| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 6/6 |
| Financial Health | 3/6 |
| Dividends | 2/6 |
VOYA Stock Overview
Voya Financial, Inc. operates as a retirement, investment, and employee benefits company in the United States.
Voya Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$74.49 |
| 52 Week High | US$74.58 |
| 52 Week Low | US$54.46 |
| Beta | 1.45 |
| 1 Month Change | 18.63% |
| 3 Month Change | 7.66% |
| 1 Year Change | 25.17% |
| 3 Year Change | 64.26% |
| 5 Year Change | 87.59% |
| Change since IPO | 257.44% |
Recent News & Updates
If You Like EPS Growth Then Check Out Voya Financial (NYSE:VOYA) Before It's Too Late
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
Voya Financial: Premium Valuation And Pending Headwinds Impact Investment Case
There could well be a major acquisition brewing at Voya Financial. That said, short-term flow headwinds and M&A execution risk remain key overhangs on the stock. At the current valuation premium, I would stay neutral.
Shareholder Returns
| VOYA | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | 2.7% | 1.0% | -0.5% |
| 1Y | 25.2% | 37.9% | 13.7% |
Return vs Industry: VOYA underperformed the US Diversified Financial industry which returned 37.9% over the past year.
Return vs Market: VOYA exceeded the US Market which returned 13.7% over the past year.
Price Volatility
| VOYA volatility | |
|---|---|
| VOYA Average Weekly Movement | 3.7% |
| Diversified Financial Industry Average Movement | 5.5% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.9% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: VOYA is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: VOYA's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1999 | 5,970 | Rod Martin | https://www.voya.com |
Voya Financial, Inc. operates as a retirement, investment, and employee benefits company in the United States. The company’s Retirement segment offers tax-deferred employer-sponsored retirement savings plans and administrative services; and individual retirement accounts, and other retail financial products and financial services, as well as financial planning and advisory services. This segment serves corporate, education, healthcare, and other non-profit and government entities, as well as institutional and individual customers.
Voya Financial Fundamentals Summary
| VOYA fundamental statistics | |
|---|---|
| Market Cap | US$8.27b |
| Earnings (TTM) | US$1.99b |
| Revenue (TTM) | US$4.50b |
4.1x
P/E Ratio1.8x
P/S RatioIs VOYA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| VOYA income statement (TTM) | |
|---|---|
| Revenue | US$4.50b |
| Cost of Revenue | -US$1.10b |
| Gross Profit | US$5.60b |
| Expenses | US$3.61b |
| Earnings | US$1.99b |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
Feb 08, 2022
| Earnings per share (EPS) | 17.96 |
| Gross Margin | 124.33% |
| Net Profit Margin | 44.25% |
| Debt/Equity Ratio | 51.6% |
How did VOYA perform over the long term?
See historical performance and comparisonDividends
1.1%
Current Dividend Yield4%
Payout RatioValuation
Is Voya Financial undervalued compared to its fair value and its price relative to the market?
4.15x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: VOYA ($74.49) is trading above our estimate of fair value ($57.81)
Significantly Below Fair Value: VOYA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: VOYA is good value based on its PE Ratio (4.1x) compared to the US Diversified Financial industry average (7.4x).
PE vs Market: VOYA is good value based on its PE Ratio (4.1x) compared to the US market (17.4x).
Price to Earnings Growth Ratio
PEG Ratio: VOYA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: VOYA is good value based on its PB Ratio (1x) compared to the US Diversified Financial industry average (1.1x).
Future Growth
How is Voya Financial forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
-39.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: VOYA's earnings are forecast to decline over the next 3 years (-39.4% per year).
Earnings vs Market: VOYA's earnings are forecast to decline over the next 3 years (-39.4% per year).
High Growth Earnings: VOYA's earnings are forecast to decline over the next 3 years.
Revenue vs Market: VOYA's revenue (3.9% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: VOYA's revenue (3.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: VOYA's Return on Equity is forecast to be low in 3 years time (10.2%).
Past Performance
How has Voya Financial performed over the past 5 years?
64.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: VOYA has high quality earnings.
Growing Profit Margin: VOYA's current net profit margins (44.2%) are higher than last year (2.7%).
Past Earnings Growth Analysis
Earnings Trend: VOYA has become profitable over the past 5 years, growing earnings by 64.6% per year.
Accelerating Growth: VOYA's earnings growth over the past year (906.6%) exceeds its 5-year average (64.6% per year).
Earnings vs Industry: VOYA earnings growth over the past year (906.6%) exceeded the Diversified Financial industry 149.7%.
Return on Equity
High ROE: VOYA's Return on Equity (28.2%) is considered high.
Financial Health
How is Voya Financial's financial position?
Financial Position Analysis
Short Term Liabilities: VOYA's short term assets ($17.3B) exceed its short term liabilities ($1.2B).
Long Term Liabilities: VOYA's short term assets ($17.3B) do not cover its long term liabilities ($157.2B).
Debt to Equity History and Analysis
Debt Level: VOYA's net debt to equity ratio (32.5%) is considered satisfactory.
Reducing Debt: VOYA's debt to equity ratio has increased from 39.7% to 51.6% over the past 5 years.
Debt Coverage: VOYA's debt is not well covered by operating cash flow (6.8%).
Interest Coverage: VOYA's interest payments on its debt are well covered by EBIT (14.8x coverage).
Balance Sheet
Dividend
What is Voya Financial current dividend yield, its reliability and sustainability?
1.07%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: VOYA's dividend (1.07%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.32%).
High Dividend: VOYA's dividend (1.07%) is low compared to the top 25% of dividend payers in the US market (3.44%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, VOYA has been paying a dividend for less than 10 years.
Growing Dividend: VOYA's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (3.9%), VOYA's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: VOYA's dividends in 3 years are forecast to be thoroughly covered by earnings (10.8% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.2yrs
Average management tenure
CEO
Rod Martin (69 yo)
10.75yrs
Tenure
US$13,597,008
Compensation
Mr. Rodney Owen Martin, Jr., also known as Rod, has been the Chief Executive of Voya Financial, Inc. (formerly, ING U.S., Inc) since April 2011 and its Chairman since May 2013. Mr. Martin joined Voya Fina...
CEO Compensation Analysis
Compensation vs Market: Rod's total compensation ($USD13.60M) is above average for companies of similar size in the US market ($USD6.40M).
Compensation vs Earnings: Rod's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: VOYA's management team is seasoned and experienced (6.2 years average tenure).
Board Members
Experienced Board: VOYA's board of directors are considered experienced (6.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: VOYA insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Voya Financial, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: Voya Financial, Inc.
- Ticker: VOYA
- Exchange: NYSE
- Founded: 1999
- Industry: Other Diversified Financial Services
- Sector: Diversified Financials
- Implied Market Cap: US$8.268b
- Shares outstanding: 110.99m
- Website: https://www.voya.com
Number of Employees
Location
- Voya Financial, Inc.
- 230 Park Avenue
- New York
- New York
- 10169
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/16 23:27 |
| End of Day Share Price | 2022/01/14 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.