<p>过去一个季度，5 位分析师对 Voya Financial（纽约证券交易所代码：VOYA）表达了多种观点，提供了从看涨到看跌的多样化意见。</p>
<p>下表提供了他们最近评级的快照，展示了过去 30 天情绪的演变，并与前几个月进行了比较。</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看涨</strong></th>
<th align="right"><strong>稍微看涨</strong></th>
<th align="right"><strong>无所谓</strong></th>
<th align="right"><strong>稍微看跌</strong></th>
<th align="right"><strong>看跌</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>总评级</strong></td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>过去 30 天</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1 个月前</strong></td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2 个月前</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3 个月前</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<p>在对 12 个月价格目标的评估中，分析师为 Voya Financial 揭示了见解，呈现出平均目标为$87.8，最高预估为$93.00，最低预估为$85.00。当前平均目标较之前的$84.80 上升了 3.54%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1772056828_0.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="价格目标图表" width="700" height="500" original-src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1772056828_0.png"/></p>
<h2>理解分析师评级：全面解析</h2>
<p>通过最近的分析师行动，分析了金融专家对 Voya Financial 的看法。以下总结展示了关键分析师、他们的最新评估以及对评级和价格目标的调整。</p>
<table>
<thead>
<tr>
<th>分析师</th>
<th>分析师公司</th>
<th>采取的行动</th>
<th>评级</th>
<th>当前价格目标</th>
<th>之前价格目标</th>
</tr>
</thead>
<tbody>
<tr>
<td>Wesley Carmichael</td>
<td>Wells Fargo</td>
<td>下调</td>
<td>持平</td>
<td>$85.00</td>
<td>$86.00</td>
</tr>
<tr>
<td>Kenneth S. Lee</td>
<td>RBC Capital</td>
<td>上调</td>
<td>超越大盘</td>
<td>$87.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Thomas Gallagher</td>
<td>Evercore ISI Group</td>
<td>下调</td>
<td>超越大盘</td>
<td>$88.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Elyse Greenspan</td>
<td>Wells Fargo</td>
<td>上调</td>
<td>持平</td>
<td>$86.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Barclays</td>
<td>上调</td>
<td>超配</td>
<td>$93.00</td>
<td>$83.00</td>
</tr>
</tbody>
</table>
<h3>关键见解：</h3>
<ul>
<li><strong>采取的行动：</strong> 针对市场动态和公司表现的变化，分析师更新他们的建议。无论是 ‘维持’、‘上调’ 还是 ‘下调’ 立场，都表明他们对 Voya Financial 近期发展的反应。这为分析师对公司当前状态的看法提供了见解。</li>
<li><strong>评级：</strong> 通过获取见解，分析师提供定性评估，从 ‘超越大盘’ 到 ‘跑输大盘’。这些评级反映了对 Voya Financial 相对于更广泛市场表现的预期。</li>
<li><strong>价格目标：</strong> 深入分析，分析师提供对 Voya Financial 股票未来价值的估计。这一分析揭示了分析师预期随时间的变化。</li>
</ul>
<p>将这些分析师评估与相关财务指标结合分析，可以提供对 Voya Financial 市场地位的全面视角。保持信息灵通，并借助我们的评级表做出数据驱动的决策。</p>
<p>随时了解 Voya Financial 分析师评级。</p>
<h2>关于 Voya Financial 的所有信息</h2>
<p>Voya Financial Inc 是一家金融服务公司，通过其子公司为美国的个人和机构客户提供各种投资、保险和退休解决方案。其产品和服务包括税收储蓄计划、个人退休账户、团体人寿保险计划和员工福利产品等。公司根据客户群体的需求量身定制每一款产品。它通过三个主要业务线运营：退休、投资管理和员工福利。大部分收入来自退休部门。</p>
<h3>Voya Financial 的经济影响：分析</h3>
<p><strong>市值分析：</strong> 公司的市值低于行业平均水平，表明其相对于同行较小。这可能由于多种因素，包括被认为的增长潜力或运营规模。</p>
<p><strong>收入下降：</strong> 在过去的 3 个月中，Voya Financial 面临挑战，导致截至 2025 年 12 月 31 日收入增长约下降 <strong>-0.48%</strong>。这表明公司顶线收益的减少。与同行相比，该公司的增长率高于金融行业的平均水平。</p>
<p><strong>净利润率：</strong> Voya Financial 的净利润率令人印象深刻，超过行业平均水平。净利润率为 <strong>6.59%</strong>，公司展现出强大的盈利能力和有效的成本管理。</p>
<p><strong>股本回报率（ROE）：</strong> Voya Financial 的 ROE 低于行业平均水平，表明在最大化股本回报方面面临挑战。ROE 为 <strong>2.74%</strong>，公司可能在实现最佳财务表现方面面临困难。</p>
<p><strong>资产回报率（ROA）：</strong> Voya Financial 的 ROA 低于行业平均水平，表明在有效利用资产方面可能面临挑战。ROA 为 <strong>0.08%</strong>，公司可能在实现最佳财务回报方面面临困难。</p>
<p><strong>债务管理：</strong> Voya Financial 的债务与股本比率为 <strong>0.42</strong>，低于平均水平，表明其采取了谨慎的财务策略，显示出对债务管理的平衡方法。</p>
<h2>分析师评级是如何确定的？</h2>
<p>分析师在银行和金融系统工作，通常专注于股票或特定行业的报告。分析师可能会参加公司电话会议和会议，研究公司财务报表，并与内部人士沟通，以发布股票的 “分析师评级”。分析师通常每季度对每只股票进行一次评级。</p>
<p>除了他们的评估外，一些分析师还通过提供关键指标的预测，如收益、收入和增长预估，来扩展他们的见解。这些补充信息为交易者提供了进一步的指导。必须认识到，尽管他们是专家，分析师也是人，只能根据他们的信念提供预测。</p>
<p>本文由 Benzinga 的自动内容引擎生成，并经过编辑审核。</p>

