Stock Analysis
VOYA FINANCIAL, INC.VOYA
P/E 14.01×· 5Y range 8.35–16.18×· top 14% of history
Sector: Financial Services · Industry: Life Insurance
AnalystsBuy19 analystsP/E 14.0× sits at the 86th percentile of its 5.0513347022587265-year history.
Cash covers 71% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, expensive valuation
Risks
- Valuation70
- Growth45
Mixed fundamentals at a demanding price.
Bull Case
- ✓Revenue CAGR 18.0% — durable top-line growth
What's happening with VOYA
Profile
moat, growth, earnings quality and profitability lag behind.
How is each axis scored?
- Valuation70/100 · Moderate
- P/E vs own history (86th pct)0/25
- FCF yield (13.6%)25/25
- P/S (1.0x)25/25
- EV/EBIT (10.5x)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 (54.1%)25/25
- Profitability49/100 · Weak
- ROIC (12.3%)12/25
- ROE (12.3%)12/25
- Net margin (7.4%)13/25
- Operating margin (10.6%)12/25
- Financial Health58/100 · Moderate
- Altman Z (0.10)3/25
- Current ratio (50.89)25/25
- Interest coverage (4.4x)10/25
- Net cash / debt (D/A 0%)20/25
- Quality47/100 · Weak
- Piotroski F (5/9)15/25
- Beneish M (-2.41)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 12.4%)12/25
- Moat6/100 · Weak
- ROIC >12% years (2/5 yrs)6/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst -34.7%)0/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠4 loss-making years in recent history
- ⚠P/E 14.0× at top 14% of 5-year history
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
70B+P/E (TTM)14.0xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 8.3x–16.2x · 86th pct
P/FCF7.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.6%A
Grade A: ValueLatest stored TTM FCF / Market Cap — vs own 5Y history: 13.0%–13.6% · 90th pct
P/S (TTM)1.04xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.7x–1.5x · 46th pct
EV/EBIT10.5xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.1x–16.9x · 16th pct
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 Ratio1.72xA
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 Yield2.54%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio36.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
49D+ROIC12.3%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.3%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 Margin7.4%C
Grade C: AverageNet Income / Revenue
Operating Margin10.6%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 Growth54.1%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income11.8%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-Score0.10D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio50.89xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio50.89xA
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/EBIT0.7xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.42xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.71xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
47D+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 Stability12.4%C
Grade C: AverageEBIT 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
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
GILLIS RUTH ANN M Filed | GILLIS RUTH ANN M | Grant / award | +89 | |
Keshavan Santhosh Filed | Keshavan Santhosh | Option exercise | -35587 | |
Keshavan Santhosh Filed | Keshavan Santhosh | Option exercise | +35.6K | |
Keshavan Santhosh Filed | Keshavan Santhosh | SellOpen market sale | -17793 | |
Keshavan Santhosh Filed | Keshavan Santhosh | SellOpen market sale | -17794 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Thompson Brannigan C Filed | Thompson Brannigan C | Option exercise | -1645 | |
Thompson Brannigan C Filed | Thompson Brannigan C | Tax withholding | -730 | |
Thompson Brannigan C Filed | Thompson Brannigan C | Option exercise | +1.6K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
6EROIC >12% Years2/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor-34.7%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$6.71
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$8.73
Cash & short-term investments per share (Finnhub)
Book Value / Share$51.72
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.10B
Total debt obligations (short + long term)
Cash & Equiv.$1.49B
Cash and short-term investments
Net Debt$611.00M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.95B
Shareholders' equity (book value)
Asset / Liability1.04xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$8.52B
Current Market Capitalization
Beta0.85B
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: VOYA FINANCIAL, INC. (VOYA)
VOYA is down 1.17% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for VOYA FINANCIAL, INC.. Altman Z-Score of 0.10 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).
- At a valuation score of 70/100, VOYA trades near the cheapest end of its own historical range (P/E 14.0).
- The stock currently yields 2.5% in dividends.
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 |
|---|---|---|---|---|
| Oct 5 | Regular | 98.67 | +2.08% | 2.09 |
| 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 $94.01 at the last market close, down 1.17% 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 14.0 and our valuation score rates it 70/100 (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 $94.01, down 1.17% on the day with a market capitalization of $8.5 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 6 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.