VOYA Stock Analysis: Buy, Sell, or Hold?
VOYA - VOYA FINANCIAL, INC.
$81.78
0.26 (0.32%)
▲
5d:
+2.62%
30d:
+11.36%
90d:
+10.36%
BUY
MODERATE Confidence
Analysis Updated: May 14, 2026 12:00 AM ET
Earnings: Aug 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: VOYA shows positive signals but monitor for confirmation. Market pricing in 2.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: VOYA shows positive signals but monitor for confirmation. Market pricing in 2.5% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$126.78
Based on 11.1% avg growth
INTRINSIC VALUE TODAY
$78.72
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: VOYA is currently trading at $81.78, which is considered slightly high relative to its 30-day fair value range of $72.13 to $82.08. The stock's valuation (Forward PE: 7.4) is in line with its historical norms (6.8). At these levels, the market is pricing in 2.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, VOYA is showing sideways momentum. The price is approaching resistance at $84.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, VOYA is showing sideways momentum. The price is approaching resistance at $84.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$72.13 -
$82.08
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($88.09)
- NEUTRAL: Market pricing in 2.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$72.13 -
$82.08
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$78.40
Resistance Level
$84.00
Current Trend
Sideways
Technical data as of
May 14, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.37
Wall Street Target
$88.09
(+7.7%)
Revenue Growth (YoY)
3.1%
Earnings Growth (YoY)
23.2%
Profit Margin
8.2%
Valuation Premium vs History
+2.5% premium
PE vs Historical
7.4 vs 6.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.5%
(market-implied from PE analysis)
1-Year Target
$83.82
(+3%)
2-Year Target
$85.92
(+5%)
3-Year Target
$88.07
(+8%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
PE COMPRESSION
$81.25
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 18.1%)
$403.28
(+393%)
Base:
(SPY PE: 7.4, Growth: 18.1%)
$134.86
(+65%)
Bear:
(PE: 6.3, Growth: 18.1%)
$114.63
(+40%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 12.31 | Current EPS (TTM): $6.62
Bull Case
$150.30
(+84%)
Analyst growth 67.6%, PE expands to 13.6
Base Case
$136.63
(+67%)
Market implied 67.6%, PE stable at 12.3
Bear Case
$55.43
(-32%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 14, 2026 11:20 PM ET
Data refreshes hourly during market hours. Next update: 12:20 AM
Data refreshes hourly during market hours. Next update: 12:20 AM
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Technical Signals Check
Is VOYA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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