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Stock Ratings / Financials / VOYA
PRI (66) JXN (60) LNC (40) GL (66) ⌘ Pro Terminal →

Voya Financial Inc. (VOYA) — RQD Stock Rating Cockpit

$99.42 +1.40% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $99.91

Voya Financial Inc. (VOYA) earns a Roarable Rating of B+ (Buy) with 76/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B+ • BUY Cap $8.88B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on VOYA Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is VOYA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Voya Financial Inc. (NYSE: VOYA) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $99.42 (+1.40% 1D, market cap $8.88B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, VOYA ranks #30 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does VOYA compare to PRI and JXN in the Financials sector?
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Within the Financials sector (Life Insurance), VOYA carries a Roarable B+ (76/100 RQD), trailing P/E of 13.6x, gross margin of —, and ROIC of 85.0%. By comparison, PRI (Primerica Inc.) holds a C+ grade (66/100 RQD, P/E 24.4x, ROIC 5.2%, cap $8.65B) and JXN (Jackson Financial Inc. (Class A)) posts a C- grade (60/100 RQD, P/E N/A, ROIC 0.0%, cap $9.14B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while VOYA leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for VOYA?
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Per VOYA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001535929), Voya Financial Inc. generated $2.25B in revenue (+4.9% YoY), $654.0M in net income, and $1.19B in free cash flow against $178.86B in total assets and $1.52B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $99.91 (+0.49%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 52.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B+
025507510076
3-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B+ · Rk B-
Cash (18)Whales (12)SEC (15)Macro (13)CEO (18)
Each axis scored 0–20
12M PRICE TARGET CONE+8.1% Base Target
$127 Bull$107 Base$82 Bear
📬 FREE VOYA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for VOYA)Realized 20D OHLCV Swing Band: ±4.5%
Deterministic 5-Pillar Attribution (76/100 Composite)
🔍 WHY VOYA SCORES 76/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 52.6% FCF Margin ($1.19B FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
68
Grade B-$95.12+1.3% Next Q
Q2 (-2Q)
71
Grade B$96.34+0.2% Next Q
Q3 (-1Q)
73
Grade B$96.56+3% Next Q
Current
76
Grade B+$99.42+7.6% Hist 90D α
Trajectory: B- (68) → B+ (76)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the VOYA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 76/100 (B+) score, VOYA faces multiple-compression risk if 13.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($98.47) or 200D SMA ($86.60) invalidates the momentum regime and cuts Target Base ($107.47) toward Bear Floor ($81.52).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $VOYA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “VOYA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 76%NO 24%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
53.830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE85% OF RANGE
L: $65$99.42H: $106
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bullish on VOYA

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (90)

85.0% ROIC with 42.0% gross margin and 13.31% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (72)

30/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like VOYA
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (VOYA Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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VOYA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.21%📐 HORIZONTAL RANGE
2026-11-03O $98.39H $99.42L $98.05C $99.42VOL 804.4K
RES: $107.8SUP: $90.04SMA50: $98.47SMA200: $86.60
$108.1$98.05$88.05$78.05$68.05RES $107.8SUP $90.04$99.422026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

VOYA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 VOYA Butterfly Map → + Track VOYA →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.1%/yr Implied 5Y Growth

vs. +4.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on VOYA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for VOYA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for VOYA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (VOYA)

Financials Rank #30 of 1097 ⚔️ PRI vs VOYA Full Matrix →

1. Head-to-Head Financials Peer Comparison (VOYA vs. PRI, JXN, LNC, GL)

Industry: Life Insurance (18 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Voya Financial Inc. (VOYA) ranks #30 by composite RQD confidence (76/100, grade B+) and #201 by equity capitalization ($8.88B). Within this direct 5-issuer industry benchmark cohort, LNC leads on earnings valuation at 6.7x trailing P/E, while VOYA leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. VOYA currently leads its immediate peer cohort in composite quantitative strength at 76/100 (B+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
VOYA ACTIVE
Voya Financial Inc.
B+ 76/100 13.6x — 85.0% +1.40% $8.88B Benchmark Subject
PRI
Primerica Inc.
C+ 66/100 24.4x — 5.2% +0.86% $8.65B /pri-vs-voya →
JXN
Jackson Financial Inc. (Class A)
C- 60/100 — — 0.0% +2.01% $9.14B /jxn-vs-voya →
LNC
Lincoln National Corporation
D- 40/100 6.7x — 0.9% +1.51% $7.85B /lnc-vs-voya →
GL
Globe Life Inc.
C+ 66/100 10.6x — 24.3% +0.45% $12.23B /gl-vs-voya →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001535929 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Voya Financial Inc. (VOYA) reported GAAP revenue of $2.25B (+4.9% vs. FY2024 revenue of $2.15B , and +16.3% cumulative change since FY2023) , GAAP net income of $654.0M, operating cash flow of $1.29B, and free cash flow of $1.19B (-4.9% YoY). On the balance sheet, VOYA closed FY2025 with $178.86B in total assets against $1.52B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.25B $654.0M $1.29B $1.19B $178.86B $1.52B
FY2024 (FY) 2024-12-31 $2.15B $667.0M $1.34B $1.25B $163.89B $2.10B
FY2023 (FY) 2023-12-31 $1.94B $625.0M $1.64B $1.55B $4.90B $1.15B

3. VOYA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is VOYA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Voya Financial Inc. (NYSE: VOYA) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $99.42 (+1.40% 1D, market cap $8.88B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, VOYA ranks #30 in composite RQD confidence.

How does VOYA compare to PRI and JXN in the Financials sector?

Within the Financials sector (Life Insurance), VOYA carries a Roarable B+ (76/100 RQD), trailing P/E of 13.6x, gross margin of —, and ROIC of 85.0%. By comparison, PRI (Primerica Inc.) holds a C+ grade (66/100 RQD, P/E 24.4x, ROIC 5.2%, cap $8.65B) and JXN (Jackson Financial Inc. (Class A)) posts a C- grade (60/100 RQD, P/E N/A, ROIC 0.0%, cap $9.14B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while VOYA leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for VOYA?

Per VOYA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001535929), Voya Financial Inc. generated $2.25B in revenue (+4.9% YoY), $654.0M in net income, and $1.19B in free cash flow against $178.86B in total assets and $1.52B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is VOYA trading relative to its 50-day, 200-day, and 52-week technical levels?

VOYA last traded at $99.42 (+1.40% on volume of 1,257,348 shares), positioning the stock +0.96% above its 50-day simple moving average ($98.47) and +14.80% above its 200-day simple moving average ($86.60). Across its 52-week range of $64.50 to $105.64, VOYA sits at the 84.9% percentile with a 14-day RSI of 53.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($94.95 to $103.89).

Direct Sub-Reports: VOYA RQD Cockpit VOYA 12M Forecast VOYA Earnings & Move VOYA Dividends & DRIP VOYA Insiders & 13F VOYA Whale Options VOYA Profit Sankey VOYA News & Why
ROARABLE RATING BRIEF • RQD 76/100 (B+) ✓ SEC XBRL & RQD VERIFIED

VOYA — Voya Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Voya Financial Inc. (VOYA) earns a live Roarable RQD composite score of 76/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $99.42 (+1.40% 1D, market capitalization $8.88B).

  • Fundamental Cash Engine (18/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of —, operating margin of 46.0%, and free cash flow yield of 13.31%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (15/20): Incorporates a 0.91x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Voya Financial Inc. Is a NYSE-listed issuer in the Financials sector and Life Insurance industry, . The profile does not describe its specific product lines, customer segments, or revenue model. The company reports annual revenue, operating income, and net income across three fiscal years, but the source does not break these down by business line.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Voya Financial Inc. (VOYA) reported $2.25B in annual revenue (up from $2.15B in FY2024, +4.9% YoY) and $654.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.94B revenue, $625.0M net income) through FY2025, VOYA scaled operating cash flow to $1.29B and free cash flow to $1.19B, backed by $178.86B in total assets against $1.52B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B+ • RQD 76/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 18/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $64.50 – $105.64 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.6x trailing P/E and 4.0x EV/EBITDA against 46.0% operating margins and a 0.91x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream links are recorded (supply chain: NONE; butterfly links: empty). Sector correlations and 2nd-order bottlenecks are — Investors should note that the absence of graph data does not indicate the absence of dependencies; it indicates only that none are captured in this source.

  • Key Question #1: Can VOYA sustain or expand its 46.0% operating margin and 85.0% ROIC against Life Insurance peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.25B and free cash flow of $1.19B, how will capital allocation balance growth reinvestment against $1.52B in total debt?
  • Key Question #3: How sensitive is VOYA's 12.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.91x)?

VOYA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Voya Financial Inc. (VOYA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to VOYA Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

VOYA Bull vs. Bear Conversation Board — What's Your Call at $99.42?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON VOYA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on VOYA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $129.43 (+32.0%)
📌 Pinned Debate

Per the Roarable RQD rating, an 85% ROIC, 13.31% FCF yield, and 13.6 TTM P/E combine with an 8 of 9 Piotroski score to suggest strong c

Long VOYA at $98.05 targeting $129.43. Per the Roarable RQD rating, an 85% ROIC, 13.31% FCF yield, and 13.6 TTM P/E combine with an 8 of 9 Piotroski score to suggest strong cash generation at a modest valuation.. Institutional whale score is 12/20 and the risk/reward vs. the $64.50 52-week low is skewed heavily in favor of bulls.

SectorRotator 🐂 BULL

@MeanReversion_88 Fair point on 13.6x trailing P/E, but you're ignoring the forward operating leverage in Life Insurance. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $79.42 (-19.0%)
Spot @ $98.05

Governance uncertainty from a reported TOMS Capital proxy fight and board no-confidence push, alongside debt that rose from $1.15B to

Here is the bear case nobody on the bull side wants to address on VOYA: Governance uncertainty from a reported TOMS Capital proxy fight and board no-confidence push, alongside debt that rose from $1.15B to $2.10B before falling to $1.52B, adds risk the numeric pillars do not capture.. At 13.6x trailing P/E, even a small guidance miss in Life Insurance triggers a 12-15% air pocket.

LIVE TAPE