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Voya Financial, Inc. (VOYA) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Financial Conglomerates

Hold if already holding. Not a fresh buy at $80.00, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.8% away).

Voya Financial provides workplace retirement plans (Retirement, $796.5B AUM/AUA), investment management (Investment Management, $286.9B third-party AUM), and employee benefits (Employee Benefits, group insurance and benefits administration via Benefitfocus) to over 50,000... Read more

$80.00+2.9% A.UpsideScore 5.8/10#2 of 4 Financial Conglomerates
QualityF-score9 / 9FCF yield20.08%
IncomeYield2.33%(5y avg 1.73%)Payout27.79%sustainable
Stop $75.32Target $82.32(resistance)A.R:R -0.6:1
Analyst target$88.09+10.1%11 analysts
$82.32our TP
$80.00price
$88.09mean
$74
$100

Hold if already holding. Not a fresh buy at $80.00, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.8% away). Chart setup: RSI 45 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 76d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Recent Developments — Voya Financial, Inc.

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Positive news sentiment (+1.00)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (4.8% away)
Consecutive earnings misses (2)

Key Metrics

P/E (TTM)12.1
P/E (Fwd)7.2
Mkt Cap$7.3B
EV/EBITDA10.3
Profit Mgn8.2%
ROE11.9%
Rev Growth3.1%
Beta0.93
Dividend2.33%
Rating analysts18

Quality Signals

Piotroski F9/9MoatNarrow

Options Flow

P/C0.03bullish
IV38%normal
Max Pain$60-25.0% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Obv
1.0
Volume
1.8
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 2.9<4.5A.R:R -0.6=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 76d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
45 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $73.89Resistance $84.00

Price Targets

$75
$82
A.Upside+2.9%
A.R:R-0.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-4.2% upside)
! Momentum score 2.9/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-08-04 (76d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is VOYA stock a buy right now?

Hold if already holding. Not a fresh buy at $80.00, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.8% away). Chart setup: RSI 45 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $82.32 (+2.9%), stop $75.32 (−6.2%), A.R:R -0.6:1. Score 5.8/10, moderate confidence.

What is the VOYA stock price target?

Take-profit target: $82.32 (+2.9% upside). Target $82.32 (+2.9%), stop $75.32 (−6.2%), A.R:R -0.6:1. Stop-loss: $75.32.

What are the risks of investing in VOYA?

Analyst target reached - limited upside remaining; Near 52-week high (4.8% away); Consecutive earnings misses (2).

Is VOYA overvalued or undervalued?

Voya Financial, Inc. trades at a P/E of 12.1 (forward 7.2). TrendMatrix value score: 7.9/10. Verdict: Hold.

What do analysts say about VOYA?

18 analysts cover VOYA with a consensus score of 3.7/5. Average price target: $88.

What does Voya Financial, Inc. do?Voya Financial provides workplace retirement plans (Retirement, $796.5B AUM/AUA), investment management (Investment...

Voya Financial provides workplace retirement plans (Retirement, $796.5B AUM/AUA), investment management (Investment Management, $286.9B third-party AUM), and employee benefits (Employee Benefits, group insurance and benefits administration via Benefitfocus) to over 50,000 employer and institutional clients and 18 million individual customer relationships. Total AUM/AUA was $1.1 trillion as of December 31, 2025.

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