IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
© 2026 Blank Capital Research. All rights reserved. System Version: Aegis V8 (God Mode).
Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1387
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$7.2B
Rodney O. Martin
Voya Financial, Inc. operates as a retirement, investment, and employee benefits company in the United States. Its Wealth Solutions segment offers tax-deferred employer-sponsored retirement savings plans and administrative services. Its Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors and institutional clients. Its Health Solutions segment provides stop loss, group life, voluntary employee-paid, and disability products.
Headcount
6.0K
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Dates updated upon official exchange announcement.
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = VOYA ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$VOYA Voya Financial, Inc. | 54 | 64 | 88 | 43 | 10.3x | 1.9x | 10.0% | 0.4% | 60.0% | 59.1% | 8.4% | 4.7% | 2.4% | 31.0x | $7.2B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Voya Financial, Inc. (VOYA) receives a "Hold" rating with a composite score of 54.0/100. It ranks #1387 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
Sign in to join the discussion.
HQ Base
Wilmington, New York
In-line with peers — no strong momentum signal
Trading at a discount to fundamentals — favorable entry valuation
High profitability & efficiency — strong quality floor supports entry
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for VOYA.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 64 | 88 | -24DRAG |
| MOMENTUM | 43 | 42 | +1NEUTRAL |
| VALUATION | 88 | 98 | -10DRAG |
| INVESTMENT | 30 | 38 | -8DRAG |
| STABILITY | 41 | 35 | +6ALPHA |
| SHORT INT | 53 | 63 | -10DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 112.0% vs WACC 8.1% (spread +103.9%)
GM 60% vs sector 78%, OM 59% vs sector 18%
Capital turnover 9.89x
Rev growth 5%, 10yr history
Interest coverage 17.3x, Net debt/EBITDA 0.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Voya Financial, Inc. (VOYA) as a Hold with a composite score of 54.0/100 at a current price of $69.71. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Voya Financial, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 54.0/100 places it at rank #1387 in our full universe.
Narrow
Medium
Standard
Undervalued
Gross margins of 60% signal strong pricing power.
Value factor score of 88 suggests attractive pricing.
Stable competitive position in a defensive sector.
Vulnerability to macroeconomic shocks and interest rate volatility.
Voya Financial, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns Voya Financial, Inc. a Hold rating, with a composite score of 54.0/100 and 3 out of 5 stars. Ranked #1387 of 7,333 stocks, VOYA presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
With a quality score of 64/100, VOYA shows adequate but unremarkable business quality. The company reports a return on equity of 10.0% (sector avg: 9.0%), gross margins of 60.0% (sector avg: 77.7%), net margins of 8.4% (sector avg: 21.9%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
VOYA carries a solid value score of 88/100, pointing to an attractively priced stock relative to peers. Key valuation metrics include a P/E ratio of 10.30x, an EV/EBITDA of 1.92x, a P/B ratio of 1.03x. This score suggests reasonable compensation for the risks involved, with potential upside if the market recognizes the stock's underlying worth.
Voya Financial, Inc.'s investment score of 30/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 4.7% vs. a sector average of 10.7% and a return on assets of 0.4% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
VOYA is currently showing below-average momentum at 43/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 4.7% year-over-year, while a beta of 1.26 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
VOYA's stability score of 41/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.26 and a debt-to-equity ratio of 31.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
The short interest score of 53/100 for VOYA suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include above-average market sensitivity (beta: 1.26), elevated leverage (D/E: 31.00x). With a $7.2B market cap (mid-cap), Voya Financial, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
VOYA pays a solid dividend yield of 2.4%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
Voya Financial, Inc. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1387 of 7,333 overall (81st percentile). Key comparisons include ROE of 10.0% exceeding the 9.0% sector median and operating margins of 59.1% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While VOYA currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Value (88) vs Investment (30) — closing this gap could shift the rating.
EV/EBITDA 75% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 11% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 23% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Voya Financial (VOYA) is well-poised to gain from favorable retention, positive impacts of the Benefitfocus buyout, higher investment income and surplus income.
Gator Capital Management initiated a new position in Voya Financial by purchasing 125,270 shares worth approximately $9.33 million in Q4 2025. The investment represents 1.89% of the fund's U.S. equity assets. Voya Financial, a diversified financial services provider, has shown strong recent performance with 35% stock appreciation over ten months and analyst forecasts predicting 11% year-over-year earnings growth in 2026, supported by a 2.5% dividend yield and $250 million share buyback authorization.
Voya Financial reported revenue of $324 million and EPS of $2.27 for Q2 2024, down 6.6% and up 3.65% respectively compared to the year-ago quarter. The company's key metrics like AUM, client assets, and revenues were mixed compared to analyst estimates.
Brighthouse Financial (BHF) reported earnings 30 days ago. What's next for the stock? We take a look at earnings estimates for some clues.
Voya (VOYA) reported earnings 30 days ago. What's next for the stock? We take a look at earnings estimates for some clues.