Voya Financial

VOYA US Financials Multi-Sector Holdings
S&P 400
$103.41
+0.72%
Delayed · cached 15 min

Fair value analysis

VOYA
Voya Financial
FinancialsMulti-Sector Holdings
$103.41
Close used for this calculation
$125.62Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
67/100
Profitability25/25
Returns10/25
Balance Sheet14/25
Efficiency18/25
Growth23/25
Strong
Quality radar
67Prof.25/25Ret.10/25Eff.18/25B.Sht14/25Growth23/25

Consensus fair value

$125.62
Below FV
▲ +21.5% against the close used
Model range $83.84 – $172.43
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$83.84Fair value$125.62Bull$172.43
FairClose
52-week traded range
52W low $65.5152W high $104.86

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Voya Financial closed at $103.41, 17.7% below the consensus fair value of $125.62 drawn from 9 valuation models.

Financial DNA score 67/100 — Strong. P/E of 16.4x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$124.85
+20.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$84.70
-18.1%
√(22.5 × EPS × BVPS)
EPS=6.29, BVPS=50.69 · outside Graham range (P/E 16.4, P/B 2) — asset-light, treat as a rough floor
P/E Fair Value
$125.80
+21.7%
EPS × 20x (sector P/E)
EPS=6.29, Sector P/E=20x
Peter Lynch (PEG)
$145.87
+41.1%
EPS × Growth% (PEG = 1 is fair)
EPS=6.29, g=23.2%
EV/EBITDA
$172.43
+66.7%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=1.04B
Dividend Discount (DDM)
$98.28
-5.0%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.82, r=10%, g=8%
Book Value (P/B)
$100.88
-2.5%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=50.69, ROE=14%, g=6%, r=10%
Reverse DCF
$103.41
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 4.5% | Historical: 23.2%
Margin of Safety
$83.84
-18.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=111.78, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.