Voya Financial VOYA
United StatesFinancial Services · Financial ConglomeratesUSD
108.58 USD (+12.2%)
12 analysts
Trading 2120.30 €Open account ↗
Lightyear0.90 €Open account ↗
N260.90 €Open account ↗
XTB1.00 €★ featured · affiliateOpen account ↗Trading 2120.30 €Open account ↗Lightyear0.90 €Open account ↗XTB1.00 €★ featured · affiliateOpen account ↗200.00 € order · cheapest cheapest available in your country iCompare all 22 brokers →What does it do?
Voya Financial is a U.S. financial services company offering life insurance, retirement, and asset management solutions to both individuals and institutions.
Key points
from its scores- ✓Good share-price trend9.2
- ✕Weak growth0.9
- ✕Fragile balance sheet3.6
- ✕Little competitive advantage3.7
AI analysis
bottom line, main risk, context and newsHold, pending stabilization of the earnings decline and a return to positive growth.
Voya Financial has a solid balance sheet (ROE 9.61%) and an attractive valuation (forward P/E 8.52), but it is experiencing a sharp decline in earnings (-41.60%) and revenue (-4.30%), which weighs on its growth. Momentum is very positive (+45.87% over 12 months), reflecting market confidence in the high-interest-rate environment for its insurance business.
The persistent decline in earnings (-41.60%) and revenue (-4.30%) could indicate structural business problems that the current positive momentum is not reflecting.
Context and risks
Voya Financial operates in the U.S. financial services sector, a stable but demanding regulatory environment. The main risk is regulatory and governance, moderate in its country of domicile, which can affect its insurance and asset management business lines.
Is Voya Financial stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 16.3 | 13.7 | +19% |
| EV / EBITDA | 12.7 | 10.1 | +26% |
| Price / book | 1.9 | 1.9 | +1% |
| Price / sales | 1.1 | 3.5 | −69% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 3.9 out of 10 (median for Financial Services: 5.2).
Average analyst target: 108.58 USD, +12.2% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 16.3
- Forward P/E
- 8.5
- EV / EBITDA
- 12.7
- Price / book
- 1.9
- Price / sales
- 1.1
- Market cap
- 8.8B USD
- Enterprise value
- 13.9B USD
Profitability
- ROE
- 9.6%
- ROA
- 0.3%
- ROIC (approx.)
- 4.7%
- Gross margin
- 55.6%
- Operating margin
- 5.4%
- Net margin
- 7.4%
- Free cash flow
- 1.4B USD
- FCF yield
- 16.4%
- Cash conversion
- 131%
Solvency
- Total debt
- 4.6B USD
- Net debt
- 3.2B USD
- Cash
- 1.4B USD
- EBITDA
- 1.1B USD
- Net debt / EBITDA
- 2.93
- Debt / equity
- 68.91
- Current ratio
- 5.67
- Quick ratio
- 0.70
Growth
- Revenue growth
- −4.3%
- Earnings growth
- −41.6%
- EPS (TTM)
- 5.94 USD
- EPS (forward)
- 11.36 USD
Dividend
- Dividend yield
- 1.9%
- Payout
- 31.3%
Risk and market
- Beta
- 0.89
- Analyst consensus
- Buy (12)
- Target price
- 108.58 USD
- 52-week range
- 64.50 – 105.64
Recent news
All VOYA news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Voya Financial
Is Voya Financial stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 3.9 out of 10 (median for Financial Services: 5.2). Average analyst target: 108.58 USD, +12.2% versus the price. This is not investment advice.
What score does Voya Financial get on MeridIAn Screener?
It scores 4.7 out of 10, rank 1,829 of 2,130 (better than 14% of the companies analysed). Its strongest category is Momentum (9.2) and its weakest, Growth (0.9). Analysis of 08/10/2026.
What is Voya Financial's P/E ratio?
Its P/E is 16.3: the share price equals 16.3 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 8.5.
How much is Voya Financial worth on the stock market?
Its market capitalisation is 8.8B USD.
Does Voya Financial pay a dividend?
Yes: its dividend yield is 1.94% and it pays out 31% of its earnings.
How has Voya Financial stock performed over the last year?
It has risen 36.5% over the last year, excluding dividends. Over the last 52 weeks it has traded between 64.50 and 105.64 USD. Past performance does not guarantee future results.
What do analysts think of Voya Financial?
12 analysts cover it; their average recommendation is “Buy” and their average target is 108.58 USD (+12.2% versus the price). It is an estimate, not market data.