VOYA FINANCIAL (VOYA) Stock: Buy, Sell, or Hold?
VOYA - VOYA FINANCIAL, INC.
$103.41
0.74 (0.72%)
▲
5d:
-1.38%
30d:
+3.94%
90d:
+13.76%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 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
$163.85
Based on 14.2% avg growth
INTRINSIC VALUE TODAY
$101.74
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 7.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: VOYA is currently trading at $103.41, which is considered extended relative to its 30-day fair value range of $99.17 to $102.73. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.1) compared to its historical average (7.5). At these levels, the market is pricing in 6.7% annual earnings growth.
Technical Outlook: Technically, VOYA is in a strong uptrend. The price is approaching resistance at $105.64. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: VOYA scores 36/100 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. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, VOYA is in a strong uptrend. The price is approaching resistance at $105.64. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: VOYA scores 36/100 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. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$99.17 -
$102.73
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
27.1%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (36/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($108.08)
- BULLISH: Expecting earnings turnaround to 6.7% 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
$99.17 -
$102.73
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$100.19
Resistance Level
$105.64
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.10
Wall Street Target
$108.08
(+4.5%)
Revenue Growth (YoY)
-4.3%
Earnings Growth (YoY)
-41.6%
Profit Margin
7.4%
Valuation Premium vs History
+6.7% premium
PE vs Historical
9.1 vs 7.5
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.7%
(market-implied from PE analysis)
1-Year Target
$110.34
(+7%)
2-Year Target
$117.73
(+14%)
3-Year Target
$125.62
(+22%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$103.50
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 24.4%)
$441.54
(+327%)
Base:
(SPY PE: 9.1, Growth: 24.4%)
$199.26
(+93%)
Bear:
(PE: 7.5, Growth: 24.4%)
$164.18
(+59%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 17.20 | Current EPS (TTM): $5.97
Bull Case
$214.91
(+108%)
Analyst growth 90.3%, PE expands to 18.9
Base Case
$195.37
(+89%)
Market implied 90.3%, PE stable at 17.2
Bear Case
$69.82
(-33%)
Severe decline -20.0%, PE contracts to 14.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 12:47 AM ET
Data refreshes hourly during market hours. Next update: 1:47 AM
Data refreshes hourly during market hours. Next update: 1:47 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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