VOYA FINANCIAL INC (VOYA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:VOYA - US9290891004 - Common Stock
74.54 USD
-3.78 (-4.83%)
74.54 USD
0 (0%)
Overall VOYA gets a fundamental rating of 4 out of 10. We evaluated VOYA against 98 industry peers in the Financial Services industry. VOYA has a bad profitability rating. Also its financial health evaluation is rather negative. VOYA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year VOYA was profitable.
- In the past year VOYA had a positive cash flow from operations.
- VOYA had positive earnings in 4 of the past 5 years.
- VOYA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- VOYA's Return On Assets of 0.32% is on the low side compared to the rest of the industry. VOYA is outperformed by 64.29% of its industry peers.
- VOYA has a better Return On Equity (11.50%) than 63.27% of its industry peers.
- With a Return On Invested Capital value of 0.48%, VOYA is not doing good in the industry: 63.27% of the companies in the same industry are doing better.
- Measured over the past 3 years, the Average Return On Invested Capital for VOYA is significantly below the industry average of 8.44%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.32% | ||
| ROE | 11.5% | ||
| ROIC | 0.48% |
ROA(3y)0.36%
ROA(5y)0.43%
ROE(3y)14.61%
ROE(5y)13.35%
ROIC(3y)0.48%
ROIC(5y)0.62%
1.3 Margins
- VOYA has a Profit Margin (7.05%) which is comparable to the rest of the industry.
- VOYA's Profit Margin has declined in the last couple of years.
- VOYA has a Operating Margin (13.28%) which is comparable to the rest of the industry.
- VOYA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.28% | ||
| PM (TTM) | 7.05% | ||
| GM | N/A |
OM growth 3Y-42.03%
OM growth 5Y4.28%
PM growth 3Y-46%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- VOYA has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, VOYA has less shares outstanding
- The debt/assets ratio for VOYA is higher compared to a year ago.
2.2 Solvency
- VOYA has a debt to FCF ratio of 2.60. This is a good value and a sign of high solvency as VOYA would need 2.60 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 2.60, VOYA is doing good in the industry, outperforming 70.41% of the companies in the same industry.
- A Debt/Equity ratio of 0.31 indicates that VOYA is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.31, VOYA perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- VOYA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.68%.
- VOYA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.08% yearly.
- VOYA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.91%.
- Measured over the past years, VOYA shows a small growth in Revenue. The Revenue has been growing by 1.31% on average per year.
EPS 1Y (TTM)6.68%
EPS 3Y-3.34%
EPS 5Y11.08%
EPS Q2Q%15.57%
Revenue 1Y (TTM)2.91%
Revenue growth 3Y23.9%
Revenue growth 5Y1.31%
Sales Q2Q%8.79%
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 13.38% yearly.
- Based on estimates for the next years, VOYA will show a small growth in Revenue. The Revenue will grow by 3.34% on average per year.
EPS Next Y21.49%
EPS Next 2Y17.31%
EPS Next 3Y15.32%
EPS Next 5Y13.38%
Revenue Next Year3.71%
Revenue Next 2Y4.36%
Revenue Next 3Y4.27%
Revenue Next 5Y3.34%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.97, the valuation of VOYA can be described as reasonable.
- 66.33% of the companies in the same industry are more expensive than VOYA, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, VOYA is valued rather cheaply.
- With a Price/Forward Earnings ratio of 7.16, the valuation of VOYA can be described as very cheap.
- 73.47% of the companies in the same industry are more expensive than VOYA, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of VOYA to the average of the S&P500 Index (24.26), we can say VOYA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.97 | ||
| Fwd PE | 7.16 |
4.2 Price Multiples
- 76.53% of the companies in the same industry are more expensive than VOYA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.76 | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as VOYA's earnings are expected to grow with 15.32% in the coming years.
PEG (NY)0.42
PEG (5Y)0.81
EPS Next 2Y17.31%
EPS Next 3Y15.32%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.40%, VOYA has a reasonable but not impressive dividend return.
- VOYA's Dividend Yield is a higher than the industry average which is at 2.49.
- Compared to an average S&P500 Dividend Yield of 1.89, VOYA pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
5.2 History
- On average, the dividend of VOYA grows each year by 33.28%, 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)33.28%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
- VOYA pays out 38.07% of its income as dividend. This is a sustainable payout ratio.
