Voya Financial Inc. Common Stock (VOYA)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $95.52, Voya trades at a FairStock-calculated P/E of 16.11 and P/B of 1.85. That is not a cigar butt, and it is not egregious. The business is a financial conglomerate focused on retirement, investment management, and employee benefits. Its filed results show positive earnings: FY2025 revenue of $2.3B, net income of $654.0M, and diluted EPS of $6.29, versus FY2024 net income of $667.0M and EPS of $6.17. But the latest filed quarter, fiscal Q2 2026 ended 2026-06-30, showed net income of $94.0M and EPS of $0.97 on revenue of $531.0M, versus net income of $166.0M, EPS of $1.66, and revenue of $541.0M in fiscal Q2 2025. That is a yellow flag. FairStock calculates ROE of 9.61%, ROCE of 0.35%, and D/E of 0.69. A roughly 10% return on equity with almost two times book is not an obvious bargain, though the PEG of 0.97 offers some hope if growth reappears. The Piotroski F-Score is 5/9, middling, and the FairStock Score is 61/100. FairStock's Lynch category is SLOW GROWER, with profit shrinking 27.5% a year over four years and revenue growth of 3.3%. I cannot assess CET1, net interest margin, or combined ratio because those are not in the data. So the key question is whether Q2 2026 weakness is temporary or the start of a lower earnings base. Without a clearer margin of safety, this is a watchlist name, not a fat pitch.

In plain English: Voya Financial sells retirement plans, investment management, and workplace benefits. The company is profitable and pays a small dividend, but its most recent reported quarterly profit was well below a year earlier, and its returns on shareholder money are only moderate. At the recent price, the stock looks about fair rather than clearly cheap or expensive based on the numbers given.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer