VOYA
Financial ServicesVoya Financial, Inc. · Financial - Conglomerates · $7B
What is Voya Financial, Inc.?
Voya Financial is a US-based financial services company focused on retirement savings, investment management, and employee benefits. It serves individuals, corporations, nonprofits, and government entities.
Voya generates revenue across three segments: Wealth Solutions, which administers employer-sponsored retirement plans and individual accounts; Investment Management, which offers fixed income, equity, and alternative strategies to retail and institutional clients; and Health Solutions, which provides stop-loss, group life, disability, and voluntary benefits to mid-sized and large businesses.
Incorporated in 1999 and rebranded as Voya Financial in 2014, the company is headquartered in New York City.
- Employer-sponsored retirement plan administration
- Individual retirement accounts and advisory services
- Institutional and retail investment management
- Group health, life, and disability benefits
Is VOYA a Good Stock to Buy?
UQS Score rates VOYA as Below Average overall.
Risk is the standout pillar for Voya, suggesting the business carries a relatively measured risk profile compared to sector peers. Valuation is rated Attractive, meaning the stock may not be pricing in a premium relative to its fundamentals.
Both the Moat and Growth pillars are rated Weak, indicating limited competitive differentiation and subdued growth prospects — areas worth watching closely.
See the exact pillar breakdown and full financial metrics by signing up for a Pro account at uqs-score.com. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does VOYA pay dividends?
Yes — Voya Financial, Inc. pays a dividend.
Voya Financial pays a regular dividend, which may appeal to income-oriented investors. As a diversified financial services firm, returning capital to shareholders alongside share repurchases reflects its approach to capital allocation.
When does VOYA report earnings?
Voya Financial reports earnings on a quarterly cadence, consistent with US-listed financial services companies.
Voya's results across its three segments — Wealth Solutions, Investment Management, and Health Solutions — tend to reflect broader market conditions and employer benefits demand. Segment-level trends are worth tracking for a complete picture.
For the most recent quarter's results, visit Voya Financial's investor relations page directly.
VOYA Price History
+25.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Voya Financial, Inc.?
Based on Voya Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Voya Financial do?
Voya Financial provides retirement savings plans, investment management, and employee benefits across three segments. It serves corporate, nonprofit, government, and individual clients throughout the United States.
Does VOYA pay dividends?
Yes, Voya Financial pays a regular dividend. Income-focused investors may find this appealing, though dividend sustainability should always be evaluated alongside the company's broader financial health.
When does VOYA report earnings?
Voya Financial follows a standard quarterly earnings schedule. For the exact date of the next report, check the investor relations section of Voya's official website.
Is VOYA a good stock to buy?
UQS Score rates VOYA as Below Average. The Risk and Valuation pillars are relatively favorable, but Moat and Growth are both rated Weak. The full pillar breakdown is available to Pro members at uqs-score.com.
Is VOYA overvalued?
The UQS Valuation pillar for VOYA is rated Attractive, suggesting the stock is not trading at a significant premium relative to its fundamentals. View the complete valuation analysis by signing up for Pro access.
What is VOYA's market cap bracket?
Voya Financial is classified as a mid-cap company, placing it between the largest financial conglomerates and smaller niche financial services firms.
Is VOYA a long-term quality investment?
As a long-term quality indicator, VOYA's Below Average UQS Score reflects concerns around competitive moat and growth trajectory. The Attractive valuation and Good risk profile offer some offset, but the full picture requires deeper analysis.
What sector does VOYA belong to?
Voya Financial operates in the Financial Services sector, specifically within retirement, investment management, and employee benefits — areas that are sensitive to interest rate cycles and regulatory changes.
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Pro Analysis
VOYA — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 62.7 | 92.7 | 27.0 | 35.6 | 74.0 | 96.8 | +12.8 |
| May 6, 2026 | 49.9 | 53.2 | 27.0 | 36.0 | 70.8 | 80.0 | -0.1 |
| Apr 26, 2026 | 50.0 | 53.2 | 27.0 | 36.7 | 70.8 | 80.0 | -0.2 |
| Apr 18, 2026 | 50.2 | 53.2 | 27.0 | 37.5 | 70.8 | 80.0 | -3.0 |
| Apr 11, 2026 | 53.2 | 53.2 | 27.0 | 37.5 | 70.8 | 100.0 | 0.0 |
| Apr 8, 2026 | 53.2 | 53.2 | 27.0 | 37.6 | 70.8 | 100.0 | -0.4 |
| Apr 2, 2026 | 53.6 | 53.2 | 27.0 | 39.6 | 70.8 | 100.0 | — |
VOYA — Pillar Breakdown
Quality
— 92.7/100 (25%)Voya Financial, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 35.6/100 (20%)Voya Financial, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 74.0/100 (15%)Voya Financial, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 96.7/100 (15%)Voya Financial, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Voya Financial, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for VOYA.
Score Composition
Financial Data
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How is the VOYA UQS Score Calculated?
The UQS (Unified Quality Score) for Voya Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Voya Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Voya Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.