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Earnings transcript
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VOYA
Voya Financial, Inc.
$102.04
0.5
(0.49%)
| Exchange: | NYSE |
| Market Cap: | 9.251B |
| Shares Outstanding: | 256.667M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Life | |||||
| CEO: | Heather Lavallee | |||||
| Full Time Employees: | 11000 | |||||
| Address: |
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| Website: | https://www.voya.com |
Voya Financial, Inc. provides workplace benefits, and savings solutions and technologies in the United States and internationally. The company operates through three segments: Retirement, Investment Management and Employee Benefits. The Retirement segment offers full-service retirement products; recordkeeping services; stable value and fixed general account investment products; non-qualified plan administration services; and tools, guidance, and services to promote the financial well-being and retirement security of employees. This segment also provides wealth management services, such as individual retirement, managed, and brokerage accounts, as well as financial guidance and advisory services. This segment serves corporate, public and private school systems, higher education institutions, hospitals and healthcare facilities, other non-profit organizations, and state and local governments, as well as institutional clients and individual customers. The Employee Benefits segment offers various insurance products comprising stop loss, group life, group disability, whole and term life, critical illness, accident, and hospital indemnity insurance. This segment also provides worksite employee benefits, health account solutions, leave management, benefits administration, health plan enrollment, financial wellness, and decision support products and services to mid-size and large corporate employers and professional associations. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors, financial intermediaries, and institutional clients through its direct sales force, consultant channel, intermediary partners, banks, broker-dealers, and independent financial advisers. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was founded in 1975 and is based in New York, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 7,348,000 | 8,050,000 | 7,496,000 |
| Gross Profit | 3,690,000 | 3,878,000 | 3,886,000 |
| EBITDA | 976,000 | 1,098,000 | 261,000 |
| Operating Income | 678,000 | 799,000 | 261,000 |
| Net Income | 625,000 | 667,000 | 654,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 157,085,000 | 163,889,000 | 178,859,000 |
| Total Liabilities | 151,032,000 | 157,882,000 | 171,820,000 |
| Total Stockholders Equity | 4,193,000 | 4,005,000 | 4,953,000 |
| Total Debt | 3,430,000 | 3,603,000 | 2,104,000 |
| Cash and Cash Equivalents | 1,118,000 | 1,514,000 | 1,228,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,638,000 | 911,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 1,638,000 | 911,000 | 0 |
| Net Income | 625,000 | 667,000 | 654,000 |
| Net Change in Cash | 111,000 | 11,000 | -1,514,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 8,509,250.583 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 8,683,859.333 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 8,598,000 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 1,887,699.665 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 1,926,435.025 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 1,907,387.915 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 1,205,799.252 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 1,238,066.302 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 1,222,200.012 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 2,078,060.628 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 2,120,702.170 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 2,099,734.295 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 12.600 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 12.760 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 12.430 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: VOYA demonstrates robust revenue and net income figures as per the latest income statements, with consistent growth in operating income and EPS over recent periods. This indicates effective operational management and profitability, appealing to investors seeking stable returns.
- Healthy Cash Flow Metrics: The cash flow statements highlight strong net cash provided by operating activities and positive free cash flow, reflecting VOYA's ability to generate liquidity for reinvestment or dividend payouts, a key strength for long-term sustainability.
- Favorable Valuation Metrics: VOYA's current price-to-earnings (P/E) ratio and price-to-sales (P/S) ratio, as per key metrics, appear competitive within the industry context, suggesting the stock may be undervalued relative to peers, providing a potential entry point for investors.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates VOYA intrinsic value between $104.22 – $133.51 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about VOYA valuation
Is Voya Financial, Inc. (VOYA) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Voya Financial, Inc. (VOYA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is VOYA a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether VOYA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is VOYA’s P/E ratio?
You can see VOYA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for VOYA?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is VOYA a good long-term investment?
Whether VOYA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
VOYA
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Daily snapshot
0.49
Trading Metrics:
| Open: | 101.09 | Previous Close: | 101.54 | |
| Day Low: | 101.09 | Day High: | 102.16 | |
| Year Low: | 64.5 | Year High: | 103.85 | |
| Price Avg 50: | 97.24 | Price Avg 200: | 80.47 | |
| Volume: | 280513 | Average Volume: | 1.196M |
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Login — it's freeVOYA full analysis
Welcome to MARKETSNAP’s SWOT analysis for Voya Financial! If you’re a long-term investor looking to build wealth, you’ve come to the right place. Today, we’re diving deep into Voya Financial, a player in the financial services space that might not be a household name like some of the big banks, but it’s got a story worth telling. Let’s break down what makes this company tick, analyze its recent performance, and run through a full SWOT analysis to see if it’s…
