COMP <GO>
VOYA vs BAC // NET PROFIT MARGIN
Voya Financial Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: VOYA 9
— BAC 3
▲ NET PROFIT MARGIN LEADER: VOYA
LAST: $98.05 (-0.35%) • MKT CAP: $8.91B
net-margins
29.00%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
net-margins
27.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (VOYA VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | VOYA | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 2.50% | +82.50 | VOYA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 4.0x | 30.2x | -26.20 | VOYA | /valuation <GO> |
| Free Cash Flow Yield | 13.31% | 2.10% | +11.21 | VOYA | /fcf-yield <GO> |
| Operating Margin | 46.00% | 32.90% | +13.10 | VOYA | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 29.00% | 27.00% | +2.00 | VOYA | /net-margins <GO> |
| Revenue Growth (YoY) | 4.90% | 6.80% | -1.90 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.00% | 0.00% | +2.00 | VOYA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | VOYA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.3 | 27.7 | +26.59 | VOYA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.90 | +0.01 | VOYA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.6x | 10.9x | +1.70 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.91B | $357.61B | -$348.70B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | VOYA REV | BAC REV | VOYA GROSS % | BAC GROSS % | VOYA FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.25B | $113.10B | 44.0% | 44.0% | $1.19B | $7.52B |
| FY 2024 | $2.15B | $105.86B | 44.0% | 44.0% | $1.25B | -$13.57B |
| FY 2023 | $1.94B | $102.77B | 44.0% | 44.0% | $1.55B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
VOYA // BETA 0.91
BAC // BETA 0.90