US · VOYA
Voya Financial, Inc.
- Sector
- Financial Services · Financial - Conglomerates
- Headquarters
- New York City, NY 10169
- Website
- voya.com
Price · as of 2025-12-31
$82.60
Market cap 6.36B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $71.33 | -13.64% |
| Intrinsic Value(DCF) | $37.04 | -55.16% |
| Graham-Dodd Method(GD) | $51.44 | -37.73% |
| Graham Formula(GF) | $11.08 | -86.59% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $63.27 | ||||
| 2013 | $32.88 | $41.55 | $360.18 | $64.59 | $0.00 |
| 2014 | $39.70 | $56.51 | $491.65 | $108.53 | $295.76 |
| 2015 | $27.94 | $43.59 | $479.70 | $68.06 | $0.00 |
| 2016 | $36.14 | $48.97 | $59.00 | $55.98 | $0.00 |
| 2017 | $47.23 | $52.05 | $0.00 | $0.00 | $150.71 |
| 2018 | $43.45 | $49.00 | $0.01 | $83.41 | $38.21 |
| 2019 | $46.91 | $60.76 | $0.00 | $45.81 | $0.00 |
| 2020 | $58.32 | $69.94 | $0.00 | $58.09 | $0.00 |
| 2021 | $57.69 | $85.62 | $88.13 | $132.50 | $0.00 |
| 2022 | $64.25 | $27.71 | $0.00 | $37.49 | $235.22 |
| 2023 | $65.24 | $75.15 | $0.00 | $40.05 | $188.63 |
| 2024 | $68.60 | $79.40 | $0.00 | $34.85 | $116.41 |
| 2025 | $68.06 | $71.33 | $0.00 | $51.44 | $11.08 |
AI valuation
Our deep-learning model estimates Voya Financial, Inc.'s (VOYA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $71.33
- Current price
- $82.60
- AI upside
- -13.64%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$37.04
-55.16% upside
Graham-Dodd
$51.44
-37.73% upside
Graham Formula
$11.08
-86.59% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| VOYA | Voya Financial, Inc. | $82.60 | 6.36B | -14% | -55% | -38% | -87% | 9.99 | 1.32 | 0.87 | 28.39 | 410.94 | -2.85 | 51.84% | 3.48% | 8.72% | 14.60% | -3.73% | 0.38% | 0.42 | 2.23 | 20.38 | 20.38 | 3.36 | 243.00% | -688.00% | 4138.00% | 19.71% | 2.20 | -21.01% | 3.35% | 33.50% | 24.98% | 28.39 | 5.75 | 0.99 | 0.16 |
| AMG | Affiliated Managers Group… | $306.18 | 8.61B | +19% | -59% | -51% | +122% | — | 2.75 | 3.65 | 7.38 | — | -9.57 | 86.04% | 31.76% | 29.30% | 0.00% | 11.49% | 0.00% | 0.83 | 5.69 | — | — | 1.41 | 5030.00% | 1983.00% | 819.00% | 11.27% | — | 19.51% | 0.01% | — | 9.91% | 14.19 | 10.97 | 4.51 | 2.96 |
| BOKF | BOK Financial Corporation | $125.72 | 7.95B | -22% | -8% | -28% | -46% | 13.54 | 1.32 | 2.35 | 6.82 | 106.00 | 1.62 | 63.74% | 21.39% | 17.38% | 10.08% | -147.87% | 1.13% | 0.78 | 0.59 | 0.17 | 0.16 | 3.75 | 1278.00% | -107.00% | -5976.00% | 7.35% | 0.01 | -147.27% | 1.88% | 25.50% | 7.72% | 7.61 | 9.40 | 1.63 | -0.65 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| CBSH | Commerce Bancshares, Inc. | $50.99 | 7.51B | -38% | +5% | -40% | -18% | 12.59 | 1.90 | 3.36 | 0.38 | 232.07 | 1.98 | 80.00% | 34.20% | 26.46% | 16.07% | -12.17% | 1.76% | 0.79 | 1.97 | — | — | 2.86 | 543.00% | 223.00% | 1141.00% | 8.24% | — | -12.63% | 2.09% | 26.30% | 4.98% | 0.40 | 0.49 | 0.14 | 0.65 |
