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Upturn AI SWOT - About
VOYA 
Voya Financial Inc (VOYA)
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Upturn Advisory Summary
06/06/2025: VOYA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
12 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $78.73
Year Target Price $78.73
| 2 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.59% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/06/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.81B USD | Price to earnings Ratio 13.21 | 1Y Target Price 78.91 |
Price to earnings Ratio 13.21 | 1Y Target Price 78.91 | ||
Volume (30-day avg) - | Beta 0.98 | 52 Weeks Range 52.08 - 82.76 | Updated Date 06/30/2025 |
52 Weeks Range 52.08 - 82.76 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.55% | Basic EPS (TTM) 5.35 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.18% | Operating Margin (TTM) 12.19% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 9.89% |
Valuation
Trailing PE 13.21 | Forward PE 9.07 | Enterprise Value 9384055467 | Price to Sales(TTM) 0.85 |
Enterprise Value 9384055467 | Price to Sales(TTM) 0.85 | ||
Enterprise Value to Revenue 1.2 | Enterprise Value to EBITDA - | Shares Outstanding 96293904 | Shares Floating 95909724 |
Shares Outstanding 96293904 | Shares Floating 95909724 | ||
Percent Insiders 0.27 | Percent Institutions 106.06 |
Analyst Ratings
Rating 3.58 | Target Price 78.73 | Buy 4 | Strong Buy 2 |
Buy 4 | Strong Buy 2 | ||
Hold 5 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Voya Financial Inc
Company Overview
History and Background
Voya Financial, Inc. was founded in 2013 as a rebranding of ING U.S., following its initial public offering. It evolved from ING Group's U.S. retirement, investment management, and insurance businesses.
Core Business Areas
- Retirement: Offers retirement savings products and services, including 401(k), 403(b), and defined benefit plans, as well as individual retirement accounts (IRAs). Includes recordkeeping and administration services.
- Investment Management: Provides investment management services to institutions and individuals, including actively and passively managed strategies across various asset classes under the Voya Investment Management brand.
- Employee Benefits: Offers group life, disability, and stop-loss insurance products and services to employers for their employees.
Leadership and Structure
The CEO is Heather Lavallee. The organizational structure consists of business segments (Retirement, Investment Management, Employee Benefits) supported by functional areas like finance, technology, and risk management.
Top Products and Market Share
Key Offerings
- Retirement Solutions: Includes 401(k) plans, 403(b) plans, and IRAs. Competitors include Fidelity, T. Rowe Price, and Principal. Market share varies depending on the specific segment within retirement, but Voya is a significant player in the mid-to-large sized employer market.
- Group Life Insurance: Provides life insurance benefits to employees. Competitors include MetLife, Prudential, and The Hartford. Market share is competitive, with Voya holding a notable position.
- Investment Management: Offers a range of investment strategies across asset classes. Competitors include BlackRock, Vanguard, and State Street. Assets Under Management (AUM) and relative performance vary depending on the specific strategy. As of 2023, Voya Investment Management had around $300 billion AUM.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, regulatory changes, technological advancements (fintech), and demographic shifts. There's a growing demand for personalized financial advice and digital solutions.
Positioning
Voya Financial focuses on the retirement, investment, and employee benefits markets. Its competitive advantages include a strong distribution network, established brand, and integrated suite of products and services.
Total Addressable Market (TAM)
The TAM for retirement assets alone is in the trillions of dollars. Voya Financial is positioned to capture a significant portion of this market through its established relationships and product offerings.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Established Distribution Network
- Diverse Product Portfolio
- Strong Financial Position
- Technological Investments
Weaknesses
- Exposure to Market Volatility
- Dependence on Interest Rates
- Operational Risks
- Integration Risks with Acquisitions
- Customer service can be slow
Opportunities
- Growing Retirement Market
- Increasing Demand for Financial Advice
- Expansion into New Markets
- Technological Innovation
- Strategic Acquisitions
Threats
- Regulatory Changes
- Economic Downturns
- Increased Competition
- Cybersecurity Risks
- Changing Demographic Trends
Competitors and Market Share
Key Competitors
- Prudential Financial (PRU)
- Lincoln National Corporation (LNC)
- MetLife (MET)
Competitive Landscape
Voya Financial competes with other large financial services companies in the retirement, investment, and employee benefits markets. Its advantages include a strong brand, diverse product portfolio, and established distribution network. Disadvantages include exposure to market volatility and dependence on interest rates.
Major Acquisitions
Benefitfocus
- Year: 2023
- Acquisition Price (USD millions): 570
- Strategic Rationale: Acquisition of benefits administration company to strengthen its offerings for employers and employees.
Growth Trajectory and Initiatives
Historical Growth: Voya Financial has experienced moderate growth over the past few years, driven by strong performance in its retirement and employee benefits businesses.
Future Projections: Analysts project continued growth for Voya Financial, driven by increasing demand for retirement savings solutions and strong performance in its investment management business.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new markets, and strategic acquisitions.
Summary
Voya Financial is a strong company with a diverse portfolio in retirement, investment management, and employee benefits. It has demonstrated good growth and shareholder returns, benefiting from its strategic initiatives and acquisitions. While subject to market volatility and competition, Voya is well-positioned for continued expansion by leveraging technological advancements and meeting the growing demand for financial planning and retirement solutions. Risks include regulatory shifts and increased cybersecurity threats, which it must proactively manage.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Voya Financial Inc. SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Voya Financial Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2013-05-02 | President, CEO & Director Ms. Heather Hamilton Lavallee | ||
Sector Financial Services | Industry Financial Conglomerates | Full time employees 10000 | Website https://www.voya.com |
Full time employees 10000 | Website https://www.voya.com | ||
Voya Financial, Inc. provides workplace benefits, and savings solutions and technologies in the United States and internationally. The company operates through three segments: Wealth Solutions, Health Solutions, and Investment Management. The Wealth Solutions 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 Health Solutions 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.
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