VOYA
Hot AirVoya Financial, Inc. · Financial Services · United States · $8.7B cap · $104.3M/day traded
$102.22 -1.4% · close 12 Nov · scored 13 Nov
Score down 1.3 since 12 Nov.
Hot Air: Strong momentum and nothing else: weak business, rich price.
After its 3 Nov results, analysts left next year's EPS estimate little changed.
As of 13 Nov 2026, the MoatMap Score for Voya Financial, Inc. (VOYA) is 50/100, ranked against 25,000+ stocks in 38 markets (Quality 39, Value 38, Momentum 69, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT VOYA FINANCIAL, INC.
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Voya Financial, Inc. provides retirement, investment, and insurance solutions to corporate and individual clients. It holds a strong market position in workplace retirement plans and a diversified asset management business. Voya's comprehensive suite of services and digital platforms supports client retention and growth as a leading provider of retirement and investment solutions in the U.S. market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.8B | 7.2B | 7.9B | 8.0B | 11.2% | 8.1B | 7.6B | 7.9B | -0.5% |
| EPS | 4.71 | 5.74 | 6.31 | 6.40 | 10.8% | 6.23 | 6.56 | 8.16 | 12.9% |
| Shares | 97.2M | 102.9M | 95.5M | 93.8M | -3.4% | 89.3M | — | — | — |
| Debt | 3.5B | 3.4B | 3.6B | 3.2B | -2.3% | 4.7B | — | — | — |
| Equity | 3.3B | 4.2B | 4.0B | 5.0B | 13.9% | — | — | — | — |
| Op CF | 483.0M | 1.6B | 1.3B | 1.3B | 38.7% | 1.7B | — | — | — |
| Inv CF | 724.0M | 2.5B | 481.0M | -1.4B | — | — | — | — | — |
| Fin CF | -1.2B | -4.1B | -1.4B | -85.0M | — | — | — | — | — |
Above its 200-day average and 4% below its 52-week high.
Calmer than 79% of stocks we rank over the past year (volatility 27% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of VOYA are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| VOYA | Voya Financial, Inc.(you) | $8.7B | 50 |
| FRHC | Freedom Holdings Corp. | $10.9B | 33 |
| HTH | Hilltop Holdings Inc. | $2.1B | 38 |
| TMS | Teamshares Inc. | $391M | 19 |
| WAL | Western Alliance Bancorporation | $8.3B | 50 |
| KNSL | Kinsale Capital Group, Inc. | $8.3B | 54 |
| RYAN | Ryan Specialty Holdings, Inc. | $11.2B | 50 |
| SF | Stifel Financial Corp. | $10.0B | 47 |
| CBSH | Commerce Bancshares, Inc. | $8.0B | 57 |
| GBCI | Glacier Bancorp, Inc. | $6.2B | 52 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.