| FCFS | FirstCash Holdings, Inc | $192.79 | 8.51B | -10% | -33% | -90% | -40% | — | 3.89 | 2.42 | 11.56 | — | 399.27 | 51.67% | 15.36% | 9.02% | 0.00% | 9.33% | 0.00% | 1.24 | 4.64 | 4.55 | 3.00 | 2.69 | 2949.00% | 804.00% | -55.00% | 5.29% | 1.44 | 10.54% | 0.80% | — | 2.11% | 20.55 | 24.63 | 3.16 | 3.57 |
| JHG | Janus Henderson Group plc | $52.10 | 8.03B | +86% | +872% | +17% | +225% | 9.92 | 1.50 | 2.56 | 11.86 | 9.51 | 7.03 | 71.84% | 31.54% | 25.77% | 16.18% | 21.79% | 10.47% | 0.07 | 40.36 | 53.82 | 69.46 | -1.52 | 10430.00% | 2523.00% | -10000.00% | 0.00% | 13.85 | 0.00% | 0.00% | 0.00% | 1.39% | 6.86 | — | 2.16 | 3.13 |
| MARA | Marathon Digital Holdings… | $8.94 | 3.38B | +252% | -50% | — | — | -714.27 | — | 3.70 | 4.34 | — | -30.78 | -47.73% | -90.64% | -144.58% | -0.23% | -25.38% | -0.07% | — | -16.99 | 0.00 | 0.00 | 0.00 | -31453.00% | 3820.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 62.03% | -4.08 | — | 3.70 | — |
| OMF | OneMain Holdings, Inc. | $55.02 | 6.48B | +290% | -54% | — | +100% | 8.44 | 1.94 | 1.06 | 21.72 | 15.43 | 4.02 | 47.63% | 16.04% | 12.54% | 23.76% | 3.30% | 2.94% | 6.67 | 0.79 | — | — | 16.91 | 5472.00% | 909.00% | 1597.00% | 47.35% | — | 13.21% | 7.55% | 63.70% | 9.88% | 27.94 | 8.94 | 4.48 | 0.73 |
| PFSI | PennyMac Financial Servic… | $91.93 | 4.8B | +473% | +238,097% | +24% | +1,737% | 9.33 | 1.08 | 1.07 | 17.87 | 15.75 | -0.88 | 91.42% | 34.65% | 11.48% | 12.31% | 5.45% | 1.81% | 5.35 | 1.57 | 0.04 | 0.04 | 15.05 | 5925.00% | 17381.00% | -6440.00% | -34.69% | -0.10 | -6.44% | 1.34% | 12.50% | 1.44% | 17.87 | -16.66 | 6.19 | 0.00 |
About Voya Financial, Inc.
Voya Financial, Inc. operates as a retirement, investment, and employee benefits company in the United States. The company's Wealth Solutions segment offers tax-deferred employer-sponsored retirement savings plans and administrative services; and individual retirement accounts, and other retail financial products and services, as well as financial planning and advisory services. This segment serves corporate, education, healthcare, and other non-profit and government entities, as well as institutional and individual customers. Its Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors and institutional clients through its direct sales force, consultant channel, banks, broker-dealers, and independent financial advisers. The company's Health Solutions segment offers stop loss, group life, voluntary employee-paid, and disability products through consultants, brokers, third-party administrators, enrollment firms, and technology partners to mid-sized and large businesses. 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 incorporated in 1999 and is based in New York, New York.
- CEO
- Heather Hamilton Lavallee
- Employees
- 10K
- Beta
- 0.88
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($37.04 ÷ $82.60) − 1 = -55.16% (DCF, example).