Voya Financial, Inc. VOYA
Composite 53/100; the shares have moved about 22% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 33/100 — a moderate mark against it.
Momentum ranks 85/100 — a strong point in its favour. Valuation ranks 83/100 — a strong point in its favour. Income ranks 60/100 — a slight point in its favour.
Balance-sheet strength ranks 33/100 — a moderate mark against it. Quality ranks 36/100 — a moderate mark against it. Growth ranks 36/100 — a moderate mark against it.
What the company does Voya Financial provides workplace benefits and retirement, investment management, and employee benefits solutions in the US and internationally. Its segments include Retirement (recordkeeping, stable value products, wealth management), Investment Management (asset management services), and Employee Benefits (insurance products like stop loss, life, disability, and critical illness).
Key financials Voya reports gross margins of 56.4%, operating margins of 14.3%, and net margins of 8.2%. Revenue grew 3.1% while EPS grew 23.2%. ROE stands at 11.9% and ROA at 0.4%. The company maintains a strong balance sheet with a current ratio of 5.02 and debt/equity of 0.73.
Stock health Momentum is strong: 3m 24%, 6m 34%, 12m 45%, with RSI(14) at 65.60 and only 3.45% below its 52-week high. Sideravia scores Valuation at 81.2 and Momentum at 80.0, indicating attractive valuation and positive momentum.
Price vs fair value The stock trades at a discount to both our fair-value estimate and analyst target. - Our fair-value estimate of 143.34 implies a 43.00% discount (price vs fair value). - Analyst 12-month target of 104.25 implies a 3.97% discount (price vs target). - Q2 earnings are expected to decline (Zacks). - Peers like Baldwin Insurance and Manulife reported beats, pressuring relative valuation (Zacks). - Sector rotation into beaten-up financials may be supporting momentum.
Looking forward Forward P/E of 10.49 and PEG of 0.25 suggest undemanding valuation versus growth. Dividend yield is 1.9% with a conservative payout ratio of 27.8%. Analysts expect near-term earnings pressure, but long-term valuation remains attractive relative to growth and momentum metrics.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.