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Upturn AI SWOT - About
VOYA 
Voya Financial Inc (VOYA)
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Upturn Advisory Summary
08/14/2025: VOYA (1-star) is currently NOT-A-BUY. Pass it for now.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $82.55
1 Year Target Price $82.55
| 2 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.22% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.23B USD | Price to earnings Ratio 14.81 | 1Y Target Price 82.55 |
Price to earnings Ratio 14.81 | 1Y Target Price 82.55 | ||
Volume (30-day avg) 12 | Beta 0.98 | 52 Weeks Range 52.08 - 82.76 | Updated Date 08/15/2025 |
52 Weeks Range 52.08 - 82.76 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.41% | Basic EPS (TTM) 5.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-05 | When After Market | Estimate 2.06 | Actual 2.4 |
Profitability
Profit Margin 6.73% | Operating Margin (TTM) 12.67% |
Management Effectiveness
Return on Assets (TTM) 0.33% | Return on Equity (TTM) 8.55% |
Valuation
Trailing PE 14.81 | Forward PE 9.42 | Enterprise Value 9237477388 | Price to Sales(TTM) 0.91 |
Enterprise Value 9237477388 | Price to Sales(TTM) 0.91 | ||
Enterprise Value to Revenue 1.19 | Enterprise Value to EBITDA - | Shares Outstanding 96417800 | Shares Floating 96012833 |
Shares Outstanding 96417800 | Shares Floating 96012833 | ||
Percent Insiders 0.29 | Percent Institutions 103.08 |
Upturn AI SWOT
Voya Financial Inc
Company Overview
History and Background
Voya Financial, Inc. was founded in 2013, spun off from ING Group's U.S. operations. ING U.S. rebranded as Voya Financial in 2014. It provides retirement, investment, and insurance products and services.
Core Business Areas
- Retirement: Offers retirement plans, products, and services to corporations, small businesses, and individuals. This includes 401(k), 403(b), and other defined contribution plans, as well as individual retirement accounts (IRAs).
- Investment Management: Provides asset management services to institutional and retail clients, including mutual funds, separate accounts, and other investment vehicles.
- Employee Benefits: Offers group life, disability, and stop loss insurance, as well as other employee benefits products and services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives overseeing different business segments. The organizational structure is designed around its core business areas, with various departments supporting operations.
Top Products and Market Share
Key Offerings
- Retirement Solutions: 401(k) and other defined contribution plans represent a significant portion of Voya's revenue. Market share data varies, but Voya is a major player. Competitors include Fidelity, T. Rowe Price, and Principal Financial. Estimated revenue from this product is unavailable but it accounts for the largest revenue share of the company.
- Investment Management Products: Mutual funds and other investment products generate revenue based on assets under management (AUM). Market share is influenced by investment performance and market conditions. BlackRock, Vanguard, and State Street are major competitors in this space. Estimated revenue from this product is unavailable but it accounts for a sizable revenue share of the company.
- Employee Benefits (Group Life, Disability): Provides financial protection to employees of companies with group life and disability plans. Competitors include MetLife, Prudential, and Unum. Estimated revenue from this product is unavailable.
Market Dynamics
Industry Overview
The financial services industry is competitive and highly regulated, affected by interest rates, economic cycles, and demographic trends. There is increasing demand for retirement planning and investment management services, but also increasing regulatory complexity.
Positioning
Voya Financial Inc. is positioned as a provider of retirement, investment, and insurance solutions, focusing on helping individuals and institutions achieve their financial goals. Competitive advantages include its strong brand recognition, diversified product offerings, and distribution network.
Total Addressable Market (TAM)
The TAM for retirement, investment management, and insurance is in the trillions of dollars. Voya is positioned to capture a portion of this TAM through its product offerings and distribution strategy.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product offerings
- Established distribution network
- Solid financial performance
Weaknesses
- Exposure to market volatility
- Dependence on interest rates
- Highly competitive industry
- Regulatory risks
Opportunities
- Growing demand for retirement planning
- Expanding into new markets
- Acquiring complementary businesses
- Leveraging technology for innovation
Threats
- Economic downturn
- Increasing competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- TROW
- BLK
Competitive Landscape
Voya Financial Inc. competes with other large financial services companies in retirement, investment management, and insurance. Its competitive advantages include a strong brand, diversified product offerings, and a focus on customer service. It's disadvantages may include exposure to market volatility.
Major Acquisitions
Benefitfocus
- Year: 2023
- Acquisition Price (USD millions): 570
- Strategic Rationale: Expanded Voya's capabilities in health and benefits administration.
Growth Trajectory and Initiatives
Historical Growth: Data is not available. Discussing historical growth would involve examining revenue growth, profitability, and market share gains over the past few years.
Future Projections: Data is not available. Future growth projections would be based on analyst estimates and company guidance.
Recent Initiatives: Recent initiatives may include new product launches, acquisitions, and strategic partnerships.
Summary
Voya Financial is a notable player in the retirement, investment, and insurance sectors, benefiting from a diversified portfolio and strong brand recognition. Its exposure to market volatility and the intensely competitive environment pose ongoing challenges. The acquisition of Benefitfocus should help it bolster its capabilities. Maintaining a keen eye on regulatory shifts is also crucial for sustained success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
- Industry Publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary based on source. Financial data is based on publicly available information and may be subject to change.
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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