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Voya FinancialSTU:V0Y -0.57%78 Debt-to-EBITDA is 7.37 as of Jun. 2026, which is 61% above its 10-year median of 4.58. GuruFocus rates STU:V0Y with a GF Score™ of 78/100 and a GF Value™ of €71.66. The stock has 8 warning signs investors should review. Among 119 Diversified Financial Services companies, Voya Financial ranks better than 70.59% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Voya Financial's Debt-to-EBITDA or its related term are showing as below:
STU:V0Y'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.05 Med: 4.58 Max: 11.07
Current: 3.05
During the past 13 years, the highest Debt-to-EBITDA Ratio of Voya Financial was 11.07. The lowest was 1.05. And the median was 4.58.
STU:V0Y's Debt-to-EBITDA is ranked better than 70.59% of 119
companies
in the Diversified Financial Services industry
Industry Median: 6.75
vs STU:V0Y: 3.05
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Voya Financial Debt-to-EBITDA Related Terms
Voya Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Voya Financial's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:V0Y vs FRHC, HTH, TMS: Debt-to-EBITDA Comparison
For the Financial Conglomerates subindustry, Voya Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Voya Financial Debt-to-EBITDA vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Voya Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Voya Financial's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Voya Financial (STU:V0Y) has a Debt-to-EBITDA of 7.37 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Voya Financial. This is 61% above median its historical median of 4.58. Over the past decade, Voya Financial's Debt-to-EBITDA has ranged from 1.05 to 11.07. According to the industry distribution chart, Voya Financial ranks #35 out of 119 companies in the Diversified Financial Services industry, placing it in the top 29.4%.
Is Voya Financial's Debt-to-EBITDA too high?
Voya Financial's current Debt-to-EBITDA of 7.37 is 61% above median its 10-year median of 4.58. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 11.07. The Diversified Financial Services industry median Debt-to-EBITDA is 6.75. Voya Financial's value of 7.37 is 9.2% above this industry median. Based on the distribution chart, Voya Financial ranks #35 out of 119 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, Voya Financial has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Voya Financial's Debt-to-EBITDA compare to FRHC and HTH?
According to the Diversified Financial Services industry distribution chart, Voya Financial ranks #35 out of 119 companies for Debt-to-EBITDA. This puts Voya Financial in the upper half of its industry. The industry median Debt-to-EBITDA is 6.75. Voya Financial's value of 7.37 is 9.2% above this benchmark. Historically, Voya Financial's own Debt-to-EBITDA has ranged from 1.05 to 11.07 over the past decade. While the company's 10-year median is 4.58 vs. the industry median of 6.75, Voya Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Diversified Financial Services company?
The median Debt-to-EBITDA among Diversified Financial Services companies is 6.75, based on 119 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Voya Financial's current Debt-to-EBITDA of 7.37 is 9.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Voya Financial. For the Diversified Financial Services industry, the median Debt-to-EBITDA is 6.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Voya Financial's current Debt-to-EBITDA is 7.37, which is 61% above median its own 10-year median of 4.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Voya Financial stock overvalued right now?
Voya Financial (STU:V0Y) has a current Debt-to-EBITDA of 7.37. The stock's GF Value™ is €71.66, compared to a current price of €87.50 — trading 22.1% above its estimated fair value. The current Debt-to-EBITDA is 7.37, which is 61% above median its 10-year median of 4.58 and 9.2% above the Diversified Financial Services industry median of 6.75. Voya Financial's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Voya Financial (STU:V0Y), the current Debt-to-EBITDA is 7.37 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Voya Financial (STU:V0Y) Overvalued in 2026?
Based on GuruFocus' analysis, Voya Financial stock appears to be overvalued.
The current stock price of €87.50 is trading 22.1% above its estimated GF Value™ of €71.66.
Key valuation signals for STU:V0Y:
Debt-to-EBITDA: 7.37 (61% above median its 10-year median of 4.58)
GF Value™: €71.66 vs. price of €87.50 (22.1% above fair value)
Industry Position: 9.2% above the Diversified Financial Services median (#35 of 119)
No single metric tells the full story. See the STU:V0Y stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Voya Financial Inc is a financial services company, which, through its subsidiaries, provides various investment, insurance, and retirement solutions to individual and institutional clients in the United States. Its products and services include tax savings plans, individual retirement accounts, group life insurance plans, and employee benefits products, among others. The company tailors each of its products to the needs of its customer base. It operates its business through three principal lines: Retirement, Investment Management and Employee Benefits.The majority revenue is from Retirement segment.
78GF Score
Get the complete analysis for STU:V0Y
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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