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Company Analysis

Voya Financial, Inc. VOYA

A comprehensive view of key metrics, scores, and financial health for Voya Financial, Inc.

Overview of Voya Financial, Inc.

VOYA NYQ
Financial Services Financial Conglomerates Framework: Banks & Lenders Mid Cap
Voya Financial, Inc. (VOYA), is a Mid Cap company, in the Financial Conglomerates industry, last closed at $98.25, about 46.2% undervalued vs fair value, +41.3% 1Y return, ranked 379/1078 in sector.
Metrics P/E 11.8× Rev Growth 1.2% ROE 14.6% Gross Margin 48.7% Div Yield 3.09%
USD 98.25
-0.37%
(Delayed)
• Vol 90d: 22.6%
52-Week Range
Market Cap
$8.75B
Enterprise Value
$11.34B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.voya.com
HQ New York, NY
Employees 11,000
Fiscal year Dec 31

Next Events

Earnings Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$127
$144
$161
Current: $98.25 +46% vs base

Engine Room Money Flow™

Mid Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$8.0B
1.2%%
Gross Profit
$3.9B
0.2%%
Operating Income
$261.0M
-67.3%%
Net Income
$654.0M
-1.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio FY2025
196.9%
Excellent

Operating Cash Flow / Net Income

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$922.0M
71.6% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Voya Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
32
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
37
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing VOYA's balance between Growth (32.8%), Profitability (15.9%), and Safety (51.4%). Growth 33% Safety 51% Profitability 16%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

46th percentile vs peers
46
Key Signals
Revenue CAGR 3Y 11.2% 76p EPS CAGR 3Y 13.4% 79p EPS Growth YoY 1.9% 27p Rev Growth YoY 1.2% 17p TSR 11.6% 44p
Strengths
  • Interest Coverage Ratio in top 20% of peers (4.39, 95th percentile)
  • Current Ratio in top 20% of peers (20.38, 91th percentile)
  • Quick Ratio in top 20% of peers ($77.4K, 99th percentile)
  • Cash Flow to Debt Ratio in top 20% of peers (15.15, 98th percentile)
Risks
  • Rev Growth YoY in bottom 20% of peers (1.2%)

Profitability

22th percentile vs peers
22
Key Signals
Strengths
Risks
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Safety

72th percentile vs peers
72
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Voya Financial, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$143.66
- - -
+46.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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