Voya Financial, Inc. VOYA

Competitive advantage analysis · financial-services

Corporate Default
Overall moat score
65/100
Moderate

Ranked against 322 peers in Financials: Shell/SPACs & Holding Companies

About Voya Financial, Inc.

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 analysis →

Key strengths

  • Revenue Growth Consistent Revenue growth volatility is low (stability score 0.75), suggesting sticky customer base.
  • Cash Generation Consistent Cash generation is consistent (score 0.95), indicating reliable business model.

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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Pricing Power

Moderate
61
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Cost Advantage

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Signals, strengths and risks for Customer Stickiness

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Resilience

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Signals, strengths and risks for Scale & Market Position

Where VOYA ranks in Financials: Shell/SPACs & Holding Companies

Voya Financial, Inc. ranks #31 of 322 scored companies in Financials: Shell/SPACs & Holding Companies by moat score — the top 10%. The widest moat in the group is AI TRANSPORTATION ACQUISITION C (AITR) at 97/100.

# Company Moat score Rating
27 B. Riley Financial, Inc. - Depo RILYL 65/100 Moderate
28 Spring Valley Acquisition Corp. SVII 65/100 Moderate
29 Spring Valley Acquisition Corp. SVIIU 65/100 Moderate
30 Spring Valley Acquisition Corp. SVIIW 65/100 Moderate
31 Voya Financial, Inc. VOYA 65/100 Moderate
32 B. Riley Financial, Inc. RILY 65/100 Moderate
33 byNordic Acquisition Corporatio BYNOW 64/100 Moderate
34 Valuence Merger Corp. I VMCAU 63/100 Moderate
35 byNordic Acquisition Corporatio BYNO 63/100 Moderate

See every General Corporate company ranked by moat score →

How VOYA scores on the Corporate Default defenses

Pricing Power

Score 61 · 20% of the moat score

Pricing power is the ability to raise prices without losing volume.

Cost Advantage

Score 66 · 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 87 · 15% of the moat score

Stickiness is what makes revenue repeat without being re-won every year.

Capital Efficiency

Score 57 · 18% of the moat score

Capital efficiency asks what the company earns on the money tied up in the business.

Resilience

Score 73 · 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 49 · 15% of the moat score

Scale matters only when it converts into economics.

How each Corporate Default defense is measured, in full →

Understanding VOYA's moat

What is Voya Financial, Inc.'s moat score?

Voya Financial, Inc. (VOYA) scores 65 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #31 of 322 scored companies in Financials: Shell/SPACs & Holding Companies, the top 10%. 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 Customer Stickiness (87/100) and its weakest is Scale & Market Position (49/100).

How does Voya Financial, Inc. compare with other Financials: Shell/SPACs & Holding Companies companies?

Voya Financial, Inc. ranks #31 of 322 scored companies in Financials: Shell/SPACs & Holding Companies by moat score. The widest moat in Financials: Shell/SPACs & Holding Companies is AI TRANSPORTATION ACQUISITION C (AITR) at 97/100. The companies ranked closest are Spring Valley Acquisition Corp. (SVIIW) at 65 just above it and B. Riley Financial, Inc. (RILY) at 65 just below it.

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. 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.?

The Corporate Default template measures 6 defenses, and VOYA scores: Pricing Power (61), Cost Advantage (66), Customer Stickiness (87), Capital Efficiency (57), Resilience (73), Scale & Market Position (49). 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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