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Voya Financial, Inc. (VOYA) Stock Analysis

Recovery setup

SellModerate Confidence

Financial Services · Financial Conglomerates

Earnings in 5 days (2026-05-05). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Sell if holding. Analyst target reached at $82.51 — A.R:R is negative (-0.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (0.9% away).

Voya Financial provides workplace retirement solutions, investment management, and employee benefits to U.S. employers across Retirement, Investment Management, and Employee Benefits segments. It serves 18M+ individual customers and 50,000+ employer clients, including... Read more

$82.51-0.8% A.UpsideScore 6.1/10#2 of 4 Financial Conglomerates
Stop $77.35Target $81.88(resistance)A.R:R -0.6:1
Analyst target$86.00+4.2%11 analysts
$81.88our TP
$82.51price
$86.00mean
$70
$100

Sell if holding. Analyst target reached at $82.51 — A.R:R is negative (-0.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (0.9% away). Chart setup: Death cross but MACD improving, RSI 90. Score 6.1/10, moderate confidence.

Passes 5/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.70, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 5d<=7d. Suitability: moderate.

Thesis

Rewards
Attractive valuation
Recent Analyst detected in news
Risks
Analyst target reached - limited upside remaining
Near 52-week high (0.9% away)
Earnings in 5 days (event risk)

Key Metrics

P/E (TTM)12.9
P/E (Fwd)7.3
Mkt Cap$7.5B
EV/EBITDA10.9
Profit Mgn8.0%
ROE11.2%
Rev Growth5.0%
Beta0.85
Dividend2.29%
Rating analysts18

Quality Signals

Piotroski F9/9

Options Flow

P/C1.18bearish
IV55%elevated
Max Pain$115+39.4% vs spot

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

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.6=NEGATIVEEARNINGS PROXIMITY 5d<=7dMomentum 4.7<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.7>=4.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.70SEMI CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
90 · Overbought
20D MA 50D MA 200D MADEATH CROSSSupport $64.59Resistance $83.55

Price Targets

$77
$82
A.Upside-0.8%
A.R:R-0.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-9.3% upside)
! NEWS_MOD=-2: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-05-05 (5d)

Verdict History

reverse chrono — latest first
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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?

Sell if holding. Analyst target reached at $82.51 — A.R:R is negative (-0.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (0.9% away). Chart setup: Death cross but MACD improving, RSI 90. Prior stop was $77.35. Score 6.1/10, moderate confidence.

What is the VOYA stock price target?

Take-profit target: $81.88 (-0.8% upside). Prior stop was $77.35. Stop-loss: $77.35.

What are the risks of investing in VOYA?

Analyst target reached - limited upside remaining; Near 52-week high (0.9% away); Earnings in 5 days (event risk).

Is VOYA overvalued or undervalued?

Voya Financial, Inc. trades at a P/E of 12.9 (forward 7.3). TrendMatrix value score: 7.9/10. Verdict: Sell.

What do analysts say about VOYA?

18 analysts cover VOYA with a consensus score of 3.7/5. Average price target: $86.

What does Voya Financial, Inc. do?Voya Financial provides workplace retirement solutions, investment management, and employee benefits to U.S. employers...

Voya Financial provides workplace retirement solutions, investment management, and employee benefits to U.S. employers across Retirement, Investment Management, and Employee Benefits segments. It serves 18M+ individual customers and 50,000+ employer clients, including approximately 10M retirement plan participants and 12.2M benefits administration users via Benefitfocus.

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