# VOYA FINANCIAL, INC. (VOYA) — Stock CV

Voya Financial, Inc. is a $8.58B financial services company. Revenue grew 3.2% over the last year, and it keeps 7¢ of every dollar of sales as profit. It trades at 14.1× earnings — in the most expensive third of its own history.

> Voya Financial Inc is a financial services company, which, through its subsidiaries, provides various investment, insurance, and retirement solutions to individual and institutional clients in the United States.

## Identity

- **Ticker**: VOYA
- **Sector**: Financial Services
- **Industry**: Life Insurance
- **Headquarters**: NEW YORK, NY
- **Employees**: 11 000
- **Website**: https://www.voya.com
- **Market cap**: $8.58B
- **Last price**: $94.67
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $8.17B
- **Net income**: $608M
- **Free cash flow**: $1.19B
- **Net debt**: $611M
- **P/E**: 14.1
- **Revenue growth (YoY)**: 3.2%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 75 |
| Growth | 45 |
| Profitability | 49 |
| Health | 55 |
| Quality | 47 |
| Moat | 6 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +3.2% YoY
- [x] Profitable — $608M TTM
- [x] Profit growing — +13.2% YoY
- [x] Generates cash — $1.19B TTM
- [x] Debt under control — ~0.5y of cash flow to repay
- [x] Established company — $8.58B market cap
- [x] Not printing shares — -7.1% shares over ~5y
- [x] Proven track record — 6/10 profitable years
- [ ] Financially stable — health score 35/100
- [x] Pays a dividend — yield 2.55%
- [x] Valuation not extreme — P/E 14.1

## Experience (career milestones)

- **FY2021** — Best year on record: $2.13B net income
- **FY2018** — Turned profitable: $875M net income after a loss year
- **FY2016** — Revenue already above $10B: $10.8B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2014** — The company rebranded itself as Voya Financial
- **2013** — Voya began as ING U.S., the United States operating subsidiary of ING Group

## Strengths

- None stand out in the data.

## Watch-outs

- Loss-making in 4 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $4.23B | $2.13B | $72.0M |
| FY2022 | $5.92B | $510M | $1.35B |
| FY2023 | $7.35B | $625M | $1.64B |
| FY2024 | $8.05B | $667M | $1.34B |
| FY2025 | $8.19B | $654M | $1.29B |

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Source: https://stockcv.com/VOYA — derived from company filings; may be delayed or incomplete. Information, not investment advice.