NYSE
VOYA
Last Price
US $92.71
KEY FIGURES
MKT CAP
$8.3B
EPS
TTM
$7.08
PEG
TTM
N/M
P/E
TTM
13.58x
P/S
TTM
1.10x
YIELD
2.04%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
14.17%
Return on equity
ROIC: 0.45%
Valuation History
13.6X
Price to Earnings
EV/EBITDA: 8.9X
Cash flow
Profit margin
-0.40%
(FY vs FY)
EBITDA Y/Y
-13.47%
(FY vs FY)
Cash flow Y/Y
-1.11%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $92.71
53.01%
Default assumptions
EBITDA Multiple
Fair Value
Market $92.71
-89.21%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Voya Financial, Inc. cash flow to debt ratio of 61.22% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Voya Financial, Inc.'s free cash flow has increased 41.38% from $911.00M last year to $1.29G, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Voya Financial, Inc.'s debt to equity ratio is 0.54, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Voya Financial, Inc.'s debt has decreased relative to shareholder equity from 0.90 last year to 0.54 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Voya Financial, Inc. has a net debt to EBITDA ratio of 3.36x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Voya Financial, Inc.'s interest coverage ratio of 4.28 indicates that earnings with good margin can cover interest payments on company debt
Financial stability - Profit margin growth.
Voya Financial, Inc.'s profit margin has increased (338.40%) in the last year from 8.29% to 36.32%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Voya Financial, Inc.'s short-term assets of $11.94G exceed its short-term liabilities of $586.00M
Decreasing performance - ROA.
Voya Financial, Inc.'s return on assets of 0.39% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Voya Financial, Inc.'s return on equity of 14.17%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Voya Financial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Voya Financial, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Voya Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Voya Financial, Inc. has a free cash flow yield of 15.59%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
Voya Financial, Inc.'s yearly earnings has decreased -1.95% since last year from $667.00M to $654.00M, signaling decreasing performance
Decreasing performance - Healthy revenue growth.
Voya Financial, Inc.'s yearly revenue has decreased -6.88% since last year from $8.05G to $7.50G, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 0.45% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Voya Financial, Inc.'s 3-year revenue CAGR of 8.12% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Voya Financial, Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Voya Financial, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Voya Financial, Inc. is undervalued relative to its fair value price of 141.86 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Voya Financial, Inc. has an earnings yield of 7.77%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Voya Financial, Inc. is overvalued relative to its fair value price of 10.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Voya Financial, Inc. has an EV/EBITDA ratio of 8.88x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Voya Financial, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Voya Financial, Inc. has a price-to-book ratio of 1.88x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Voya Financial, Inc. has a price-to-sales ratio of 4.41x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue