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Voya Financial VOYA

Voya Financial scores weak on business quality (4.5 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$94.67Oct 9, 2026
Business qualityWeak
Next earningsNov 2, 2026, after the close
Insiders, 90 daysQuiet

Why it matters

  1. What Voya Financial does

    Voya Financial provides retirement, investment, and employee benefits services, earning fees and investment income from institutional and individual clients. The firm is streamlining its fund lineup, recently suspending trading in certain high dividend equity funds ahead of reorganizations.

  2. What it does best

    Voya turns cash yields into fee growth better than peers, backed by an operating margin of 12.1% compared to EQH's 17.5%. This capability relies on established retirement plan relationships that are difficult for competitors to displace.

  3. The main risk

    Fund reorganizations and trading suspensions, such as those for the Voya Asia Pacific and Emerging Markets high dividend funds, risk client attrition if transitions disrupt investment income.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Operating margin is 12.1% and net margin is 6.9%, reflecting moderate profitability that struggles to expand efficiently as revenue scales.

MoatWeak

Voya commands a modest moat anchored by institutional retirement relationships, though its ROE of 12.6% ranks in the 40th percentile of its sector, showing limited structural advantage.

GrowthSlow

Revenue growth sits at 1.7%, landing in the bottom quartile of its sector at the 18th percentile as historical annual revenue growth moderates from prior highs.

Financial healthFair

Total debt stands at $2.1B against $1.2B in cash, while interest coverage of 4.0x leaves limited margin for earnings volatility.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on VOYA

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is VOYA a good business?

Voya Financial scores weak on the Cluenex quality check (4.5 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health fair.

Are insiders buying VOYA?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does VOYA report earnings?

Nov 2, 2026, after the close.

For members

See VOYA today

  • Today's verdict on VOYA, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Voya Financial (VOYA)”, https://cluenex.com/stocks/voya/, data as of Oct 10, 2026.