VOYA- Voya Financial, Inc.
Financial Services · Financial Conglomerates
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
Wall Street consensus from 12 analysts
12-Month Price Target
$108.08
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $103.14
Graham Number
√(22.5 × EPS × Book Value)
$83.07
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
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
6/10
60% score
Pays dividends
13Y hist.13+ years of dividend history
Dividend consistency (5Y+)
13 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
9.6%Return on equity - measures how efficiently capital is used
Positive profit margin
7.4%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
-4.3%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
-41.6%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
68.91×Low financial leverage reduces risk of distress
Current ratio above 1
5.67×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$106M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
1.82%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Nov 3, 2026
49
days
EPS (TTM)
$5.93
P/E (TTM)
17.4
Fwd P/E
9.1
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
1.82%
5Y Avg Annual
$1.3860
Last Payment
$0.4700
Ex-Date
08/26/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/26/2026 | 09/28/2026 | $0.4700 | 1.82% |
05/26/2026 | 06/28/2026 | $0.4700 | 1.82% |
02/25/2026 | 03/30/2026 | $0.4700 | 1.82% |
11/26/2025 | 12/29/2025 | $0.4700 | 1.82% |
08/26/2025 | 09/28/2025 | $0.4500 | 1.75% |
05/27/2025 | 06/29/2025 | $0.4500 | 1.75% |
02/25/2025 | 03/30/2025 | $0.4500 | 1.75% |
11/26/2024 | 12/29/2024 | $0.4500 | 1.75% |
Magic Number
Shares needed to self-fund your next purchase
$103.14
Price
$0.4700
Last div. (quarterly)
220
shares
Own 220 VOYA shares ($22,690.80) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$22,690.80
New shares / year
+4 shares
Dividend Calculator
1.82% yieldEstimate VOYA dividend income at the current rate.
Per year
$182.28
Per month
$15.19
≈ 97 shares at $1.88/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
VOYA vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Voya Financial, Inc.
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
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Voya Financial, Inc. (VOYA) stock trades at $103.14, down 0.26% on the day. With a market capitalization of $9.34 billion, VOYA is a mid-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 17.4, a forward P/E of 9.1 and earnings per share (EPS) of $5.93. Over the most recent period the company reported a 4% year-over-year revenue decline and a net profit margin of 7.4%. Below you'll find VOYA's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
VOYA - Frequently Asked Questions
Is Voya Financial, Inc. (VOYA) a good stock to buy in 2026?
Voya Financial, Inc. (VOYA) shows risks such as declining revenue (-4%) and high leverage (debt/equity of 68.9). Whether VOYA is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is VOYA's stock price today?
Voya Financial, Inc. (VOYA) trades at $103.14, down 0.26% on the session. Prices on this page update throughout the trading day.
Does VOYA pay a dividend?
Yes. Voya Financial, Inc. pays an annual dividend of $1.88 per share, a dividend yield of 1.82%. The most recent ex-dividend date was August 26, 2026. Its payout ratio is about 31% of earnings.
Is VOYA overvalued?
With a P/E ratio of 17.4×, VOYA trades at a roughly market-average valuation for the financial services sector. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is VOYA's market cap?
Voya Financial, Inc. (VOYA) has a market capitalization of $9.34 billion, classifying it as a mid-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.