Voya Financial, Inc.
Voya Financial, Inc. Fundamental Analysis
Voya Financial, Inc. (VOYA-PB) shows moderate financial fundamentals with a PE ratio of 10.02, profit margin of 8.72%, and ROE of 13.83%. The company generates $23.8B in annual revenue with moderate year-over-year growth of 9.55%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 70.7/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze VOYA-PB's fundamental strength across five key dimensions:
Efficiency Score
WeakVOYA-PB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentVOYA-PB trades at attractive valuation levels.
Growth Score
ModerateVOYA-PB shows steady but slowing expansion.
Financial Health Score
ExcellentVOYA-PB maintains a strong and stable balance sheet.
Profitability Score
WeakVOYA-PB struggles to sustain strong margins.
Key Financial Metrics
Is VOYA-PB Expensive or Cheap?
P/E Ratio
VOYA-PB trades at 10.02 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, VOYA-PB's PEG of 1.29 indicates fair valuation.
Price to Book
The market values Voya Financial, Inc. at 1.32 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 21.54 times EBITDA. This signals the market has high growth expectations.
How Well Does VOYA-PB Make Money?
Net Profit Margin
For every $100 in sales, Voya Financial, Inc. keeps $8.72 as profit after all expenses.
Operating Margin
Core operations generate 3.48 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.83 in profit for every $100 of shareholder equity.
ROA
Voya Financial, Inc. generates $0.37 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Voya Financial, Inc. produces operating cash flow of $4.09B, showing steady but balanced cash generation.
Free Cash Flow
Voya Financial, Inc. generates strong free cash flow of $4.09B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $13.42 in free cash annually.
FCF Yield
VOYA-PB converts 19.83% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.02
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.29
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.32
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.87
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.42
vs 25 benchmark
Current Ratio
Current assets to current liabilities
20.38
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.001
vs 25 benchmark
How VOYA-PB Stacks Against Its Sector Peers
| Metric | VOYA-PB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.02 | 19.28 | Better (Cheaper) |
| ROE | 13.83% | 792.00% | Weak |
| Net Margin | 8.72% | 2238.00% | Weak |
| Debt/Equity | 0.42 | 0.85 | Strong (Low Leverage) |
| Current Ratio | 20.38 | 604.98 | Strong Liquidity |
| ROA | 0.37% | -20889.00% (disorted) | Weak |
VOYA-PB outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Voya Financial, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
53.05%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
363.35%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-1.16%
Industry Style: Value, Dividend, Cyclical
Declining