VOYA FINANCIAL, INC. (VOYA) Stock Analysis
Sector: Financial Services · Industry: Life Insurance
AnalystsBuy19 analystsStrengths
- ✓Revenue CAGR 18.0% — durable top-line growth
Risks
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠4 loss-making years in recent history
What's happening with VOYA
Price History
5-Year Weekly Candlestick Chart
Profile
earnings quality, growth and profitability lag behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (n/a)10/25
- FCF yield (n/a)10/25
- P/S (1.1x)25/25
- EV/EBIT (11.1x)20/25
- Growth45/100 · Weak
- Revenue CAGR (18.0%)20/25
- Net income CAGR (-25.5%)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (61.5%)25/25
- Profitability49/100 · Weak
- ROIC (12.1%)12/25
- ROE (14.6%)12/25
- Net margin (8.2%)13/25
- Operating margin (10.8%)12/25
- Financial Health58/100 · Moderate
- Altman Z (0.05)3/25
- Current ratio (6.93)25/25
- Interest coverage (4.4x)10/25
- Net cash / debt (D/A 1%)20/25
- Quality41/100 · Weak
- Piotroski F (5/9)15/25
- Beneish M (-2.41)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 22.6%)6/25
About VOYA FINANCIAL, INC.
Voya Financial Inc is a financial services company, which, through its subsidiaries, provides various investment, insurance, and retirement solutions to individual and institutional clients in the United States. Show more
Its products and services include tax savings plans, individual retirement accounts, group life insurance plans, and employee benefits products, among others. The company tailors each of its products to the needs of its customer base. It operates its business through three principal lines: Retirement, Investment Management and Employee Benefits.The majority revenue is from Retirement segment.
Headquarters: NEW YORK, NY · Employees: 11,000 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
65BP/E (TTM)14.7xA
Grade A: CheapPrice / TTM EPS (own statements)
P/FCF7.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield14.0%A
Grade A: ValueTTM FCF / Market Cap
P/S (TTM)1.05xA
Grade A: CheapPrice / TTM Revenue (own statements)
EV/EBIT11.1xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral
EV/Sales1.2xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.1xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.87xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.17B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.50%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio33.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
49D+ROIC12.1%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE14.6%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA0.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin8.2%C
Grade C: AverageNet Income / Revenue
Operating Margin10.8%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
45D+Revenue CAGR18.0%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-25.5%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth61.5%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income10.6%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.9%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
58CAltman Z-Score0.05D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio6.93xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio6.93xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage4.4xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT1.3xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.54xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.52xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
41D+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.41A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability22.6%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.05xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$6.54
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$10.36
Cash & short-term investments per share (Finnhub)
Book Value / Share$52.78
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.50B
Total debt obligations (short + long term)
Cash & Equiv.$1.31B
Cash and short-term investments
Net Debt$1.19B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.66B
Shareholders' equity (book value)
Asset / Liability1.04xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$8.70B
Current Market Capitalization
Beta0.86B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 28, 2026
Key Insights: VOYA FINANCIAL, INC. (VOYA)
Piotroski F-Score of 5/9 indicates mixed fundamentals for VOYA FINANCIAL, INC.. Altman Z-Score of 0.05 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.41 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 18% annually — a strong growth profile.
- VOYA FINANCIAL, INC. posted a net loss in 4 of 10 available completed fiscal years (2016–2025).
- The stock currently yields 2.5% in dividends.
Insider Transactions
Recent SEC Form 4 filings · 8 records
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Keshavan Santhosh Filed | Keshavan Santhosh | SellOption exercise | -35587 | |
Keshavan Santhosh Filed | Keshavan Santhosh | BuyOption exercise | +35.6K | |
Keshavan Santhosh Filed | Keshavan Santhosh | SellOpen market sale | -17793 | |
Keshavan Santhosh Filed | Keshavan Santhosh | SellOpen market sale | -17794 | |
Thompson Brannigan C Filed | Thompson Brannigan C | SellOption exercise | -1645 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Thompson Brannigan C Filed | Thompson Brannigan C | SellTax withholding | -730 | |
Thompson Brannigan C Filed | Thompson Brannigan C | BuyOption exercise | +1.6K | |
GILLIS RUTH ANN M Filed | GILLIS RUTH ANN M | BuyGrant / award | +79 |
See how VOYA ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all VOYA moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 24 | Pre-market | 100.60 | +3.32% | 2.74 |
| Sep 22 | Regular | 97.88 | -2.64% | -2.28 |
| Sep 22 | After-hours | 97.35 | -3.16% | -2.73 |
Frequently Asked Questions about VOYA
What is the current VOYA FINANCIAL, INC. (VOYA) stock price?
VOYA is trading at $95.98 in after-hours trading, up 0.00% on the session. PreMarketPrice tracks VOYA pre-market, intraday and after-hours prices.
Is VOYA stock a buy right now?
PreMarketPrice's quantitative model rates VOYA FINANCIAL, INC.'s financial health at 58/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is VOYA stock overvalued?
VOYA FINANCIAL, INC. trades at a trailing P/E of 14.7 and our valuation score rates it 65/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does VOYA FINANCIAL, INC. report earnings?
No confirmed earnings date is currently scheduled for VOYA. The Earnings section lists recent reports and updates as dates are announced.
What sector does VOYA FINANCIAL, INC. operate in?
VOYA FINANCIAL, INC. operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does VOYA FINANCIAL, INC. do?
Voya Financial Inc is a financial services company, which, through its subsidiaries, provides various investment, insurance, and retirement solutions to individual and institutional clients in the United States.
About VOYA FINANCIAL, INC. (VOYA) Stock
VOYA FINANCIAL, INC. (VOYA) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. As of the latest update, VOYA FINANCIAL, INC. is trading at $95.98, up 0.00% on the day with a market capitalization of $8.7 billion. The financial health score for VOYA is 58/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for VOYA stock.
VOYA Stock Analysis & Key Metrics
On PreMarketPrice, you can track VOYA FINANCIAL, INC. (VOYA) across multiple dimensions:
- Pre-market price & movement: Real-time VOYA stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for VOYA with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for VOYA FINANCIAL, INC. across multiple reporting periods.
- Financial health score: A composite score of 58/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for VOYA.
- Sector peers: Compare VOYA against 10 other financial services stocks on key financial metrics.
Is VOYA a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate VOYA FINANCIAL, INC. (VOYA) as an investment. The financial health score of 58/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.VOYA FINANCIAL, INC. (VOYA) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.