These metrics collectively paint a picture of a company capable of delivering sustained shareholder value.

The Bear Case

Despite its strengths, Voya Financial faces notable challenges. The Price/Book ratio of 1.68 and Price/Sales of 4.04 suggest the stock might be overvalued relative to its book and sales values. Additionally, with the stock trading close to its 52-week high, there is a risk of technical overextension. The low Altman Z-score further amplifies concerns about potential financial instability.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$90.67

Institutional Ownership %

1-Year Beta

0.93

Insider Buying % (6 Mo)

Distance to 52-Week High

3.42%

Distance to 52-Week Low

20.59%

EARNINGS SURPRISE %

11.88%

50-DAY SMA

$75.87

200-DAY SMA

$74.20

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.