VOYA FINANCIAL (VOYA) Stock: Buy, Sell, or Hold?
VOYA - VOYA FINANCIAL, INC.
$98.42
2.08 (2.16%)
▲
5d:
+3.47%
30d:
+1.08%
90d:
-0.17%
BUY
HIGH Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 02, 2026
9d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: VOYA shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: VOYA shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$166.41
Based on 14.4% avg growth
INTRINSIC VALUE TODAY
$103.33
4.8% 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 $98.42, which is considered slightly high relative to its 30-day fair value range of $94.62 to $99.61. From a valuation perspective, the stock is trading at a premium (Forward PE: 8.7) compared to its historical average (7.6). At these levels, the market is pricing in 4.5% annual earnings growth.
Technical Outlook: Technically, VOYA is in a uptrend. The price is approaching resistance at $98.61. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: VOYA scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, VOYA is in a uptrend. The price is approaching resistance at $98.61. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: VOYA scores 74/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$94.62 -
$99.61
Company Quality Score
67/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Strong technical setup (74/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($107.83)
- BULLISH: Expecting earnings turnaround to 4.5% growth with -4.3% revenue growth
- BULLISH: Bottoming setup score 74/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$94.62 -
$99.61
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$92.74
Resistance Level
$98.61
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.70
Wall Street Target
$107.83
(+9.6%)
Revenue Growth (YoY)
-4.3%
Earnings Growth (YoY)
-41.6%
Profit Margin
7.4%
Valuation Premium vs History
+4.5% premium
PE vs Historical
8.7 vs 7.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.5%
(market-implied from PE analysis)
1-Year Target
$102.85
(+5%)
2-Year Target
$107.48
(+9%)
3-Year Target
$112.31
(+14%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$98.13
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 24.7%)
$435.38
(+342%)
Base:
(SPY PE: 8.7, Growth: 24.7%)
$190.69
(+94%)
Bear:
(PE: 7.4, Growth: 24.7%)
$162.08
(+65%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 16.22 | Current EPS (TTM): $5.94
Bull Case
$201.87
(+105%)
Analyst growth 90.5%, PE expands to 17.8
Base Case
$183.52
(+87%)
Market implied 90.5%, PE stable at 16.2
Bear Case
$65.51
(-33%)
Severe decline -20.0%, PE contracts to 13.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 8:03 PM ET
Data refreshes hourly during market hours. Next update: 9:03 PM
Data refreshes hourly during market hours. Next update: 9:03 PM
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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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