Value
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 8.3 |
| P/S | 9.7 |
| EV/EBITDA | 5.3 |
| Fwd P/E | 9.6 |
| PEG | 10.0 |
| Analyst target | 3.0 |
- ▸Forward P/E: 8.0x
- ▸PEG: 0.35
- ▸Attractively valued
VOYA · Why this verdict
Why Voya Financial (VOYA) is rated SELL
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictSELL
Overall score5.9/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
6.2/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 4.0 |
| ROA | 0.3 |
| Gross margin | 7.3 |
| Op margin | 5.7 |
| Net margin | 4.1 |
| Current ratio | 8.0 |
| FCF quality | 10.0 |
| Moat | 6.0 |
| Piotroski F | 10.0 |
- ▸Excellent cash conversion: 214% FCF/NI
- ▸Strong Piotroski F-Score: 9/9
Growth
4.9/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 3.3 |
| EPS growth | 6.6 |
Momentum
6.6/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.1 |
| MACD | 10.0 |
| OBV | 10.0 |
| MA position | 9.0 |
| Volume | 0.0 |
- ▸Overbought (RSI 79)
- ▸Volume accumulation (rising OBV)
- ▸Above 200-day MA
Sentiment
6.5/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 7.1 |
| Analyst rating | 7.0 |
| Price target | 5.2 |
- ▸LLM news sentiment: +0.41 (n=2)
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸No net insider activity — $0 (0.000% of mkt cap)
Peer rank
4.4/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.3 |
| quality rank | 3.8 |
| growth rank | 2.5 |
Technical
3.8/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 0.0 |
| support resistance | 1.9 |
| 52w position | 9.5 |
Risk (lower is worse)
7.2/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 10.0 |
| days to cover | 10.0 |
| volatility | 6.6 |
| put call | 10.0 |
| implied vol | 3.9 |
| max pain risk | 3.0 |
| beta | 7.5 |
| debt equity | 6.6 |
- ▸Above max pain $50
Catalyst
5.0/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 3.3 |
| earnings timing | 5.0 |
| surprise avg | 3.4 |
| dividend safety | 7.0 |
| news activity | 6.0 |
- ▸Earnings concerns: 2B/2M
- ▸Dividend: 210.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more. | News modifier -2 (HOLD_IF_HOLDING → SELL_IF_HOLDING).
Engine technical detail
verdict_path:
L4:PATH_F_HOLD|L3:NEWS_MOD=-2Passed (7)
- MOMENTUM:6.6>=5.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_BOOST:ANALYST:0.70
- EARNINGS_PROXIMITY:56d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:-1.0=NEGATIVE
Warning (0)
none
Reward-to-Risk
-1.02
Upside
-11.6%
Downside
11.4%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityMODERATE — Balanced profile
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:6.6>=5.5. Top dim: Value at 7.6; weakest: Technical at 3.8. No conviction either direction.
The strongest dimensions are Value at 7.6, Risk (lower is worse) at 7.2, and Momentum at 6.6; the weakest are Technical at 3.8, Peer rank at 4.4, and Growth at 4.9. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of -1.02 and an engine sizing output of AVOID.