Voya Financial Inc. (VOYA) — RQD Stock Rating Cockpit

$98.39 +1.90% NYSE • Public Delayed / 60s Snapshot

Voya Financial Inc. (VOYA) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (41% profit margin, 85% return on capital) with steady institutional support. Even if the broader market gets choppy, the company’s underlying cash engine and big-money support put the odds in buyers’ favor.

ROARABLE B • BUY Cap $8.91B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERBUY • B
025507510072
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw C · Rk A-
Cash (17)Whales (10)SEC (16)Macro (17)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+6.3% Base Target
$123 Bull$105 Base$81 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:56% Call Buyers ($2.5M)
44% PutsMax Pain: $96.00
RSI-14 MOMENTUMNEUTRAL RANGE
54.330 Oversold · 70 Hot
ALTMAN-Z SHIELDDISTRESS RISK (<1.8)
0.45>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE82% OF RANGE
L: $65$98.39H: $106
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (41% profit margin and healthy balance-sheet cushion).

Factor Grade: A-RQD 17 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 22 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: A-RQD 33 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on VOYA

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (85)

85.0% ROIC with 41.0% gross margin and 13.31% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (80)

Altman-Z 0.45 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (65)

Put/Call 0.78x with 22/40 institutional & insider flow.

Bull Case: Why Buyers Like VOYA
  • ✓Strong cash generator (41% profit margin)—profits are backed by real money, not accounting tricks.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
🔴 SUNDAY NIGHT PREP • 7:00 PM ETHosted Live by Perry Belcher & Guest Trading Systems Desk

Today's Top 3 RQD Strong Buys & Whale Accumulation Setups (Live VOYA Tape Review)

  • ✓Live breakdown of today’s highest-scoring RQD Green-Light breakouts
  • ✓1 urgent Red-Light accounting trap to cut from your watchlist immediately
  • ✓Bring any ticker to live Q&A—we run it through the 5-Pillar RQD Radar on screen
RQD INSIDER CLUB UPGRADE$49/YEAR
Want Plain-English AI Custom Indicators, Daily Pro Trader Video Clips & SMS Crash Alerts?
VOYA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.63%📐 HORIZONTAL RANGE
2026-10-30O $96.88H $99.02L $95.21C $98.05VOL 804.4K
RES: $107.7SUP: $90.27SMA50: $98.52SMA200: $86.26
$108.1$97.98$87.89$77.80$67.71RES $107.7SUP $90.27$98.052026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

VOYA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
5.1%/yr Implied 5Y Growth

vs. +4.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on VOYA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for VOYA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for VOYA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

VOYA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell VOYA stock right now?

Voya Financial Inc. (VOYA) currently earns a Roarable Rating of B (Buy — BUY) with 72/100 RQD Confidence. High-quality cash engine (41% profit margin, 85% return on capital) with steady institutional support.

What is VOYA's 12-month price target and RQD AI Jury consensus?

VOYA's 12-month base price target is $104.59 (range $80.68 to $123.42), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.