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Voya Financial, Inc.
🏹 Trader: 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High 💎 VCP Breakout | BRS 85 Ready View all →
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$9.9B
Market Cap
11.8
P/E
0.50
PEG
8.2%
ROCE
11.2%
ROE
0.69
D/E
13.2%
OPM
-2.1%
% from 52W High
80
α RS
🔍 VOYA is showing a high-conviction setup because it matches 7 of 39 tracked screener presets, RS Rating is 80, and it's within 2.1% of its 52-week high. Net: Broad signal stack, not a recommendation. ? Conviction RS Rating 52W High
Sources
Conviction 7/39 · RS Rating 80 · 2.1% from 52W high
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🌏 Global Investor Returns
Currency-adjusted total returns for VOYA including FX impact
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📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

Voya Financial, Inc. provides workplace benefits, and savings solutions and technologies in the United States and internationally. The company operates through three segments: Retirement, Investment Management and Employee Benefits. The Retirement segment offers full-service retirement products; recordkeeping services; stable value and fixed general account investment products; non-qualified plan administration services; and tools, guidance, and services to promote the financial well-being and retirement security of employees. This segment also provides wealth management services, such as individual retirement, managed, and brokerage accounts, as well as financial guidance and advisory services. This segment serves corporate, public and private school systems, higher education institutions, hospitals and healthcare facilities, other non-profit organizations, and state and local governments, as well as institutional clients and individual customers. The Employee Benefits segment offers various insurance products comprising stop loss, group life, group disability, whole and term life, critical illness, accident, and hospital indemnity insurance. This segment also provides worksite employee benefits, health account solutions, leave management, benefits administration, health plan enrollment, financial wellness, and decision support products and services to mid-size and large corporate employers and professional associations. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors, financial intermediaries, and institutional clients through its direct sales force, consultant channel, intermediary partners, banks, broker-dealers, and independent financial advisers. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was founded in 1975 and is based in New York, New York.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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Manager Shares Value % of Fund Period
Steve Cohen Point72 Asset Management 310.2K $21.2M 0.03% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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3-Statement Financial Model
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📊 MIXED Voya Q1 2026: EPS $2.26, up 13% YoY; cash generation $200M, margins strong.
Revenue & Profitability
Adjusted operating EPS was $2.26 per share in Q1 2026, up 13% year-over-year. Trailing 12-month adjusted operating EPS totaled $9.11, representing growth of over 20%. Excess capital generation was approximately $200 million in the quarter, fully returned to shareholders through share repurchases and dividends. GAAP net income was lower due to non-cash items.
Outlook
Management expressed confidence in continued positive net flows in Retirement for full year 2026, with strong pipeline in Investment Management expecting 2%+ organic growth. Legislative and regulatory momentum expanding retirement savings access for small and mid-sized employers is a tailwind. Employee Benefits margins are improving, particularly in Stop Loss, with a path to full margin recovery.
Growth Drivers
Key growth drivers include: Retirement Wealth Management expansion (revenues up 12% YoY), Investment Management institutional demand for private credit and international retail, and Employee Benefits sales up 8% YoY with Stop Loss margin improvement. RFP volumes in Stop Loss are up 200% year-over-year, allowing selective underwriting.
Balance Sheet & CapEx
Not discussed in this earnings call.
Margins
Retirement trailing 12-month margins are over 39%. Investment Management trailing margin is 28.6%, benefiting from higher revenues and expense discipline. Employee Benefits margins are expanding meaningfully, with Stop Loss on a clear path to return to long-term target margins. Management expects further margin improvement in Employee Benefits.
Key Risks
Key risks include medical inflation and claims severity in Stop Loss, which management is addressing through pricing and underwriting actions. An activist investor has expressed interest, but management and board are aligned on the current strategic path. Market volatility can affect flows in thematic equities, but broader demand remains strong.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-08-05
Adjusted operating earnings reached $1.51 per share, with strong Retirement and Investment Management momentum and improved Employee Benefits margins, despite alternative investment headwinds. Cash generation and capital returns remain robust, with positive outlook for the second half.
Q1 2026 Q1 2026 2026-05-06
Q1 2026 saw double-digit EPS growth, robust margins, and strong cash generation across all segments. Retirement and Investment Management are positioned for positive net inflows, while Employee Benefits continues margin recovery. OneAmerica integration and disciplined capital returns support long-term value.
Q4 2025 Q4 2025 2026-02-04
Exceeded 2025 financial targets with record earnings, strong segment growth, and robust cash generation. Outlook for 2026 is positive, with continued momentum in retirement, investment management, and employee benefits, supported by disciplined capital deployment.
Q3 2025 Q3 2025 2025-11-05
Q3 2025 saw adjusted operating EPS rise nearly 30% year-over-year, robust capital generation, and strong segment growth, especially in Retirement and Wealth Management. Strategic investments and partnerships, including OneAmerica and Blue Owl, are driving momentum into 2026.
Q2 2025 Q2 2025 2025-08-06
Q2 2025 saw double-digit EPS growth, record asset milestones, and strong organic flows in retirement and investment management. Margin improvement in employee benefits and disciplined capital deployment remain top priorities, with continued integration of OneAmerica and new partnerships fueling future growth.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Information Sources:
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