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Upturn AI SWOT - About
VOYA 
Voya Financial Inc (VOYA)
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Upturn Advisory Summary
10/13/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $84.73
1 Year Target Price $84.73
| 2 | Strong Buy |
| 4 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.11% | Avg. Invested days 31 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.10B USD | Price to earnings Ratio 14.56 | 1Y Target Price 84.73 |
Price to earnings Ratio 14.56 | 1Y Target Price 84.73 | ||
Volume (30-day avg) 12 | Beta 0.97 | 52 Weeks Range 51.77 - 82.27 | Updated Date 10/14/2025 |
52 Weeks Range 51.77 - 82.27 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 2.48% | Basic EPS (TTM) 5.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 14.56 | Forward PE 7.35 | Enterprise Value 9216265475 | Price to Sales(TTM) 0.9 |
Enterprise Value 9216265475 | Price to Sales(TTM) 0.9 | ||
Enterprise Value to Revenue 1.19 | Enterprise Value to EBITDA - | Shares Outstanding 96417788 | Shares Floating 96005120 |
Shares Outstanding 96417788 | Shares Floating 96005120 | ||
Percent Insiders 0.29 | Percent Institutions 105.26 |
Upturn AI SWOT
Voya Financial Inc
Company Overview
History and Background
Voya Financial, Inc. (VOYA) traces its roots to ING Group's U.S. operations. It was rebranded as Voya Financial in 2014 following ING's divestment. ING U.S., later Voya, was founded in 1970. Its major milestone was its IPO in 2013, marking its independence.
Core Business Areas
- Workplace Solutions: Provides retirement plans, including 401(k), 403(b), and defined benefit plans, to employers and employees.
- Health Solutions: Offers stop loss insurance, group life, disability, and supplemental health insurance products.
- Investment Management: Manages assets for institutional and retail clients through various investment strategies and products.
Leadership and Structure
The leadership team is headed by the CEO, Heather Lavallee. The organizational structure is typical of a publicly traded financial services company, with various business units reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Retirement Plans: Offers 401(k), 403(b), and defined benefit plans. Market share data is difficult to pinpoint precisely, but Voya is a top 10 provider in the US retirement plan market. Competitors include Fidelity, Vanguard, and T. Rowe Price.
- Stop Loss Insurance: Provides stop-loss insurance to employers who self-fund their employee health plans. Competitors include Berkshire Hathaway Specialty Insurance and Munich Re.
- Investment Management Services: Investment management services for institutions and retail clients. Competitors include BlackRock, Vanguard, and State Street.
Market Dynamics
Industry Overview
The financial services industry is competitive and heavily regulated. Trends include increasing demand for retirement planning, rising healthcare costs, and growing interest in ESG investing.
Positioning
Voya Financial positions itself as a provider of financial, retirement, investment, and insurance solutions, focusing on workplace and institutional clients. Their competitive advantage is their integrated product offerings and focus on the employee benefits market.
Total Addressable Market (TAM)
The TAM for retirement, insurance, and investment solutions is estimated to be trillions of dollars. Voya captures a portion of this TAM through its various product offerings and is well-positioned to increase penetration through acquisitions and innovation.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product portfolio
- Established distribution network
- Strong capital position
Weaknesses
- Reliance on employer-sponsored plans
- Exposure to market volatility
- Complexity of product offerings
- Integration risks associated with acquisitions
Opportunities
- Expanding into new markets
- Developing innovative products and services
- Acquiring complementary businesses
- Increasing demand for financial planning advice
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- PRU
- MET
- LNC
- HIG
Competitive Landscape
Voya Financial faces intense competition in all its business segments. It competes on price, product innovation, and customer service. They have strength in distribution and focus on workplace but struggle in certain niches against established players.
Major Acquisitions
Benefitfocus
- Year: 2023
- Acquisition Price (USD millions): 530
- Strategic Rationale: Strengthens workplace benefits platform and expands reach to small and mid-sized businesses.
Growth Trajectory and Initiatives
Historical Growth: VOYA has experienced growth through organic means and acquisitions, expanding its product offerings and customer base. Growth needs to be updated from latest available data sources.
Future Projections: Analyst estimates project continued growth for Voya, driven by favorable demographics and increasing demand for retirement and investment solutions. Projections need to be updated from latest available data sources.
Recent Initiatives: Recent initiatives include investing in technology and digital capabilities, expanding its distribution network, and launching new products and services.
Summary
Voya Financial has a diversified financial solutions offering. Its strength is in workplace solutions and investment management. Key areas to watch include regulatory changes and impacts of economic downturns. The company appears stable and strategically positioned within the current market dynamics.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Voya Financial Inc. Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is dynamic and 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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