Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.02, read 2026-10-28
Ethical does not pass the values gate
Price95.81 USD
Fair value127.00
Ethical score30.0/100
Our investment reviews on this name
2026-10-26Read Accumulation93.42+2.6% to today ✓Markdown gives way to Accumulation
2026-10-02Read Markdown95.09+0.8% to today Accumulation gives way to Markdown after a 7% slide in 2 weeks
2026-09-16Read Accumulation102.67-6.7% to today Markup gives way to Accumulation
2026-08-16Read Markup101.50-5.6% to today Markdown gives way to Markup after an 11% rise in 6 weeks
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Voya Financial, Inc. holds its Accumulation at $95.81. Consolidating, no directional conviction, held for 51 days.
As held on the ledger · 2026-10-23
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 51 days
Price at the screen
$95.81
Valuation
15.73 trailing · 8.26 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.89
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: financial services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: financial services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Voya Financial, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when VOYA's ethical verdict changes
Today VOYA does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 32.6% margin of safety to the base estimate.
Third-party analyst targets: 12 covering, consensus Buy. The average target sits +13% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Workplace benefits reach millions yet trigger our screen
Every month millions of Americans move money into retirement accounts and group insurance plans run by firms like Voya. The business looks steady on paper with an 8.8 times forward earnings multiple, 3 percent revenue growth and 12 percent return on equity. Yet none of that matters once the ethical screen is applied.
We pass for the single reason the screen exists. Financial services sit on the prohibited list and the company fails outright. Opportunity rating sits at none despite the apparent margin of safety to our internal value, and analyst targets cluster near the current share price.
Low growth and a modest profit margin already limit upside while sector exposure adds regulatory and rate-cycle risk. The ethical failure simply removes any reason to look further. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
VOYA trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-29Accumulation$95.81+2.6%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 2.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Accumulation$93.42+0.0%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Accumulation$93.42+0.0%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$93.42-1.3%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89.
2026-10-14Markdown$94.67-0.4%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89.
2026-10-02Markdown · changed$95.09-7.4%Entry 6
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 7.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89.
The framework has shifted from markup to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 1.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89.
2026-08-16Markup · changed$101.50+11.0%Entry 4
The framework has shifted from markdown to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 11.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89.
2026-07-18Markdown$91.48+0.0%Entry 3
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 34%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (11 analysts) rates it buy, with a mean price target of $89.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
