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

  • VOYA had positive earnings in the past year.
  • VOYA had a positive operating cash flow in the past year.
  • VOYA had positive earnings in each of the past 5 years.
  • VOYA had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of VOYA (0.34%) is worse than 67.35% of its industry peers.
  • VOYA has a Return On Equity of 12.38%. This is in the better half of the industry: VOYA outperforms 66.33% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.55%, VOYA is doing worse than 62.24% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for VOYA 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's Profit Margin of 7.49% is in line compared to the rest of the industry. VOYA outperforms 47.96% of its industry peers.
  • VOYA's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 13.24%, VOYA perfoms like the industry average, outperforming 54.08% 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

  • The number of shares outstanding for VOYA has been reduced compared to 1 year ago.
  • The number of shares outstanding for VOYA has been reduced compared to 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

  • VOYA has a debt to FCF ratio of 1.63. This is a very positive value and a sign of high solvency as it would only need 1.63 years to pay back of all of its debts.
  • VOYA's Debt to FCF ratio of 1.63 is fine compared to the rest of the industry. VOYA outperforms 72.45% of its industry peers.
  • A Debt/Equity ratio of 0.31 indicates that VOYA is not too dependend on debt financing.
  • VOYA has a Debt to Equity ratio of 0.31. This is comparable to the rest of the industry: VOYA outperforms 58.16% of its industry peers.
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

  • VOYA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.06%, which is quite good.
  • The Earnings Per Share has been growing by 22.72% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 1.73% in the past year.
  • Measured over the past years, VOYA shows a small growth in Revenue. The Revenue has been growing by 1.16% on average per year.
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

  • VOYA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.21% yearly.
  • Based on estimates for the next years, VOYA will show a small growth in Revenue. The Revenue will grow by 2.59% on average per year.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 74.49% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. VOYA is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 6.70 indicates a rather cheap valuation of VOYA.
  • Based on the Price/Forward Earnings ratio, VOYA is valued a bit cheaper than the industry average as 79.59% of the companies are valued more expensively.
  • VOYA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
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

  • Based on the Price/Free Cash Flow ratio, VOYA is valued cheaply inside the industry as 92.86% of the companies are valued more expensively.
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

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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. VOYA Dividend Analysis

5.1 Amount

  • VOYA has a Yearly Dividend Yield of 2.49%.
  • VOYA's Dividend Yield is a higher than the industry average which is at 2.61.
  • VOYA's Dividend Yield is a higher than the S&P500 average which is at 1.91.
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 paid a dividend for at least 10 years, which is 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

  • 35.73% of the earnings are spent on dividend by VOYA. This is a low number and 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 Change6.21%
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)-0.48%
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)0.42%
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.