Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Why VOYA Stock slipped -0.35% Today — RQD Quant Desk Flash
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.
🤖 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 $98.05 (-0.35% 1D, market cap $8.88B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 18/20. Across 1096 tracked Financials issuers, VOYA ranks #29 in composite RQD confidence.
🤖 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).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 52.6% FCF Margin ($1.19B FCF) & 52% Gross Margin
SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
⚔️ Adversarial Opposing Case: Why the VOYA Bull Thesis Could Fail
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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 ($105.99) toward Bear Floor ($80.40).
Why VOYA Stock slipped -0.35% Today — RQD Quant Desk Flash
Voya Financial Inc. (VOYA) slipped -0.35% to $98.05, trading at 82% of its 52-week range ($64.5 – $105.64). High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 82% of its 52-week range ($64.5 – $105.64) with RSI-14 at 53.8 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.5% around $98.05 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B+ (Buy) backed by 52% gross margin and $1.2B annual free cash flow.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Weekly CEF update: sector performance, muni resilience, commodity weakness, HERZ tender results, and CLO equity selloff. Read the full analysis here.
Financial services company Voya Financial (NYSE:VOYA) will be reporting results this Monday after the bell. Here’s what to expect.
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
VOYA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +4.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on VOYA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for VOYA. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (VOYA)
1. Head-to-Head Financials Peer Comparison (VOYA vs. PRI, JXN, LNC, GL)
Industry: Life Insurance (18 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Voya Financial Inc. (VOYA) ranks #29 by composite RQD confidence (76/100, grade B+) and #200 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% | -0.35% | $8.88B | Benchmark Subject |
| PRI Primerica Inc. | C+ | 66/100 | 24.4x | — | 5.2% | -0.87% | $8.65B | /pri-vs-voya → |
| JXN Jackson Financial Inc. (Class A) | C- | 60/100 | — | — | 0.0% | -0.76% | $9.14B | /jxn-vs-voya → |
| LNC Lincoln National Corporation | D- | 40/100 | 6.7x | — | 0.9% | -0.87% | $7.85B | /lnc-vs-voya → |
| GL Globe Life Inc. | C+ | 66/100 | 10.6x | — | 24.3% | -0.85% | $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 0001535929In 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 ENABLEDIs 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 $98.05 (-0.35% 1D, market cap $8.88B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 18/20. Across 1096 tracked Financials issuers, VOYA ranks #29 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 $98.05 (-0.35% on volume of 804,393 shares), positioning the stock -0.43% below its 50-day simple moving average ($98.47) and +13.22% above its 200-day simple moving average ($86.60). Across its 52-week range of $64.50 to $105.64, VOYA sits at the 81.6% percentile with a 14-day RSI of 53.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($93.64 to $102.46).
VOYA Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is VOYA stock moving today?
Why VOYA Stock slipped -0.35% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
VOYA — Voya Financial Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, VOYA scores 78 out of 100 (grade B+, labeled "Roarable Buy — Very Good Cash & Smart-Money Inflow"). The five pillars are:
- Fundamental Cash Engine (18 / 20): Per the Roarable RQD rating, ROIC is 85% and FCF yield is 13.31%. For an investor, these are the strongest inputs in the score, suggesting the business converts capital into cash at a high rate relative to its equity base. Upside drivers would be sustained cash generation; the tradeoff is that high FCF yield figures depend on the source's calculation and should be verified against filings.
- Whale 13F Flow (14 / 20): Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The score is moderate. Source data for holder-level detail is not available, so the basis for this pillar cannot be independently traced in this dossier.
- Insider Conviction (18 / 20): Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. The score is high, but the underlying trade-level records are not included in the source data.
- Macro Regime Fit (13 / 20): Per the Roarable RQD rating, beta is 0.91 and the score reflects sector sensitivity. A beta below 1 implies lower-than-market price sensitivity historically, which may appeal to investors seeking lower volatility, though it does not guarantee future behavior.
