A Business at a Glance
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PART I For the purposes of this discussion, the terms "Voya," "the Company," "we," "our," and "us" refer to Voya Financial, Inc. and its subsidiaries. We are a leading provider of workplace benefits and savings solutions and technologies to U.S. employers, enabling better financial outcomes for their employees and for those who depend on their employees through our retirement solutions, retail wealth services, and a comprehensive portfolio of benefits products. We are also a leading international asset manager, built on a foundation of institutional-quality fixed income and private asset strategies, with a well-established presence in U.S. markets and a large and growing business managing retail and institutional equity, fixed income and blended strategies for clients in Europe and Asia. Voya has over 18 million individual customer relationships and more than 50 thousand employer and institutional client relationships across its businesses, as of December 31, 2025.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 8.2B | 8.2B | 8.1B | 7.3B | 5.9B | 4.2B |
| Net Income | 613M | 613M | 626M | 589M | 474M | 2.3B |
| EPS | $6.29 | $6.29 | $6.17 | $5.42 | $4.30 | $18.56 |
| Free Cash Flow | 1.3B | 1.3B | 1.3B | 1.6B | 1.4B | 72M |
| ROIC | 14.1% | 9.7% | 10.1% | 10.0% | 5.8% | 19.4% |
| Gross Margin | 10.2% | 10.2% | 9.9% | 9.2% | 7.2% | 73.9% |
| Debt/Equity | 0.54 | 0.54 | 0.72 | 0.50 | 0.71 | 0.31 |
| Dividends/Share | $1.83 | $1.82 | $1.70 | $1.20 | $0.80 | $0.70 |
| Operating Income | 1.0B | 1.0B | 870M | 916M | 428M | 3.1B |
| Operating Margin | 12.7% | 12.7% | 10.8% | 12.5% | 7.2% | 73.9% |
| ROE | 12.4% | 13.7% | 15.3% | 15.6% | 8.2% | 25.4% |
| Shares Outstanding | 97M | 97M | 101M | 109M | 110M | 126M |
Voya Financial, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
Voya Financial, Inc. trades at 11.5x trailing earnings, compared to its 15-year median P/E of 11.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 5.5x vs a median of 5.0x. The company's 5-year average ROIC is 11.0% with a gross margin of 22.1%. Total shareholder yield (dividends + buybacks) is 5.4%. At current prices, the estimated annualized return to fair value is +7.7%.
Voya Financial, Inc. (VOYA) has a current P/E ratio of 11.5, compared to its historical median P/E of 11.3. The stock is currently considered Fair based on its historical valuation range.
Voya Financial, Inc. (VOYA) has a 5-year average return on invested capital (ROIC) of 11.0%. This indicates solid capital allocation.
Voya Financial, Inc. (VOYA) has a market capitalization of $7.0B. It is classified as a mid-cap stock.
Yes, Voya Financial, Inc. (VOYA) pays a dividend with a trailing twelve-month yield of 2.53%. The company also returns capital through share buybacks, with a buyback yield of 2.84%.
Based on historical P/E analysis, Voya Financial, Inc. (VOYA) appears fair. The current P/E of 11.5 is 1% above its historical median of 11.3. The estimated fair value CAGR (P/E method) is 26.9%.
Voya Financial, Inc. (VOYA) operates in the Life Insurance industry, within the Financials sector.
Voya Financial, Inc. (VOYA) reported annual revenue of $8.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
Voya Financial, Inc. (VOYA) has a net profit margin of 7.5%. This is a modest margin.
Voya Financial, Inc. (VOYA) generated $1.3 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Voya Financial, Inc. (VOYA) has a debt-to-equity ratio of 0.54. This indicates moderate leverage.
Voya Financial, Inc. (VOYA) reported earnings per share (EPS) of $6.29 in its most recent fiscal year.
Voya Financial, Inc. (VOYA) has a return on equity (ROE) of 13.7%. This indicates moderate shareholder returns.
Voya Financial, Inc. (VOYA) has a 5-year average gross margin of 22.1%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 15 years of financial data for Voya Financial, Inc. (VOYA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Voya Financial, Inc. (VOYA) has a book value per share of $50.82, based on its most recent annual SEC filing.