📊 AI Stock Rating — Summary

Voya Financial reported revenues of $2.13 billion and net income of $192 million for the quarter ending September 30, 2025, resulting in earnings per share (EPS) of $1.83. The company generated a free cash flow of $168 million, reflecting a stable cash flow profile despite no capital expenditure. Year-over-year growth context remains limited as detailed comparisons are unavailable. The company's net margin stands at 9.0%, and equity amounted to $7.08 billion against total assets of $177.45 billion, indicating a solid balance of financial risk and stability. With a P/E ratio that remains undefined due to missing current price data, analysts provided price targets between $83 and $93, suggesting room for potential appreciation. Dividends totaled $0.47 in Q4, pointing towards consistent shareholder returns amidst modest buybacks.

AI Score Breakdown

Revenue Growth — Score: 6/10

Revenue growth appears stable at $2.13 billion, yet lacks clear year-over-year growth figures. Main drivers of growth were not specified, which moderates growth expectations slightly.

Profitability — Score: 7/10

Net margin at 9.0% and EPS of $1.83 indicate healthy profitability. There is a solid operational efficiency, despite not having specific previous quarter comparison.

Cash Flow Quality — Score: 8/10

Strong free cash flow of $168 million with no capital expenditures and regular dividend payments demonstrate robust cash flow quality.

Leverage & Balance Sheet — Score: 6/10

With net debt at $1.94 billion and equity at $7.08 billion, leverage remains manageable but ensures careful monitoring due to high total liabilities.

Shareholder Returns — Score: 7/10

Dividends and a modest buyback highlight shareholder value initiatives. Price targets suggest further potential appreciation; however, 1-year price change data is unavailable for a more definitive score.

Analyst Sentiment & Valuation — Score: 7/10

Analyst price targets ranging from $83 to $93 suggest optimism relative to the valuation date; specific valuation metrics were missing, but a sense of fair pricing prevails.

⚠ AI-generated — informational only, not financial advice.