VOYA FINANCIAL INC (VOYA) Fundamental Analysis & Valuation

NYSE:VOYA • US9290891004

Current stock price

67.15 USD
+0.34 (+0.51%)
At close:
67.15 USD
0 (0%)
After Hours:

This VOYA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. VOYA Profitability Analysis

1.1 Basic Checks

  • In the past year VOYA was profitable.
  • VOYA had a positive operating cash flow in the past year.
  • In the past 5 years VOYA has always been profitable.
  • Each year in the past 5 years VOYA had a positive operating cash flow.
VOYA Yearly Net Income VS EBIT VS OCF VS FCFVOYA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.34%, VOYA is doing worse than 65.66% of the companies in the same industry.
  • VOYA has a better Return On Equity (12.38%) than 66.67% of its industry peers.
  • The Return On Invested Capital of VOYA (0.55%) is worse than 61.62% of its industry peers.
  • VOYA had an Average Return On Invested Capital over the past 3 years of 0.60%. This is significantly below the industry average of 8.22%.
Industry RankSector Rank
ROA 0.34%
ROE 12.38%
ROIC 0.55%
ROA(3y)0.37%
ROA(5y)0.53%
ROE(3y)14.02%
ROE(5y)16.31%
ROIC(3y)0.6%
ROIC(5y)0.76%
VOYA Yearly ROA, ROE, ROICVOYA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • VOYA has a Profit Margin (7.49%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of VOYA has declined.
  • With a Operating Margin value of 13.24%, VOYA perfoms like the industry average, outperforming 54.55% of the companies in the same industry.
  • In the last couple of years the Operating Margin of VOYA has grown nicely.
Industry RankSector Rank
OM 13.24%
PM (TTM) 7.49%
GM N/A
OM growth 3Y6.83%
OM growth 5Y10.58%
PM growth 3Y-2.21%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
VOYA Yearly Profit, Operating, Gross MarginsVOYA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60

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4

2. VOYA Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, VOYA has less shares outstanding
  • VOYA has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for VOYA has been reduced compared to a year ago.
VOYA Yearly Shares OutstandingVOYA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
VOYA Yearly Total Debt VS Total AssetsVOYA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of VOYA is 1.63, which is an excellent value as it means it would take VOYA, only 1.63 years of fcf income to pay off all of its debts.
  • VOYA has a Debt to FCF ratio of 1.63. This is in the better half of the industry: VOYA outperforms 72.73% of its industry peers.
  • VOYA has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.31, VOYA is in line with its industry, outperforming 59.60% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.63
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
VOYA Yearly LT Debt VS Equity VS FCFVOYA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VOYA Yearly Current Assets VS Current LiabilitesVOYA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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5

3. VOYA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.06% over the past year.
  • VOYA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.72% yearly.
  • Looking at the last year, VOYA shows a small growth in Revenue. The Revenue has grown by 1.73% in the last year.
  • The Revenue has been growing slightly by 1.16% on average over the past years.
EPS 1Y (TTM)17.06%
EPS 3Y5.11%
EPS 5Y22.72%
EPS Q2Q%38.57%
Revenue 1Y (TTM)1.73%
Revenue growth 3Y11.41%
Revenue growth 5Y1.16%
Sales Q2Q%5.02%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.21% on average over the next years. This is quite good.
  • VOYA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.59% yearly.
EPS Next Y13.24%
EPS Next 2Y13.8%
EPS Next 3Y13.71%
EPS Next 5Y10.21%
Revenue Next Year7.79%
Revenue Next 2Y6.37%
Revenue Next 3Y4.03%
Revenue Next 5Y2.59%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
VOYA Yearly Revenue VS EstimatesVOYA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B
VOYA Yearly EPS VS EstimatesVOYA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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7

4. VOYA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.59 indicates a rather cheap valuation of VOYA.
  • Based on the Price/Earnings ratio, VOYA is valued a bit cheaper than 73.74% of the companies in the same industry.
  • VOYA is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 6.70, the valuation of VOYA can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of VOYA indicates a somewhat cheap valuation: VOYA is cheaper than 75.76% of the companies listed in the same industry.
  • VOYA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.59
Fwd PE 6.7
VOYA Price Earnings VS Forward Price EarningsVOYA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • VOYA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. VOYA is cheaper than 92.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.84
EV/EBITDA N/A
VOYA Per share dataVOYA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • VOYA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as VOYA's earnings are expected to grow with 13.71% in the coming years.
PEG (NY)0.57
PEG (5Y)0.33
EPS Next 2Y13.8%
EPS Next 3Y13.71%

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6

5. VOYA Dividend Analysis

5.1 Amount

  • VOYA has a Yearly Dividend Yield of 2.49%.
  • Compared to an average industry Dividend Yield of 2.47, VOYA pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, VOYA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.49%

5.2 History

  • On average, the dividend of VOYA grows each year by 21.52%, which is quite nice.
  • VOYA has been paying a dividend for at least 10 years, so it has a reliable track record.
  • VOYA has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)21.52%
Div Incr Years4
Div Non Decr Years4
VOYA Yearly Dividends per shareVOYA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • VOYA pays out 35.73% of its income as dividend. This is a sustainable payout ratio.
  • VOYA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.73%
EPS Next 2Y13.8%
EPS Next 3Y13.71%
VOYA Yearly Income VS Free CF VS DividendVOYA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B
VOYA Dividend Payout.VOYA Dividend Payout, showing the Payout Ratio.VOYA Dividend Payout.PayoutRetained Earnings

