VOYA FINANCIAL INC (VOYA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:VOYA - US9290891004 - Common Stock
71.15 USD
+0.38 (+0.54%)
71.15 USD
0 (0%)
Taking everything into account, VOYA scores 4 out of 10 in our fundamental rating. VOYA was compared to 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year VOYA was profitable.
VOYA had a positive operating cash flow in the past year.
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 has a Return On Assets of 0.32%. This is in the lower half of the industry: VOYA underperforms 65.31% of its industry peers.
VOYA has a Return On Equity of 11.50%. This is in the better half of the industry: VOYA outperforms 63.27% of its industry peers.
VOYA has a Return On Invested Capital of 0.48%. This is in the lower half of the industry: VOYA underperforms 67.35% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for VOYA is significantly below the industry average of 8.20%.
| 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
With a Profit Margin value of 7.05%, VOYA perfoms like the industry average, outperforming 46.94% of the companies in the same industry.
VOYA's Profit Margin has declined in the last couple of years.
VOYA's Operating Margin of 13.28% is in line compared to the rest of the industry. VOYA outperforms 50.00% of its industry peers.
In the last couple of years the Operating Margin of VOYA has grown nicely.
| 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.
The number of shares outstanding for VOYA has been reduced compared to 5 years ago.
VOYA has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of VOYA is 2.60, which is a good value as it means it would take VOYA, 2.60 years of fcf income to pay off all of its debts.
VOYA has a Debt to FCF ratio of 2.60. This is in the better half 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.
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
The Earnings Per Share has been growing slightly by 6.68% over the past year.
VOYA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.08% yearly.
Looking at the last year, VOYA shows a small growth in Revenue. The Revenue has grown by 2.91% in the last year.
VOYA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.31% yearly.
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
Based on estimates for the next years, VOYA will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.38% on average per year.
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 Y21.13%
EPS Next 2Y17.83%
EPS Next 3Y15.82%
EPS Next 5Y13.38%
Revenue Next Year4.31%
Revenue Next 2Y4.99%
Revenue Next 3Y3.68%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.56, which indicates a very decent valuation of VOYA.
71.43% of the companies in the same industry are more expensive than VOYA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of VOYA to the average of the S&P500 Index (26.41), we can say VOYA is valued rather cheaply.
A Price/Forward Earnings ratio of 6.78 indicates a rather cheap valuation of VOYA.
VOYA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. VOYA is cheaper than 78.57% of the companies in the same industry.
VOYA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 6.78 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, VOYA is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.36 | ||
| 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 15.82% in the coming years.
PEG (NY)0.41
PEG (5Y)0.77
EPS Next 2Y17.83%
EPS Next 3Y15.82%
5. Dividend
5.1 Amount
VOYA has a Yearly Dividend Yield of 2.66%.
VOYA's Dividend Yield is a higher than the industry average which is at 4.97.
VOYA's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
The dividend of VOYA is nicely growing with an annual growth rate of 33.28%!
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.
VOYA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.07%
EPS Next 2Y17.83%
EPS Next 3Y15.82%
71.15
+0.38 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners104.76%
Inst Owner Change1.4%
Ins Owners0.23%
Ins Owner Change2.77%
Market Cap6.77B
Revenue(TTM)8.09B
Net Income(TTM)570.00M
Analysts73.33
Price Target85.99 (20.86%)
Short Float %1.54%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Yearly Dividend2.14
Dividend Growth(5Y)33.28%
DP38.07%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)1.93%
PT rev (3m)1.93%
EPS NQ rev (1m)-6.61%
EPS NQ rev (3m)-3.12%
EPS NY rev (1m)0.3%
EPS NY rev (3m)2.85%
Revenue NQ rev (1m)-1.16%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)2.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 6.78 | ||
| P/S | 0.84 | ||
| P/FCF | 8.36 | ||
| P/OCF | 8.36 | ||
| P/B | 1.37 | ||
| P/tB | 2.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.31
EY11.68%
EPS(NY)10.5
Fwd EY14.75%
FCF(TTM)8.51
FCFY11.96%
OCF(TTM)8.51
OCFY11.96%
SpS84.99
BVpS52.09
TBVpS34.85
PEG (NY)0.41
PEG (5Y)0.77
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 Y21.13%
EPS Next 2Y17.83%
EPS Next 3Y15.82%
EPS Next 5Y13.38%
Revenue 1Y (TTM)2.91%
Revenue growth 3Y23.9%
Revenue growth 5Y1.31%
Sales Q2Q%8.79%
Revenue Next Year4.31%
Revenue Next 2Y4.99%
Revenue Next 3Y3.68%
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.
Can you provide the valuation status for VOYA FINANCIAL INC?
ChartMill assigns a valuation rating of 6 / 10 to VOYA FINANCIAL INC (VOYA). This can be considered as Fairly Valued.
What is the profitability of VOYA stock?
VOYA FINANCIAL INC (VOYA) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for VOYA stock?
The Earnings per Share (EPS) of VOYA FINANCIAL INC (VOYA) is expected to grow by 21.13% in the next year.
Is the dividend of VOYA FINANCIAL INC sustainable?
The dividend rating of VOYA FINANCIAL INC (VOYA) is 5 / 10 and the dividend payout ratio is 38.07%.