Voya FinancialSTU:V0Y 77 ROA % is 0.42% as of Mar. 2026, which is 20% above its 10-year median of 0.35. GuruFocus rates STU:V0Y with a GF Score™ of 77/100 and a GF Value™ of €70.74 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 567 Diversified Financial Services companies, Voya Financial ranks worse than 55.56% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Voya Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was €630 Mil.
Voya Financial's average Total Assets over the quarter that ended in Mar. 2026 was €151,383 Mil. Therefore, Voya Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 0.42%.
The historical rank and industry rank for Voya Financial's ROA % or its related term are showing as below:
STU:V0Y'
s ROA % Range Over the Past 10 Years
Min: -1.37 Med: 0.35 Max: 1.35
Current: 0.39
During the past 13 years, Voya Financial's highest ROA % was 1.35%. The lowest was -1.37%. And the median was 0.35%.
STU:V0Y's ROA % is ranked worse than 55.56% of 567
companies
in the Diversified Financial Services industry
Industry Median: 0.82
vs STU:V0Y: 0.39
Voya Financial (STU:V0Y) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Voya Financial ROA % Related Terms
Voya Financial ROA % Historical Data
* Premium members only.
The historical data trend for Voya Financial's ROA % 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.
For the Financial Conglomerates subindustry, Voya Financial's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Voya Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Voya Financial's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Voya Financial (STU:V0Y) has a ROA % of 0.42% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Voya Financial and its competitors. This is 20% above median its historical median of 0.35. According to the industry distribution chart, Voya Financial ranks #315 out of 567 companies in the Diversified Financial Services industry, placing it in the top 55.6%.
Is Voya Financial's ROA % too high?
Voya Financial's current ROA % of 0.42% is 20% above median its 10-year median of 0.35. The Diversified Financial Services industry median ROA % is 0.82. Voya Financial's value of 0.42% is 48.8% below this industry median. Based on the distribution chart, Voya Financial ranks #315 out of 567 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Voya Financial has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Voya Financial's ROA % compare to FRHC and HTH?
According to the Diversified Financial Services industry distribution chart, Voya Financial ranks #315 out of 567 companies for ROA %. This places Voya Financial in the lower half of its industry. The industry median ROA % is 0.82. Voya Financial's value of 0.42% is 48.8% below this benchmark. While the company's 10-year median is 0.35 vs. the industry median of 0.82, Voya Financial has consistently been below 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 ROA % for a Diversified Financial Services company?
The median ROA % among Diversified Financial Services companies is 0.82, based on 567 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Voya Financial's current ROA % of 0.42% is 48.8% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Voya Financial and its competitors. For the Diversified Financial Services industry, the median ROA % is 0.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Voya Financial's current ROA % is 0.42%, which is 20% above median its own 10-year median of 0.35. 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 €70.74, compared to a current price of €79.00 — trading 11.7% above its estimated fair value. The current ROA % is 0.42%, which is 20% above median its 10-year median of 0.35 and 48.8% below the Diversified Financial Services industry median of 0.82. Voya Financial's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Voya Financial (STU:V0Y), the current ROA % is 0.42% as of Mar. 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 €79.00 is trading 11.7% above its estimated GF Value™ of €70.74.
GuruFocus considers Voya Financial to be Modestly Overvalued.
Key valuation signals for STU:V0Y:
ROA %: 0.42% (20% above median its 10-year median of 0.35)
GF Value™: €70.74 vs. price of €79.00 (11.7% above fair value)
Industry Position: 48.8% below the Diversified Financial Services median (#315 of 567)
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.
77GF Score
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