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VOYA 
Voya Financial Inc (VOYA)
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Upturn Advisory Summary
01/09/2026: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $86.2
1 Year Target Price $86.2
| 2 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.67% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.59B USD | Price to earnings Ratio 13.46 | 1Y Target Price 86.2 |
Price to earnings Ratio 13.46 | 1Y Target Price 86.2 | ||
Volume (30-day avg) 12 | Beta 0.9 | 52 Weeks Range 51.43 - 79.99 | Updated Date 01/10/2026 |
52 Weeks Range 51.43 - 79.99 | Updated Date 01/10/2026 | ||
Dividends yield (FY) 2.28% | Basic EPS (TTM) 5.85 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.55% | Operating Margin (TTM) 17.25% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 10.32% |
Valuation
Trailing PE 13.46 | Forward PE 7.58 | Enterprise Value 9818822625 | Price to Sales(TTM) 0.94 |
Enterprise Value 9818822625 | Price to Sales(TTM) 0.94 | ||
Enterprise Value to Revenue 1.24 | Enterprise Value to EBITDA - | Shares Outstanding 95162924 | Shares Floating 94764191 |
Shares Outstanding 95162924 | Shares Floating 94764191 | ||
Percent Insiders 0.3 | Percent Institutions 109.87 |
Upturn AI SWOT
Voya Financial Inc
Company Overview
History and Background
Voya Financial Inc. (VOYA) was established in 2013 as a spin-off from ING Group, officially becoming an independent, publicly traded company in 2015. Its origins trace back to the insurance and investment management businesses of Dutch financial services giant ING. Key milestones include the separation from ING, rebranding to Voya, and subsequent strategic acquisitions and divestitures aimed at focusing on its core retirement, investment management, and employee benefits businesses. Voya has undergone significant transformation to become a leading provider of retirement solutions and investment services.
Core Business Areas
- Retirement: Offers a comprehensive suite of retirement solutions, including workplace savings plans (401(k), 403(b)), individual retirement accounts (IRAs), and advisory services to help individuals save for retirement and manage their assets. This segment serves both institutional and individual clients.
- Investment Management: Through Voya Investment Management, the company provides a diverse range of investment strategies and products across various asset classes, including fixed income, equities, and alternatives. These are offered to institutional clients such as pension funds, endowments, and sovereign wealth funds, as well as through Voya's retail and retirement platforms.
- Employee Benefits: Provides group insurance products such as life, disability, and supplemental health insurance to employers for their employees. This segment focuses on helping employers offer valuable benefits to their workforce.
Leadership and Structure
Voya Financial Inc. is led by a Board of Directors and a senior management team. Key figures include the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of its major business segments. The company is structured around its core business units: Retirement, Investment Management, and Employee Benefits, with corporate functions supporting these operations.
Top Products and Market Share
Key Offerings
- 401(k) and Workplace Savings Plans: Voya is a significant player in the U.S. retirement plan market, offering 401(k), 403(b), and other employer-sponsored retirement savings plans. It serves millions of participants across a wide range of employers. Competitors include Fidelity Investments, Empower Retirement, T. Rowe Price, and Merrill Lynch.
- Investment Management Services: Voya Investment Management offers a broad spectrum of investment solutions for institutional and retail clients, including actively managed equity and fixed income strategies. Market share data for specific product lines is proprietary, but Voya IM is recognized as a substantial asset manager. Competitors include BlackRock, Vanguard, State Street Global Advisors, and PIMCO.
- Group Life and Disability Insurance: Voya provides group life, disability, and other voluntary benefits to employers. This segment competes with major insurance providers like MetLife, Prudential Financial, and Lincoln Financial Group.
Market Dynamics
Industry Overview
Voya operates within the U.S. financial services industry, specifically focusing on retirement services, investment management, and employee benefits. The industry is characterized by increasing demand for retirement solutions due to an aging population, evolving regulatory landscapes, and a shift towards fee-based advisory services. Competition is intense, with a mix of large, diversified financial institutions and specialized providers.
Positioning
Voya is positioned as a leading provider of retirement solutions, particularly for the mid-market and large employer segments. Its strengths lie in its integrated approach to retirement, combining workplace savings plans with investment management and employee benefits. The company aims to be a trusted partner for employers and individuals navigating their financial futures. Its competitive advantages include its scale, comprehensive product offerings, and established distribution channels.
Total Addressable Market (TAM)
The total addressable market for retirement services, investment management, and employee benefits in the U.S. is vast, estimated in the trillions of dollars. Voya addresses a significant portion of this TAM, particularly in the defined contribution retirement plan market and institutional asset management. Its positioning within this TAM is strong in its core segments, with continuous efforts to expand its reach and deepen client relationships.
Upturn SWOT Analysis
Strengths
- Strong market position in workplace retirement plans.
- Diversified revenue streams across retirement, investment management, and employee benefits.
- Significant assets under management (AUM) and administration.
- Established brand recognition and distribution networks.
- Focus on innovation in digital solutions for retirement planning.
Weaknesses
- Dependence on market performance for AUM and revenue.
- Complexity of managing multiple business lines.
- Potential for increased regulatory scrutiny in the financial services industry.
- Competition from larger, more diversified financial institutions.
Opportunities
- Growing demand for retirement planning solutions due to demographic trends.
- Expansion into new market segments and geographic regions.
- Leveraging technology to enhance customer experience and operational efficiency.
- Strategic partnerships and acquisitions to broaden offerings.
- Increased focus on ESG (Environmental, Social, and Governance) investing by clients.
Threats
- Economic downturns impacting investment values and client spending.
- Intensifying competition and price pressures.
- Changes in government regulations and tax policies affecting retirement savings.
- Interest rate volatility affecting profitability of certain financial products.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Fidelity Investments
- Empower Retirement
- Prudential Financial
- MetLife
- Lincoln Financial Group
- T. Rowe Price
- BlackRock
- Vanguard
- State Street Global Advisors
- PIMCO
Competitive Landscape
Voya faces intense competition from both large, established financial institutions and specialized retirement and investment firms. Its advantages include its focused strategy on retirement solutions and its ability to serve a broad range of clients. However, it must continually innovate and adapt to stay competitive against players with broader product portfolios or greater scale.
Growth Trajectory and Initiatives
Historical Growth: Voya has demonstrated a consistent growth trajectory, particularly in its retirement and investment management segments, driven by organic growth and strategic acquisitions. The company has successfully navigated market shifts and transformed its business model to focus on higher-growth areas.
Future Projections: Analyst estimates for Voya's future growth often point to continued expansion in its core retirement and investment management businesses. Projections are typically based on market trends, company strategy, and economic outlook, with a focus on increasing AUM and fee-based revenue.
Recent Initiatives: Recent initiatives by Voya include strategic acquisitions to enhance its capabilities, investments in technology to improve customer experience, and a continued focus on operational efficiency to drive profitability. The company has also been actively managing its portfolio of businesses to optimize its strategic focus.
Summary
Voya Financial Inc. is a well-established financial services company with a strong focus on retirement solutions and investment management. Its core business areas are performing well, supported by a robust market demand. The company's key strengths lie in its market position and diversified revenue, while it needs to be mindful of intense competition and market volatility. Continued strategic initiatives and technological integration will be crucial for its sustained growth and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Voya Financial Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters, Wall Street Journal)
- Industry Research Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated and may vary across different sources and methodologies. Financial performance metrics are subject to change based on market conditions and company reporting. Investors should conduct their own due diligence before making any investment decisions.
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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