VOYA
Financial Services · Financial Conglomerates
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.
- 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
- 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 ClaudeAI-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
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest05/26/2026 | 06/26/2026 | $0.4700 | 2.05% |
02/25/2026 | 03/28/2026 | $0.4700 | 2.05% |
11/26/2025 | 12/27/2025 | $0.4700 | 2.05% |
08/26/2025 | 09/26/2025 | $0.4500 | 1.97% |
05/27/2025 | 06/27/2025 | $0.4500 | 1.97% |
02/25/2025 | 03/28/2025 | $0.4500 | 1.97% |
11/26/2024 | 12/27/2024 | $0.4500 | 1.97% |
08/27/2024 | 09/27/2024 | $0.4500 | 1.97% |
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
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $91.52
Graham Number
√(22.5 × EPS × Book Value)
$88.67
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
9/10
90% 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%
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/dayHigh 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