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VOYA

VOYA

Financial Services · Financial Conglomerates

$91.52+0.38%
Mkt Cap: $8.30BDY: 2.04%

Performance

VOYA (VOYA) Stock Analysis 2026

Rule-based · Updated daily · Not financial advice

VOYA (VOYA) operates in the Financial Conglomerates space within the Financial Services sector. With a market cap of $8.3B, it qualifies as a small-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.

Bull Case5
  • Low P/E of 13.8× suggests the stock may be undervalued relative to earnings
  • Forward P/E (8.3×) is lower than trailing P/E (13.8×) — analysts expect earnings to improve
  • Earnings grew 23% YoY — bottom-line is expanding fast
  • Current ratio of 5.0× — ample short-term liquidity
  • Dividend yield of 2.04% provides consistent income on top of price appreciation
Bear Case2
  • High debt-to-equity of 73.44× increases financial risk, especially with elevated interest rates
  • Price is near its 52-week high — limited near-term upside, higher pullback risk

Verdict

Strong Buy

Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.

AI Insight

Powered by Claude

AI-generated analysis for informational purposes only. Not financial advice.

Related Articles

Revenue & Results

Dividends

Current DY

2.04%

5Y Avg Annual

$1.2920

Last Payment

$0.4700

Ex-Date

05/26/2026

Annual dividends paid per share

2013
2020
2026
Ex-DatePaymentAmountEst. DY
Latest05/26/2026
06/26/2026$0.47002.05%
02/25/2026
03/28/2026$0.47002.05%
11/26/2025
12/27/2025$0.47002.05%
08/26/2025
09/26/2025$0.45001.97%
05/27/2025
06/27/2025$0.45001.97%
02/25/2025
03/28/2025$0.45001.97%
11/26/2024
12/27/2024$0.45001.97%
08/27/2024
09/27/2024$0.45001.97%

Magic Number

Shares needed to self-fund your next purchase

$91.52

Price

÷

$0.4700

Last div. (quarterly)

=

195

shares

Own 195 VOYA shares ($17,846.40) and each quarterly dividend pays for 1 new share — the snowball runs on its own.

Investment target

$17,846.40

New shares / year

+4 shares

If You Had Invested…

Hypothetical return based on historical prices

$

* Dividend reinvestment calculated at ex-date price. For informational purposes only.

Earnings

Next Earnings

Aug 4, 2026

49

days

EPS (TTM)

$6.62

P/E (TTM)

13.8

Fwd P/E

8.3

Earnings History

SEC EDGAR · official filings

SEC filings

SEC Filings

Official EDGAR documents

All filings

Key Statistics

Valuation

Market Cap$8.30B
P/E Ratio13.82
Forward P/E8.29
P/B Ratio
PEG Ratio
EPS (TTM)$6.62

Trading

Open
Day High
Day Low
52W High$92.83
52W Low$64.50
Volume
Avg Volume (3M)1,245,525
Beta0.92

Dividends

Dividend Yield2.04%
Annual Rate$1.86
Ex-Div Date2026-05-26
Payout Ratio27.79%

Profitability

Profit Margin8.24%
Operating Margin14.33%
ROE11.89%
ROA0.42%
Revenue Growth3.10%
Earnings Growth23.20%

Balance Sheet

Total Revenue$8.25B
Total Debt$4.93B
Debt / Equity73.44
Current Ratio5.02
Free Cash Flow$1.46B

Fair Value Estimates

Current price: $91.52

Graham Number

√(22.5 × EPS × Book Value)

$88.67

-3.1% downside

Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.

Bazin Ceiling Price

Avg. Annual DPS (5Y) ÷ 6%

$20.72

-77.4% downside

Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.

These are simplified estimates. Not financial advice.

Buy & Hold Checklist

Quality criteria for long-term holding

9/10

90% score

Pays dividends

13Y hist.

13+ years of dividend history

Dividend consistency (5Y+)

13 yrs

Uninterrupted dividend payments for at least 5 years

ROE above 10%

11.9%

Return on equity — measures how efficiently capital is used

Positive profit margin

8.2%

Net profit margin must be positive — company earns more than it spends

Revenue growth (annual)

+3.1%

Annual revenue must be growing compared to the prior year

Earnings growth (annual)

+23.2%

Annual earnings must be growing compared to the prior year

Debt/Equity below 2×

73.44×

Low financial leverage reduces risk of distress

Current ratio above 1

5.02×

Short-term assets must cover short-term liabilities

Daily liquidity above $5M

$114M/day

High trading volume ensures easy entry and exit

Dividend yield above 0%

2.04%

Stock must distribute income to shareholders

Related Assets

Financial Services

About VOYA

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.

Sector

Financial Services

Industry

Financial Conglomerates

Location

New York, United States

Employees

11,000