VOYA FINANCIAL (VOYA) Stock: Buy, Sell, or Hold?
$103.69
-0.58 (-0.56%)
▼
5d:
-0.9%
30d:
+8.55%
90d:
+2.58%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (23%)
Quality Score
39/100
Position
EXTENDED
30-Day Fair Range
$94.69 – $101.17
Position: EXTENDED
Forward P/E & Valuation
9.2x
STRETCHED
vs 7.7x historical avg
Wall Street Target
$109.00
+5.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$95.21 / $106.79
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: VOYA shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$167.25
Based on 14.2% avg growth
INTRINSIC VALUE TODAY
$103.85
0.2% 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 7.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: VOYA is currently trading at $103.69, which is considered extended relative to its 30-day fair value range of $94.69 to $101.17. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.2) compared to its historical average (7.7). At these levels, the market is pricing in 6.0% 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 $106.79. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: VOYA scores 18/100 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 showing sideways momentum. The price is approaching resistance at $106.79. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: VOYA scores 18/100 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
$94.69 -
$101.17
Company Quality Score
39/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
22.9%
Trading Range & Key Levels
30-Day Trading Range
$94.69 -
$101.17
Current vs Trading Range
EXTENDED
Support Level
$95.21
Resistance Level
$106.79
Current Trend
Sideways
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (18/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($109.00)
- NEUTRAL: Trading at premium valuation - market expects 6.0% growth which is achievable
- WARNING: Composite score 39/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.18
Wall Street Target
$109.00
(+5.1%)
Revenue Growth (YoY)
-4.8%
Earnings Growth (YoY)
16.1%
Profit Margin
7.8%
Valuation Premium vs History
+6.0% premium
PE vs Historical
9.2 vs 7.7
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.0%
(market-implied from PE analysis)
1-Year Target
$109.91
(+6%)
2-Year Target
$116.51
(+12%)
3-Year Target
$123.50
(+19%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$103.59
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 24.4%)
$431.73
(+316%)
Base:
(SPY PE: 9.2, Growth: 24.4%)
$199.56
(+93%)
Bear:
(PE: 7.7, Growth: 24.4%)
$167.39
(+61%)
📈
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: 16.74 | Current EPS (TTM): $6.23
Bull Case
$207.95
(+101%)
Analyst growth 81.3%, PE expands to 18.4
Base Case
$189.05
(+82%)
Market implied 81.3%, PE stable at 16.7
Bear Case
$70.90
(-32%)
Severe decline -20.0%, PE contracts to 14.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (VOYA)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 3, 2026
Daily AI digest
AI Retail Discussion Summary:
Voya Financial reported Q3 2026 earnings, beating EPS estimates with revenue growth of 4.3% YoY to $2.03 billion. Net premiums earned declined by 2.6% annually.
Key Retail Themes:
Revenue growth and earnings beat
Net premiums earned decline
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 1:06 AM ET
Data refreshes hourly during market hours. Next update: 2:06 AM
Data refreshes hourly during market hours. Next update: 2:06 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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