Voya Financial, Inc. provides workplace benefits, and savings solutions and technologies in the United States and internationally. The company operates through three segments: Retirement, Investment Management and Employee Benefits. The Retirement segment offers full-service retirement products; recordkeeping services; stable value and fixed general account investment products; non-qualified plan administration services; and tools, guidance, and services to promote the financial well-being …
Full VOYA-PB analysis →
Competitive advantage assessment
Key strengths
Strong Interest Coverage & Conservative LeverageDebt serviceability is strong (score 0.89), with robust interest coverage.
Consistent Cash GenerationCash generation is strong and consistent (score 0.95).
Key risks
Liquidity ConcernsLiquidity is concerning (score 0.00), raising questions about short-term obligations.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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How VOYA-PB scores on the Corporate Default defenses
Pricing Power
Score 72
· 20% of the moat score
Pricing power is the ability to raise prices without losing volume.
Cost Advantage
Score 88
· 15% of the moat score
A cost advantage means delivering the same product for structurally less — better purchasing, denser distribution, a more automated process.
Customer Stickiness
Score 90
· 15% of the moat score
Stickiness is what makes revenue repeat without being re-won every year.
Capital Efficiency
Score 84
· 18% of the moat score
Capital efficiency asks what the company earns on the money tied up in the business.
Resilience
Score 91
· 17% of the moat score
Resilience is the capacity to get through a bad year on its own terms — enough liquidity, enough interest cover, and enough cash generation to avoid a rescue financing or a forced sale.
Scale & Market Position
Score 59
· 15% of the moat score
Scale matters only when it converts into economics.
What is Voya Financial, Inc. Depositary's moat score?
Voya Financial, Inc. Depositary (VOYA-PB) scores 79 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as strong. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 322 companies in Financials: Shell/SPACs & Holding Companies. Its strongest defense is Resilience (91/100) and its weakest is Scale & Market Position (59/100).
How is the moat score calculated?
Each company is scored with an industry-specific template — Corporate Default in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 322 companies in Financials: Shell/SPACs & Holding Companies. The defenses are then weighted to produce the overall score out of 100.
Why is Voya Financial, Inc. Depositary scored with the Corporate Default template?
Most public companies sell a product or a service at a margin, so the moat question is whether that margin survives contact with competitors. The Corporate template scores the six defenses that show up in a general operating company's financial signature: whether it can hold price, produce more cheaply than rivals, keep its customers, earn a return above its cost of capital, withstand a downturn, and turn size into economics.
Which competitive defenses are measured for Voya Financial, Inc. Depositary?
The Corporate Default template measures 6 defenses, and VOYA-PB scores: Pricing Power (72), Cost Advantage (88), Customer Stickiness (90), Capital Efficiency (84), Resilience (91), Scale & Market Position (59). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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