- The dividend of VOYA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.07%
EPS Next 2Y17.31%
EPS Next 3Y15.32%
74.54
-3.78 (-4.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners109.71%
Inst Owner Change0.01%
Ins Owners0.22%
Ins Owner Change1.13%
Market Cap7.09B
Revenue(TTM)8.09B
Net Income(TTM)570.00M
Analysts72.94
Price Target87.15 (16.92%)
Short Float %1.69%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend2.14
Dividend Growth(5Y)33.28%
DP38.07%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)7.36%
Max EPS beat(2)18.18%
EPS beat(4)4
Avg EPS beat(4)29.19%
Min EPS beat(4)7.36%
Max EPS beat(4)65.03%
EPS beat(8)7
Avg EPS beat(8)14.8%
EPS beat(12)9
Avg EPS beat(12)13.7%
EPS beat(16)13
Avg EPS beat(16)21.49%
Revenue beat(2)1
Avg Revenue beat(2)3.23%
Min Revenue beat(2)-0.2%
Max Revenue beat(2)6.67%
Revenue beat(4)2
Avg Revenue beat(4)2.68%
Min Revenue beat(4)-0.25%
Max Revenue beat(4)6.67%
Revenue beat(8)6
Avg Revenue beat(8)4.49%
Revenue beat(12)6
Avg Revenue beat(12)2.31%
Revenue beat(16)8
Avg Revenue beat(16)0.93%
PT rev (1m)0.24%
PT rev (3m)1.93%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)-4.26%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.97 | ||
| Fwd PE | 7.16 | ||
| P/S | 0.88 | ||
| P/FCF | 8.76 | ||
| P/OCF | 8.76 | ||
| P/B | 1.43 | ||
| P/tB | 2.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.31
EY11.15%
EPS(NY)10.4
Fwd EY13.96%
FCF(TTM)8.51
FCFY11.42%
OCF(TTM)8.51
OCFY11.42%
SpS84.99
BVpS52.09
TBVpS34.85
PEG (NY)0.42
PEG (5Y)0.81
Graham Number98.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.32% | ||
| ROE | 11.5% | ||
| ROCE | 0.61% | ||
| ROIC | 0.48% | ||
| ROICexc | 0.48% | ||
| ROICexgc | 1.64% | ||
| OM | 13.28% | ||
| PM (TTM) | 7.05% | ||
| GM | N/A | ||
| FCFM | 10.01% |
ROA(3y)0.36%
ROA(5y)0.43%
ROE(3y)14.61%
ROE(5y)13.35%
ROIC(3y)0.48%
ROIC(5y)0.62%
ROICexc(3y)0.49%
ROICexc(5y)0.63%
ROICexgc(3y)1.48%
ROICexgc(5y)1.8%
ROCE(3y)0.61%
ROCE(5y)0.79%
ROICexgc growth 3Y-23.1%
ROICexgc growth 5Y15.38%
ROICexc growth 3Y-27.07%
ROICexc growth 5Y6.38%
OM growth 3Y-42.03%
OM growth 5Y4.28%
PM growth 3Y-46%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 2.6 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 142.1% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
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)259.4%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.68%
EPS 3Y-3.34%
EPS 5Y11.08%
EPS Q2Q%15.57%
EPS Next Y21.49%
EPS Next 2Y17.31%
EPS Next 3Y15.32%
EPS Next 5Y13.38%
Revenue 1Y (TTM)2.91%
Revenue growth 3Y23.9%
Revenue growth 5Y1.31%
Sales Q2Q%8.79%
Revenue Next Year3.71%
Revenue Next 2Y4.36%
Revenue Next 3Y4.27%
Revenue Next 5Y3.34%
EBIT growth 1Y-5.79%
EBIT growth 3Y-28.18%
EBIT growth 5Y5.65%
EBIT Next Year1.63%
EBIT Next 3Y6.83%
EBIT Next 5YN/A
FCF growth 1Y-45.75%
FCF growth 3Y293.94%
FCF growth 5Y0.53%
OCF growth 1Y-45.75%
OCF growth 3Y293.94%
OCF growth 5Y0.53%
VOYA FINANCIAL INC / VOYA FAQ
What is the ChartMill fundamental rating of VOYA FINANCIAL INC (VOYA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to VOYA.
What is the valuation status of VOYA FINANCIAL INC (VOYA) stock?
ChartMill assigns a valuation rating of 6 / 10 to VOYA FINANCIAL INC (VOYA). This can be considered as Fairly Valued.
Can you provide the profitability details for VOYA FINANCIAL INC?
VOYA FINANCIAL INC (VOYA) has a profitability rating of 3 / 10.
What is the financial health of VOYA FINANCIAL INC (VOYA) stock?
The financial health rating of VOYA FINANCIAL INC (VOYA) is 3 / 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 21.49% in the next year.