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VOYA Fundamentals: All Metrics, Ratios and Statistics

VOYA FINANCIAL INC

NYSE:VOYA (3/20/2026, 8:27:29 PM)

After market: 67.15 0 (0%)

67.15

+0.34 (+0.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)05-04
Inst Owners109.67%
Inst Owner Change-1.43%
Ins Owners0.28%
Ins Owner Change6.52%
Market Cap6.23B
Revenue(TTM)8.19B
Net Income(TTM)613.00M
Analysts74.12
Price Target86.81 (29.28%)
Short Float %2.51%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 2.49%
Yearly Dividend2.31
Dividend Growth(5Y)21.52%
DP35.73%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-25
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.56%
Min EPS beat(2)-8.48%
Max EPS beat(2)7.36%
EPS beat(4)3
Avg EPS beat(4)10.82%
Min EPS beat(4)-8.48%
Max EPS beat(4)26.21%
EPS beat(8)7
Avg EPS beat(8)15.24%
EPS beat(12)8
Avg EPS beat(12)9.82%
EPS beat(16)12
Avg EPS beat(16)19.54%
Revenue beat(2)2
Avg Revenue beat(2)4.15%
Min Revenue beat(2)1.64%
Max Revenue beat(2)6.67%
Revenue beat(4)2
Avg Revenue beat(4)1.96%
Min Revenue beat(4)-0.25%
Max Revenue beat(4)6.67%
Revenue beat(8)6
Avg Revenue beat(8)4.23%
Revenue beat(12)7
Avg Revenue beat(12)2.73%
Revenue beat(16)8
Avg Revenue beat(16)0.64%
PT rev (1m)-1.67%
PT rev (3m)1.2%
EPS NQ rev (1m)-0.18%
EPS NQ rev (3m)-2.7%
EPS NY rev (1m)-2.43%
EPS NY rev (3m)-3.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 7.59
Fwd PE 6.7
P/S 0.76
P/FCF 4.84
P/OCF 4.84
P/B 1.26
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)8.85
EY13.18%
EPS(NY)10.02
Fwd EY14.92%
FCF(TTM)13.89
FCFY20.68%
OCF(TTM)13.89
OCFY20.68%
SpS88.28
BVpS53.4
TBVpS35.31
PEG (NY)0.57
PEG (5Y)0.33
Graham Number103.11
Profitability
Industry RankSector Rank
ROA 0.34%
ROE 12.38%
ROCE 0.61%
ROIC 0.55%
ROICexc 0.55%
ROICexgc 1.88%
OM 13.24%
PM (TTM) 7.49%
GM N/A
FCFM 15.73%
ROA(3y)0.37%
ROA(5y)0.53%
ROE(3y)14.02%
ROE(5y)16.31%
ROIC(3y)0.6%
ROIC(5y)0.76%
ROICexc(3y)0.61%
ROICexc(5y)0.77%
ROICexgc(3y)1.96%
ROICexgc(5y)2.29%
ROCE(3y)0.67%
ROCE(5y)0.84%
ROICexgc growth 3Y21.24%
ROICexgc growth 5Y21.39%
ROICexc growth 3Y11.47%
ROICexc growth 5Y12.08%
OM growth 3Y6.83%
OM growth 5Y10.58%
PM growth 3Y-2.21%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.63
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 9.43
Cash Conversion N/A
Profit Quality 210.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)234.36%
Profit Quality(5y)197.87%
High Growth Momentum
Growth
EPS 1Y (TTM)17.06%
EPS 3Y5.11%
EPS 5Y22.72%
EPS Q2Q%38.57%
EPS Next Y13.24%
EPS Next 2Y13.8%
EPS Next 3Y13.71%
EPS Next 5Y10.21%
Revenue 1Y (TTM)1.73%
Revenue growth 3Y11.41%
Revenue growth 5Y1.16%
Sales Q2Q%5.02%
Revenue Next Year7.79%
Revenue Next 2Y6.37%
Revenue Next 3Y4.03%
Revenue Next 5Y2.59%
EBIT growth 1Y-3.13%
EBIT growth 3Y19.02%
EBIT growth 5Y11.86%
EBIT Next Year5.35%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.24%
FCF growth 3Y-1.6%
FCF growth 5Y-1.11%
OCF growth 1Y-4.24%
OCF growth 3Y-1.6%
OCF growth 5Y-1.11%

VOYA FINANCIAL INC / VOYA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of VOYA FINANCIAL INC (VOYA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to VOYA.


What is the valuation status of VOYA FINANCIAL INC (VOYA) stock?

ChartMill assigns a valuation rating of 7 / 10 to VOYA FINANCIAL INC (VOYA). This can be considered as Undervalued.


Can you provide the profitability details for VOYA FINANCIAL INC?

VOYA FINANCIAL INC (VOYA) has a profitability rating of 4 / 10.


What is the financial health of VOYA FINANCIAL INC (VOYA) stock?

The financial health rating of VOYA FINANCIAL INC (VOYA) is 4 / 10.


What is the expected EPS growth for VOYA FINANCIAL INC (VOYA) stock?

The Earnings per Share (EPS) of VOYA FINANCIAL INC (VOYA) is expected to grow by 13.24% in the next year.