Voya Financial, Inc.

Finance
Life Insurance
www.voya.com

Earnings Score
Moat Score

Market Cap $7.88B
PE 12
Debt $2.90B
Cash $1.55B
EV $9.23B
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	$651.00M
EBIT	$781.00M
ROE	10%
ROA	0%
Equity	$6.38B
Growth Stability	-394%
PE	12.1
PEG	-0.55
PB	1.23
P/S	1
Price/Cash	0.2
Debt/Equity	0.45
Net Margins	9%
Op. Margins	10%
Earnings CAGR	3%
Sales Growth YoY	7%
Sales Growth QoQ	-4%
Sales CAGR	-6%
FCF CAGR	-0%
Equity CAGR	-12%
Earnings Stability	0.06
Earnings Growth YoY	-60%

Earnings Growth QoQ	-51%
Earnings CAGR 5Y	-22%
Sales CAGR 5Y	5%
Equity CAGR 5Y	-15%
Earnings CAGR 3Y	14%
Sales CAGR 3Y	14%
Equity CAGR 3Y	-11%
Market Cap	$7.88B
Revenue	$7.86B
Dividend Yield	2%
Payout Ratio	26%
Assets	$166.93B
Total Debt	$2.90B
Cash	$1.55B
Shares Outstanding	97.14M
EV	9.23B
Earnings Score	7%
Moat Score	64%
Shares Growth 3y	-1%
Equity Growth QoQ	12%
Equity Growth YoY	33%

Assets & ROA

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Stockholders Equity & ROE

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Voya Financial Inc is a financial services company, which, through its subsidiaries, provides various investment, insurance, and retirement solutions to individual and institutional clients in the United States. Its products and services include tax savings plans, individual retirement accounts, group life insurance plans, and employee benefits products, among others. The company tailors each of its products to the needs of its customer base. It operates its business through three principal lines: Wealth Solutions, Investment Management, and Health Solutions The retirement segment generates roughly half of the company's revenue.

SEC Filings

Direct access to Voya Financial, Inc. (VOYA) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Voya Financial, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Voya Financial, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 3%

Stability 6%

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Voya Financial, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Voya Financial, Inc..

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	21%	4%	-4%	-35%	10%	-5%	-3%	49%	7%	8%	9%
ROA	-	0%	0%	0%	1%	0%	0%	2%	0%	0%	0%
ROE	-	3%	-3%	-27%	10%	-4%	-2%	21%	7%	10%	10%

Net Margins (8.82%)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	1.09	1.01	-	-	-	-	-	-	-	-
Debt over Equity	0.19	0.21	0.25	0.34	0.35	0.3	0.27	0.26	0.4	0.36	0.45
Growth Stability	-	-	-	-394%	-	-	-	100%	88%	77%	-394%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.45)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (-394%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	2%	-5%	-20%	-1%	-12%	2%	-45%	40%	24%	5%
Earnings YoY growth	-	-82%	-205%	599%	-129%	-143%	-36%	-964%	-79%	36%	-22%
Equity YoY growth	-	-12%	-14%	-21%	-19%	14%	9%	-12%	-39%	-1%	-15%
FCF YoY growth	-	-11%	10%	-	-	-	-	-	-	-	-