VOYA (Voya Financial Inc) vs S&P 500 Comparison

VOYA

S&P 500

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

VOYA

S&P 500

Difference

1Y 3Y 5Y 10Y 15Y 20Y

VOYA

S&P 500

Add Stock

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

S&P 500

VOYA

APO

BAJAJFINSV

8591

EQH

Add Stock

1Y 3Y 5Y 10Y 15Y 20Y

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

Voya Financial Inc
Glance View

Economic Moat

None

Market Cap

6.8B USD

Industry

Financial Services

Voya Financial Inc. stands as a notable player in the financial services sector, with its origins tracing back to the spin-off of ING U.S., Inc. in 2013. Based in New York City, this firm has navigated the complex landscape of financial services by focusing primarily on retirement, investment, and employee benefits. Voya has deftly carved its niche in helping individuals and businesses improve their financial well-being through a plethora of plans and solutions designed to meet the unique needs of its clients. By focusing on retirement readiness and planning, the company capitalizes on the growing demand for secure financial futures amid an aging population. This strategic orientation is not only crucial for long-term growth but also positions Voya as a critical ally for those looking to safeguard their financial tomorrow. At the heart of Voya’s operations is a robust revenue model rooted in its ability to manage assets and provide integrated solutions. Its business is compartmentalized into three main sectors: Retirement, Investment Management, and Employee Benefits. The Retirement division, being Voya's largest contributor, generates income through fees associated with retirement products and investment management services. Meanwhile, the Investment Management arm acts as a pivotal engine in asset management, focusing on creating value through mutual funds, institutional advisory services, and retirement plan strategies. Lastly, the Employee Benefits segment furthers the company's revenue streams by offering stop-loss insurance, group term life insurance, and voluntary benefits, diversifying income while supporting workplace security. Through these avenues, Voya Financial not only supports its stakeholders but also sustains its role as a trustworthy institution steering towards a financially secure future for its clientele.

View VOYA Analysis

VOYA Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

	Franklin Covey Co NYSE:FC	35.65 USD -1.36%
	Mohawk Industries Inc NYSE:MHK	117.065 USD -0.6%
	Ardmore Shipping Corp NYSE:ASC	12.63 USD 4.38%
	ASGN Inc NYSE:ASGN	86.135 USD 1.01%
	Skyworks Solutions Inc NASDAQ:SWKS	93.16 USD 2.49%
	Weatherford International PLC NASDAQ:WFRD	75.32 USD 2.46%

	Johnson & Johnson NYSE:JNJ	146.55 USD 2.01%
	Bank of America Corp NYSE:BAC	46.375 USD 2.15%
	Mastercard Inc NYSE:MA	515.7 USD 0.74%
	Salesforce Inc NYSE:CRM	327.72 USD -0.85%
	Abbvie Inc NYSE:ABBV	180.57 USD 0.26%
	Home Depot Inc NYSE:HD	387.915 USD -0.37%

	Arista Networks Inc NYSE:ANET	116.47 USD -2.11%
	Visa Inc NYSE:V	314.8735 USD 0.59%
	Texas Pacific Land Corp NYSE:TPL	1 240.56 USD 1.14%
	KLA Corp NASDAQ:KLAC	701.57 USD 1.63%
	Manhattan Associates Inc NASDAQ:MANH	269 USD -0.87%
	Pinduoduo Inc NASDAQ:PDD	99.275 USD 0.26%

	Salesforce Inc NYSE:CRM	327.72 USD -0.85%
	ServiceNow Inc NYSE:NOW	1 062 USD -1.4%
	EOG Resources Inc NYSE:EOG	127.9 USD 1.19%
	Copart Inc NASDAQ:CPRT	56.69 USD 0.19%
	Applied Materials Inc NASDAQ:AMAT	179.65 USD 1.22%
	Synopsys Inc NASDAQ:SNPS	495.37 USD -1.14%

	Johnson & Johnson NYSE:JNJ	146.55 USD 2.01%
	Berkshire Hathaway Inc NYSE:BRK.A	683 000 USD 0.95%
	Bank of America Corp NYSE:BAC	46.375 USD 2.15%
	Mastercard Inc NYSE:MA	515.7 USD 0.74%
	UnitedHealth Group Inc NYSE:UNH	514.94 USD 0.25%
	Exxon Mobil Corp NYSE:XOM	109.665 USD 1.79%

VOYA

vs

S&P 500

Stocks Performance
VOYA vs S&P 500

Performance Gap
VOYA vs S&P 500

Performance By Year
VOYA vs S&P 500

Competitors Performance
Voya Financial Inc vs Peers

Voya Financial Inc
Glance View

Company

Help

Tools

Stocks

ZA	F	FirstRand Ltd JSE:FSR	Add
US		Apollo Global Management Inc NYSE:APO	Add
IN		Housing Development Finance Corporation Ltd NSE:HDFC	Add
IN		Bajaj Finserv Ltd NSE:BAJAJFINSV	Add
JP		Orix Corp TSE:8591	Add
US		Equitable Holdings Inc NYSE:EQH	Add
TW		Yuanta Financial Holding Co Ltd TWSE:2885	Add
KR		Meritz Financial Group Inc KRX:138040	Add
IT		Banca Mediolanum SpA MIL:BMED	Add
US		Jackson Financial Inc NYSE:JXN	Add

ZA	F	FirstRand Ltd JSE:FSR	Select
US		Apollo Global Management Inc NYSE:APO	Select
IN		Housing Development Finance Corporation Ltd NSE:HDFC	Select
IN		Bajaj Finserv Ltd NSE:BAJAJFINSV	Select
JP		Orix Corp TSE:8591	Select
US		Equitable Holdings Inc NYSE:EQH	Select
TW		Yuanta Financial Holding Co Ltd TWSE:2885	Select
KR		Meritz Financial Group Inc KRX:138040	Select
IT		Banca Mediolanum SpA MIL:BMED	Select
US		Jackson Financial Inc NYSE:JXN	Select

CA	A	Advance Lithium Corp XTSX:AALI	Add
US	G	GE Vernova LLC NYSE:GEV	Add
NL	N	Nepi Rockcastle NV JSE:NRP	Add
US		Schlumberger NV NYSE:SLB	Add
US	B	Baker Hughes Co NASDAQ:BKR	Add
ID		Amman Mineral Internasional Tbk PT IDX:AMMN	Add
US	R	Reddit Inc NYSE:RDDT	Add
CH	G	Galderma Group AG SIX:GALD	Add
US		Halliburton Co NYSE:HAL	Add
IN		Jio Financial Services Ltd NSE:JIOFIN	Add

VOYA vs S&P 500

Stocks Performance VOYA vs S&P 500

Performance Gap VOYA vs S&P 500

Performance By Year VOYA vs S&P 500

Competitors Performance Voya Financial Inc vs Peers

Voya Financial Inc Glance View

Company

Help

Tools

Stocks

VOYA

vs

S&P 500

Stocks Performance
VOYA vs S&P 500

Performance Gap
VOYA vs S&P 500

Performance By Year
VOYA vs S&P 500

Competitors Performance
Voya Financial Inc vs Peers

Voya Financial Inc
Glance View