Stock AnalizVoya Financial, Inc. VOYA
Life Insurance · IPO 2013 · data as of November 13, 2026
Voya Financial, Inc. (VOYA) is a financial company listed in the US with a market value of about $9.1B. In the twelve months to September 30, 2026 it had revenue of $8.1B and net income of $584M, a net margin of 7.2%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 16.4, a price to free cash flow of 5.5, 5-year revenue growth of 1% a year, a 5-year average ROIC of 12%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 10% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- 3-year revenue growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Interest covered more than 5 times
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $8.1B | $8.2B | $8.1B | $7.3B | $5.9B | $4.2B | $7.6B | $7.5B |
| Net income | $584M | $654M | $667M | $625M | $510M | $2.4B | -$206M | -$360M |
| Free cash flow | $1.7B | — | — | — | — | — | — | — |
| EPS (diluted) | $6.22 | $6.29 | $6.17 | $5.42 | $4.30 | $18.56 | $-1.84 | $-2.64 |
| Net margin | 7.2% | 8.0% | 8.3% | 8.5% | 8.6% | 56.8% | -2.7% | -4.8% |
| ROIC | — | 12.7% | 12.2% | 11.3% | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 12 analysts is $109.00, 7% above the current price; targets range from $90.00 to $127.00; the consensus rating is “Buy”; expected EPS is $9.08 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Voya Financial’s P/E ratio?
About 16.4, based on the last twelve months of diluted earnings per share (forward P/E about 9.5).
Is Voya Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 10% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Voya Financial pay a dividend?
Yes. The dividend yield is about 2.20%, and it has paid dividends for 7 years in our data.
Is Voya Financial a good stock to buy?
We do not give buy or sell advice. Voya Financial scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.