Also trades as: VOYA (NYSE) · $vol 102M

$23.00

+0.05 (+0.22%)

Weekly Expected Move ±1.4%

$22 $23 $23 $23 $23

NYSE · Financial Services · Insurance - Life · Tech Score Sell · Power 38 · $7.0B mcap · 12M float · 0.212% daily turnover

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$7.5B -6.9% ▼

5Y CAGR: -0.4%

Gross Profit

$3.9B +0.2% ▲

5Y CAGR: +5.3%

Operating Income

$261M -67.3% ▼

5Y CAGR: -5.8%

Net Income

$654M -1.9% ▼

EPS (Diluted)

$6.32 +2.4% ▲

5Y CAGR: +16.9%

EBITDA

$261M -76.2% ▼

5Y CAGR: -13.5%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$4.2B	$5.9B	$7.3B	$8.1B	$7.5B
YoY Growth	-45.4%	+42.1%	+23.9%	+9.6%	-6.9%
Cost of Revenue	-$1.5B	$3.0B	$3.7B	$4.2B	$3.6B
Gross Profit	$5.7B	$3.0B	$3.7B	$3.9B	$3.9B
Gross Margin	135.9%	50.1%	50.2%	48.2%	51.8%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$2.6B	$2.5B	$3.0B	$3.1B	$0
Operating Expenses	$2.6B	$2.5B	$3.0B	$3.1B	$3.6B
Operating Income	$3.1B	$428M	$678M	$799M	$261M
Operating Margin	73.9%	7.2%	9.2%	9.9%	3.5%
Interest Expense	$224M	$183M	$298M	$299M	$117M
Income Before Tax	$3.1B	$428M	$678M	$799M	$837M
Tax Expense	-$34M	-$5M	-$51M	$57M	$104M
Net Income	$2.4B	$510M	$625M	$667M	$654M
Net Margin	56.8%	8.6%	8.5%	8.3%	8.7%
EPS (Diluted)	$16.61	$4.30	$5.41	$6.17	$6.32
EBITDA	$3.3B	$611M	$976M	$1.1B	$261M
Shares Outstanding	126M	110M	109M	101M	97M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$2.0B	$2.0B	$2.0B	$2.0B	$2.1B	$0	$1.9B	$1.9B
Cost of Revenue	$1.1B	$1.1B	$972M	$936M	$944M	$57M	$0	$0
Gross Profit	$891M	$873M	$997M	$1.0B	$1.2B	-$57M	$1.9B	$1.9B
Gross Margin	45.6%	43.4%	50.6%	52.8%	55.6%	—	100.0%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$775M	$753M	$824M	$857M	$877M	$0	$0	$0
Operating Expenses	$775M	$753M	$824M	$857M	$877M	-$226M	$1.6B	$1.9B
Operating Income	$116M	$120M	$173M	$188M	$307M	$169M	$230M	$34M
Operating Margin	5.9%	6.0%	8.8%	9.5%	14.4%	—	12.3%	1.8%
Interest Expense	$69M	$75M	$67M	$28M	$60M	$57M	$29M	$33M
Income Before Tax	$116M	$120M	$173M	$188M	$307M	$169M	$230M	$34M
Tax Expense	$18M	-$1M	$22M	$27M	$35M	$20M	$35M	$16M
Net Income	$114M	$97M	$156M	$166M	$192M	$140M	$182M	$94M
Net Margin	5.8%	4.8%	7.9%	8.4%	9.0%	—	9.7%	5.0%
EPS (Diluted)	$0.98	$0.94	$1.42	$1.66	$1.80	$1.44	$1.74	$0.93
EBITDA	$185M	$195M	$240M	$251M	$367M	$226M	$259M	$96M
Shares Outstanding	100M	99M	98M	98M	97M	97M	97M	97M

VOYA-PB NYSE