Voya Financial (VOYA): Investigating Potential Undervaluation Following Recent Decline in Share Price
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 20 2025
0mins
Should l Buy VOYA?
Source: Yahoo Finance
Recent Performance: Voya Financial (VOYA) shares have declined about 4% over the past week, continuing a downward trend, with a one-year total shareholder return of -11.2%, raising concerns about future growth potential.
Valuation Insights: Currently trading at a discount to analyst targets, Voya Financial is considered potentially undervalued, with a fair value estimate of $85.40, contingent on the company's ability to grow earnings and improve margins.
Strategic Focus: The company is emphasizing holistic financial wellness and bundled employee benefit solutions to enhance client retention and cross-selling, which could lead to increased net revenues and customer lifetime value.
Risks and Opportunities: While there are optimistic growth assumptions driving the bullish narrative, challenges such as ongoing fee pressure and unpredictable medical costs could impact Voya's margin improvements and overall outlook.
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Analyst Views on VOYA
Wall Street analysts forecast VOYA stock price to rise
8 Analyst Rating
6 Buy
1 Hold
1 Sell
Moderate Buy
Current: 74.100
Low
84.00
Averages
88.00
High
93.00
Current: 74.100
Low
84.00
Averages
88.00
High
93.00
About VOYA
Voya Financial, Inc. is a provider of workplace benefits and savings solutions and technologies. Wealth Solutions segment provides retirement plan solutions and administration technology and services to employers. Its products and services include full-service and recordkeeping-only defined contribution plan administration; stable value and fixed general account investment products; and services to promote the financial well-being and retirement security of employees. Health Solutions segment provides worksite employee benefits, Health Account Solutions, leave management, financial wellness and decision support products and services to mid-size and large corporate employers and professional associations. Investment Management segment serves both individual and institutional customers, offering them domestic and international fixed income, equity, multi-asset and alternative investment products and solutions across a range of geographies, investment styles and capitalization spectrums.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Shareholder Record Dates: The dividend will be payable on March 27, with a record date of February 25 and an ex-dividend date also on February 25, ensuring shareholders receive timely returns and reinforcing shareholder trust.
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- Equipment Rental Agreement: Solaris Power Solutions LLC entered into a Master Equipment Rental Agreement with Delaware-based Hatchbo LLC to provide over 500 megawatts of power generation equipment, which is expected to enhance revenue streams by supporting Hatchbo's AI computing needs at its data centers.
- Lease Terms Details: The initial rental term starts on January 1, 2027, lasting ten years or until a power purchase agreement is signed, with early termination requiring 30 days' notice and 50% payment of remaining rental fees, providing flexibility for the company.
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- Outstanding Financial Performance: Voya Financial achieved over $1 billion in pretax adjusted operating earnings for 2025, an increase of $168 million from last year, indicating strong financial health and profitability that is expected to enhance shareholder returns.
- Retirement Business Growth: The retirement segment saw net inflows surpassing $28 billion, with participant accounts nearing 10 million, reflecting the company's competitive position and expanding client base, which will support future revenue growth.
- Investment Management Innovation: The Investment Management division reported a record $1 billion in annual net revenue with 4.8% organic growth, significantly exceeding long-term targets, showcasing the company's strong performance and market recognition in asset management.
- Employee Benefits Improvement: The Employee Benefits segment's adjusted operating earnings reached $152 million, a substantial increase from last year, particularly in Stop Loss, where increased rates and disciplined reserving are expected to continue improving margins and enhance future profitability.
See More
Voya Financial Reports Q4 Earnings Miss with Strong Revenue Growth
- Earnings Performance: Voya Financial reported a Q4 non-GAAP EPS of $1.94, missing expectations by $0.14, indicating potential pressure on profitability that could affect investor confidence.
- Revenue Growth: The company achieved $2.11 billion in revenue for Q4, a 5.0% year-over-year increase that beat market expectations by $120 million, demonstrating ongoing business expansion and enhancing competitive positioning.
- Annual Performance: Voya delivered over $1 billion in pre-tax adjusted operating earnings for the full year, showcasing strong performance in asset management and further solidifying its market position.
- Capital Generation: The firm generated approximately $775 million in excess capital for the year, a 19% increase, providing robust support for future investments and shareholder returns, thereby enhancing financial flexibility.
See More
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- Earnings Announcement Date: Voya Financial is set to release its Q4 earnings on February 3rd after market close, with a consensus EPS estimate of $2.08, reflecting a significant year-over-year increase of 48.6%, which could positively impact the stock price.
- Revenue Expectations: The anticipated revenue for Q4 is $1.99 billion, representing a slight decline of 1.0% year-over-year, indicating challenges in the market environment; however, the company's overall financial health remains a point of interest.
- Historical Performance Review: Over the past two years, Voya has exceeded EPS and revenue estimates 88% of the time, a consistent performance that boosts investor confidence and may attract additional capital inflows.
- Capital Generation Goals: Voya plans a $150 million share repurchase in Q1 and targets over $700 million in full-year capital generation, demonstrating confidence in its value and potentially enhancing EPS, thereby increasing shareholder returns.
See More
Voya Financial Declares Quarterly Dividend of $0.47
- Quarterly Dividend Declaration: Voya Financial has declared a quarterly dividend of $0.47 per share, consistent with previous distributions, indicating stable cash flow and profitability, which is likely to attract more income-focused investors.
- Dividend Yield: The forward yield of 2.45% reflects the company's attractiveness in the current market environment, potentially increasing investor interest in its stock.
- Shareholder Record Dates: The dividend will be payable on March 27, with a record date of February 25 and an ex-dividend date also on February 25, ensuring shareholders receive timely returns and reinforcing shareholder trust.
- Share Repurchase Plan: Voya Financial plans to repurchase $150 million worth of shares in Q1, demonstrating confidence in its stock while also helping to enhance earnings per share and increase shareholder value.
See More
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- Transformation Signal: UBS initiates coverage of Bread Financial with a Buy rating and a $92 price target, indicating that the company is approaching the next phase of its turnaround, which may attract more investor interest.
- Market Challenges: Needham downgrades Nike to Hold, citing slow progress in its turnaround and concerns over the recent sell-in levels to the North American wholesale channel, with expectations for the next 12-24 months appearing too high.
See More
