Voya Financial stock
VOYANYSEVoya Financial, Inc., Financial ServicesISIN US9290891004
62Score 62 out of 100, Neutral
Price and trend
86 / 100
Price history
+41% in one yearThe chart shows daily closes over 14 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 17% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 63).
The price is 2.5% below its 52-week high. Largest decline in 14 years: 52% (February 2020 to March 2020).
Chart figures for advanced users
- SMA 50$98.76
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$87.45
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)63
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$65.51
- The lowest closing price of the last twelve months.
- Resistance$104.86
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Voya Financial, Inc. belongs to the Insurance (Life) industry (United States) and, with a market value of $9.13B, is number 23 of 34 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $7.5B (down 6.9% year on year) and earnings of $654M (down 1.9%).
- For fiscal 2026, analysts expect on average revenue of $7.73B (up 3.1%) and adjusted earnings per share of $9.07 (up 1.4%).
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- MEQIRI Score 62 out of 100 (Neutral): rank 680 of 975 in Financial Services, median 68.
- The P/E is 16.1 (Insurance (Life) median 11.4, own median of recent years 11.3).
- Our model puts fair value at $131.48, with the price 22% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 25% since 2020.Capital allocation 92
- Reliable dividendNo dividend cut for 13 years.Capital allocation 92
- Analysts expect strong earnings growthUp 17% a year through 2028 (estimates from 8 analysts).
Weaknesses
- Margin fallingOperating margin 3.5%, average of the prior years 9.2% (to 2024).Profitability 69
- Earnings per share fallingDown 21.1% a year since 2021.Growth 20
- High leverageTotal assets 39.6 times equity.Stability 30
Its standout strengths are capital allocation and momentum, while stability and growth hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 63 to 62.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- price near its 52-week high
- low growth grade (crashed less often in the backtest)
- stable momentum
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $93.92 and expensive above $219.14 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $190.66 (excess return model) and $72.30 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $115.59, at 7.8% it would be $155.31.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue fell 6.9% on the prior year. Revenue turned from negative at the start of the period to positive ($7.5B in the latest year).
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 3%, net 9%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 2 Feb 2027in 81 days
- Last reported
- 2 Nov 2026EPS reported $2.60 (expected $2.59)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $9.07−0.3%
- Revenue
- $7.73B−0.2%
- Earnings per share
- $11.35−0.5%
- Revenue
- $8.08B−0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +0.8%No numerical guidance: better results expected in the third quarter and rising cash generation, with stable net margins despite higher loss ratios.
“So we will see how this ultimately shakes out, but I think that is a reasonable starting point And I think the broader message that and we talked about this even earlier in the year and late last year was that we did expect higher loss ratios because we are getting after customer value here with these products, but …”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 2 insiders sold, $4.05M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Voya Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 62
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Life)
The next larger and next smaller companies by market value
- Unum GroupUNM $12.26B50
- Japan Post Insurance7181.T $12.15B59
- Globe LifeGL $12.08B79
- Jackson FinancialJXN $9.16B60
- PrimericaPRI $8.86B87
- Lincoln NationalLNC $7.96B82
- ICICI Prudential Life InsuranceICICIPRULI.NS $7.2B57
- Sony Financial Group8729.T $6.26B70
ETFs that hold Voya Financial
Held by 14 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| UBS Global Gender Equality UCITS ETF hEUR accGGUE | 0.99% | 0.23% | €189.75M |
| iShares Ageing Population UCITS ETF2B77 | 0.55% | 0.40% | €813.42M |
| State Street SPDR S&P 400 U.S. Mid Cap UCITS ETF (Acc)SPY4 | 0.27% | 0.30% | €5.36B |
Show 5 more
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.24% | 0.30% | €964.08M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.17% | 0.43% | €2.5B |
| Franklin U.S. Equity UCITS ETFFLXU | 0.10% | 0.20% | €56.76M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.10% | 0.45% | €1.54B |
| iShares Dow Jones Global Leaders Screened UCITS ETF USD (Acc)IUSL | 0.05% | 0.60% | €2.04B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 10 Apr 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.