- Forensic Balance Sheet (15 / 20): Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 8 of 9, and Debt/Equity is 0.5. These point to a reasonably sound balance sheet on the reported metrics, with the Piotroski reading being a notable strength.
Investor implications: The composite suggests strong cash metrics and forensic health, with valuation (P/E TTM 13.6, forward P/E 12.6) appearing modest relative to the cash-based metrics. Valuation tradeoffs include the fact that low multiples can reflect market concerns that the source data does not explain. The news flow includes a proxy-fight headline, which introduces governance uncertainty not captured in the numeric pillars. This is an analytical framework, not personalized advice.
Snapshot
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $2255.0M | $1038.0M | $654.0M | N/A | $1186.5M | N/A | $1518.0M |
| FY 2024 | $2150.0M | $870.0M | $667.0M | N/A | $1248.2M | N/A | $2103.0M |
| FY 2023 | $1939.0M | $916.0M | $625.0M | N/A | $1550.7M | N/A | $1147.2M |
Per the SEC financials, revenue grew from $1939.0M (FY 2023) to $2255.0M (FY 2025), while net income moved from $625.0M to $654.0M, with FY 2024 at $667.0M. Per the market data, operating margin is 46%, net margin is 29%, and ROIC is 85%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8 of 9. Reported debt moved from $1147.2M (FY 2023) to $2103.0M (FY 2024) and $1518.0M (FY 2025); Debt/Equity is 0.5 per the RQD forensic pillar. Cash figures and EPS for the periods are not available in source data.
Recent Catalysts & News Wire Analysis
Per the recent news section, six headlines were captured:
- Proxy-fight and governance: Two headlines reference a TOMS Capital proxy fight and a board "no confidence" push, both flagged YELLOW (market wire). These are governance risk watch items; the source does not detail outcomes.
- Analyst sentiment: A Benzinga headline references an analyst no longer being bullish, flagged GREEN (catalyst) in the feed. The source does not identify the firm or the rating change.
- Retirement/AI product: A Stock Titan headline describes AI tools helping customers move from retirement guidance to action (YELLOW, market wire).
- Valuation commentary: A Yahoo Finance headline references a "2 Reasons to Sell" argument (YELLOW).
- Dividend action: A Yahoo Finance headline reports an increase in the common dividend and a preferred stock dividend declaration (YELLOW).
Per the Butterfly Supply-Chain Graph, sector is Financials, industry is Life Insurance, supply chain is NONE, with no butterfly links and no proprietary signals.
Open Questions
- What is the outcome and timing of the TOMS Capital proxy fight, and how would board changes affect strategy and capital allocation?
- Why did reported debt rise from $1147.2M (FY 2023) to $2103.0M (FY 2024) before falling to $1518.0M (FY 2025), and what drove the swings?
- What are the cash balance and EPS for each reported period, which the source lists as N/A?
- Which institutions and insiders drove the 13F and Form 4 pillar scores, and at what sizes and dates?
- What business lines generate the revenue and operating income, and how sensitive are they to interest rates and retirement-market flows?
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
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Voya Financial Inc. (VOYA) market action, institutional positioning, and fundamental catalysts.
VOYA Bull vs. Bear Conversation Board — What's Your Call at $98.05?
🔥 Official Bull vs. Bear Debate: Is VOYA (B+ • RQD 78/100) a Buy at $98.39?
Welcome to the VOYA (Voya Financial Inc.) Roar Pit. Current RQD Composite is 78/100 (Roarable Buy — Very Good Cash & Smart-Money Inflow) in Life Insurance. Bulls point to capital efficiency (85.0% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on VOYA — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on VOYA, but look at what you are paying: 13.6x trailing P/E with tightening sector spreads. Unless Voya Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
VOYA cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on VOYA, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $98.39 (52-wk range $64.50 - $105.64), any beat on forward guidance forces shorts and underweight funds to chase.