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Upturn AI SWOT - About
VOYA 
Voya Financial Inc (VOYA)
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Upturn Advisory Summary
04/01/2025: VOYA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -46.64% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.49B USD | Price to earnings Ratio 11.01 | 1Y Target Price 80.92 |
Price to earnings Ratio 11.01 | 1Y Target Price 80.92 | ||
Volume (30-day avg) 999675 | Beta 1.02 | 52 Weeks Range 62.94 - 83.31 | Updated Date 04/1/2025 |
52 Weeks Range 62.94 - 83.31 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.66% | Basic EPS (TTM) 6.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.29% | Operating Margin (TTM) 9.85% |
Management Effectiveness
Return on Assets (TTM) 0.43% | Return on Equity (TTM) 12.31% |
Valuation
Trailing PE 11.01 | Forward PE 8.17 | Enterprise Value 8846055327 | Price to Sales(TTM) 0.81 |
Enterprise Value 8846055327 | Price to Sales(TTM) 0.81 | ||
Enterprise Value to Revenue 1.12 | Enterprise Value to EBITDA - | Shares Outstanding 95526304 | Shares Floating 95008526 |
Shares Outstanding 95526304 | Shares Floating 95008526 | ||
Percent Insiders 0.35 | Percent Institutions 100.9 |
Analyst Ratings
Rating 3.77 | Target Price 85.67 | Buy 4 | Strong Buy 3 |
Buy 4 | Strong Buy 3 | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Voya Financial Inc
Company Overview
History and Background
Voya Financial, Inc. was founded in 2013 following the rebranding of ING U.S., the U.S.-based retirement, investment and insurance operations of Dutch financial services group ING. ING U.S. became a public company in 2013, changing its name to Voya Financial in 2014. Significant milestones include the IPO, rebranding, and subsequent strategic shifts to focus on core businesses.
Core Business Areas
- Retirement: Offers retirement savings and income solutions to employers and individuals, including 401(k), 403(b), and IRA plans.
- Investment Management: Provides asset management services to institutional and retail clients, focusing on fixed income, equities, and alternative investments through Voya Investment Management.
- Employee Benefits: Offers group insurance products, including life, disability, and stop loss insurance to employers.
Leadership and Structure
The leadership team is headed by the CEO. The organizational structure includes various business segments reporting to executive leadership, with functional departments supporting operations.
Top Products and Market Share
Key Offerings
- Retirement Plans (401(k), 403(b), IRA): Offers a range of retirement plans to individuals and employers. Competitors include Fidelity, T. Rowe Price, Vanguard, and Principal Financial. Market share is in the top 10 provider range but specific numbers are fluid based on asset fluctuations.
- Investment Management Services: Provides asset management services across various asset classes. Competitors include BlackRock, State Street, Vanguard, and PIMCO. AUM market share is significant but smaller than the market leaders.
- Group Insurance (Life, Disability, Stop Loss): Offers group life, disability, and stop loss insurance products. Competitors include MetLife, Prudential, and The Hartford. Market share is substantial in the employee benefits space.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological disruption, and shifting demographics. Demand for retirement solutions is growing due to an aging population. The group insurance market is stable, with moderate growth driven by employee benefits packages.
Positioning
Voya Financial is positioned as a retirement, investment, and insurance company, leveraging its brand recognition and distribution network. It focuses on technology-driven solutions and customer-centric service.
Total Addressable Market (TAM)
The TAM for retirement, investment management, and employee benefits is multi-trillion dollars. Voya is positioned to capture a portion of this market through its diverse product offerings and distribution channels.
Upturn SWOT Analysis
Strengths
- Established brand name
- Diverse product offerings
- Strong distribution network
- Technology-driven solutions
- Solid financial position
Weaknesses
- Brand still associated with ING
- Sensitivity to market volatility
- Reliance on third-party distributors
- Intense competition
- Regulatory risks
Opportunities
- Growing demand for retirement solutions
- Expansion of investment management services
- Strategic acquisitions
- Increased use of technology in financial services
- Partnerships with fintech companies
Threats
- Economic downturns
- Rising interest rates
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- TROW
- BLK
- JPM
Competitive Landscape
Voya Financial competes with larger, more established players in the retirement, investment, and insurance markets. Voya differentiates itself through its technology-driven solutions and customer-centric approach. Its smaller size may make it more agile but requires it to work smarter to make ground.
Major Acquisitions
Benefitfocus
- Year: 2023
- Acquisition Price (USD millions): 530
- Strategic Rationale: Accelerates Voya's workplace solutions strategy, expands its reach in the employee benefits market, and enhances its technology platform.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth in retirement and investment management businesses, as well as strategic acquisitions. Numerical data is needed for analysis.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by increasing demand for retirement solutions and investment management services. Actual projections require access to financial data services.
Recent Initiatives: Recent initiatives include investments in technology, expansion of product offerings, and strategic partnerships.
Summary
Voya Financial demonstrates a solid position within the retirement, investment, and insurance sectors. Its diversified product portfolio and technology-driven approach serve as competitive advantages. However, the company must manage challenges like market volatility, regulatory shifts, and stiff competition. Strategic acquisitions and continued innovation are crucial for sustaining growth and improving its competitive stance. It will need to be more aggressive to take more market share from the larger players.
Similar Companies
- PRU
- MET
- TROW
- BLK
- JPM
- MMC
- AON
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Analysis Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company-specific factors may change over time. Please verify any critical information and consult a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Voya Financial Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2013-05-02 | President, CEO & Director Ms. Heather Hamilton Lavallee | ||
Sector Financial Services | Industry Financial Conglomerates | Full time employees 10000 | Website https://www.voya.com |
Full time employees 10000 | 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: Wealth Solutions, Health Solutions, and Investment Management. The Wealth Solutions 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 Health Solutions 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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