VOYA FINANCIAL (VOYA) Stock: Buy, Sell, or Hold?
VOYA - VOYA FINANCIAL, INC.
$96.50
1.12 (1.17%)
▲
5d:
-0.79%
30d:
-5.75%
90d:
+0.23%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 03, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: VOYA shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: VOYA shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$167.08
Based on 14.4% avg growth
INTRINSIC VALUE TODAY
$103.74
7.0% Margin of Safety
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 7.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: VOYA is currently trading at $96.50, which is considered oversold relative to its 30-day fair value range of $97.20 to $103.04. From a valuation perspective, the stock is trading at a premium (Forward PE: 8.4) compared to its historical average (7.6). At these levels, the market is pricing in 3.5% annual earnings growth.
Technical Outlook: Technically, VOYA is in a strong uptrend. Immediate support is located at $91.85, while resistance sits at $102.20.
Market Sentiment: VOYA scores 22/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $108.08 (+13.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, VOYA is in a strong uptrend. Immediate support is located at $91.85, while resistance sits at $102.20.
Market Sentiment: VOYA scores 22/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $108.08 (+13.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$97.20 -
$103.04
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (22/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($108.08)
- BULLISH: Expecting earnings turnaround to 3.5% growth with -4.3% revenue growth
- WARNING: Composite score 49/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$97.20 -
$103.04
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$91.85
Resistance Level
$102.20
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.40
Wall Street Target
$108.08
(+13.3%)
Revenue Growth (YoY)
-4.3%
Earnings Growth (YoY)
-41.6%
Profit Margin
7.4%
Valuation Premium vs History
+3.5% premium
PE vs Historical
8.4 vs 7.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.5%
(market-implied from PE analysis)
1-Year Target
$98.72
(+4%)
2-Year Target
$102.17
(+7%)
3-Year Target
$105.75
(+11%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$95.73
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 24.7%)
$449.65
(+371%)
Base:
(SPY PE: 8.4, Growth: 24.7%)
$185.06
(+94%)
Bear:
(PE: 7.1, Growth: 24.7%)
$157.30
(+65%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 16.01 | Current EPS (TTM): $5.90
Bull Case
$200.11
(+110%)
Analyst growth 92.5%, PE expands to 17.6
Base Case
$181.92
(+91%)
Market implied 92.5%, PE stable at 16.0
Bear Case
$64.25
(-33%)
Severe decline -20.0%, PE contracts to 13.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 10:22 AM ET
Data refreshes hourly during market hours. Next update: 11:22 AM
Data refreshes hourly during market hours. Next update: 11:22 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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