Voya Financial (STU:V0Y) Moat Score: 5/10 (As of Jul. 16, 2026)

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STU:V0Y Voya Financial Inc STU:V0Y
80 GF Score
Price €85.50
GF Value €71.83
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Voya Financial Moat Score?

Voya Financial STU:V0Y -0.58% 80 Moat Score is 5 as of Jul. 16, 2026. GuruFocus rates STU:V0Y with a GF Score™ of 80/100 and a GF Value™ of €71.83 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 578 Diversified Financial Services companies, Voya Financial ranks better than 99.48% on this metric.

Voya Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Voya Financial has Narrow Moat: Voya Financial Inc has a solid narrow moat due to its established brand and customer loyalty in financial services. It benefits from economies of scale and some regulatory barriers, but faces intense competition limiting its pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Voya Financial might have Narrow Moat - Solid narrow moat.

Voya Financial  (STU:V0Y) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Voya Financial Moat Score Related Terms

STU:V0Y vs FRHC, HTH, TMS: Moat Score Comparison

For the Financial Conglomerates subindustry, Voya Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, Voya Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Voya Financial's Moat Score falls into.


STU:V0Y
80GF Score
Voya Financial Inc STU:V0Y
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Voya Financial (STU:V0Y) has a Moat Score of 5 as of Jul. 16, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Voya Financial ranks #3 out of 578 companies in the Diversified Financial Services industry, placing it in the top 0.5%.
Is Voya Financial's Moat Score too high?
Voya Financial's current Moat Score is 5. Based on the distribution chart, Voya Financial ranks #3 out of 578 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Voya Financial has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Voya Financial's Moat Score compare to FRHC and HTH?
According to the Diversified Financial Services industry distribution chart, Voya Financial ranks #3 out of 578 companies for Moat Score. This places Voya Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Diversified Financial Services company?
A good Moat Score depends on the Diversified Financial Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Voya Financial's current Moat Score is 5. 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?
Based on GuruFocus' analysis, Voya Financial (STU:V0Y) is currently considered Modestly Overvalued. The stock's GF Value™ is €71.83, compared to a current price of €85.50 — trading 19% above its estimated fair value. The current Moat Score is 5. Voya Financial's overall GF Score™ is 80/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Voya Financial (STU:V0Y), the current Moat Score is 5 as of Jul. 16, 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 €85.50 is trading 19% above its estimated GF Value™ of €71.83. GuruFocus considers Voya Financial to be Modestly Overvalued.

Key valuation signals for STU:V0Y:

  • Moat Score: 5
  • GF Value™: €71.83 vs. price of €85.50 (19% above fair value)
  • GF Score™: 80/100 with 8 warning signs

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 Business Description

Other Exchanges VOYApB.PFD:USAVOYA:USA
Address 200 Park Avenue, New York, NY, USA, 10166
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.
80GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€85.50
Price
€71.83
GF Value