VOYA

<p>5 位分析师对 Voya Financial (NYSE:VOYA) 表达了不同的看法，从看涨到看跌不等。12 个月的平均目标价为 87.8 美元，最高为 93.00 美元，最低为 85.00 美元，较之前的目标价上涨了 3.54%。分析师根据市场动态调整了他们的评级，有些提高了目标价，而另一些则降低了目标价。Voya Financial 主要专注于退休服务，尽管面临轻微的收入下降，但仍保持 6.59% 的强劲净利润率。然而，其股本回报率和资产回报率低于行业平均水平，显示出财务表现可能面临挑战</p>

<p>5 analysts have expressed a variety of opinions on Voya Financial (NYSE: VOYA) over the past quarter, offering a diverse set of opinions from bullish to bearish.</p>
<div class="lb-trans"><p>过去一个季度，5 位分析师对 Voya Financial（纽约证券交易所代码：VOYA）表达了多种观点，提供了从看涨到看跌的多样化意见。</p>
</div><p>The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.</p>
<div class="lb-trans"><p>下表提供了他们最近评级的快照，展示了过去 30 天情绪的演变，并与前几个月进行了比较。</p>
</div><table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看涨</strong></th>
<th align="right"><strong>稍微看涨</strong></th>
<th align="right"><strong>无所谓</strong></th>
<th align="right"><strong>稍微看跌</strong></th>
<th align="right"><strong>看跌</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>总评级</strong></td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>过去 30 天</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1 个月前</strong></td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>2 个月前</strong></td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>3 个月前</strong></td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
</div><p>In the assessment of 12-month price targets, analysts unveil insights for Voya Financial, presenting an average target of $87.8, a high estimate of $93.00, and a low estimate of $85.00. Witnessing a positive shift, the current average has risen by 3.54% from the previous average price target of $84.80.</p>
<div class="lb-trans"><p>在对 12 个月价格目标的评估中，分析师为 Voya Financial 揭示了见解，呈现出平均目标为$87.8，最高预估为$93.00，最低预估为$85.00。当前平均目标较之前的$84.80 上升了 3.54%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1772056828_0.png" alt="price target chart" original-src="https://www.benzinga.com/files/images/story/2026/1772056828_0.png"/></p>
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
<div class="lb-trans"><h2>理解分析师评级：全面解析</h2>
</div><p>The perception of Voya Financial by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<div class="lb-trans"><p>通过最近的分析师行动，分析了金融专家对 Voya Financial 的看法。以下总结展示了关键分析师、他们的最新评估以及对评级和价格目标的调整。</p>
</div><table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Wesley Carmichael</td>
<td>Wells Fargo</td>
<td>Lowers</td>
<td>Equal-Weight</td>
<td>$85.00</td>
<td>$86.00</td>
</tr>
<tr>
<td>Kenneth S. Lee</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$87.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Thomas Gallagher</td>
<td>Evercore ISI Group</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$88.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Elyse Greenspan</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$86.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$93.00</td>
<td>$83.00</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th>分析师</th>
<th>分析师公司</th>
<th>采取的行动</th>
<th>评级</th>
<th>当前价格目标</th>
<th>之前价格目标</th>
</tr>
</thead>
<tbody>
<tr>
<td>Wesley Carmichael</td>
<td>Wells Fargo</td>
<td>下调</td>
<td>持平</td>
<td>$85.00</td>
<td>$86.00</td>
</tr>
<tr>
<td>Kenneth S. Lee</td>
<td>RBC Capital</td>
<td>上调</td>
<td>超越大盘</td>
<td>$87.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Thomas Gallagher</td>
<td>Evercore ISI Group</td>
<td>下调</td>
<td>超越大盘</td>
<td>$88.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Elyse Greenspan</td>
<td>Wells Fargo</td>
<td>上调</td>
<td>持平</td>
<td>$86.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Barclays</td>
<td>上调</td>
<td>超配</td>
<td>$93.00</td>
<td>$83.00</td>
</tr>
</tbody>
</table>
</div><h3>Key Insights:</h3>
<div class="lb-trans"><h3>关键见解：</h3>
</div><ul>
<li><strong>Action Taken:</strong> Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Voya Financial. This offers insight into analysts' perspectives on the current state of the company.</li>
<li><strong>Rating:</strong> Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Voya Financial compared to the broader market.</li>
<li><strong>Price Targets:</strong> Delving into movements, analysts provide estimates for the future value of Voya Financial's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>采取的行动：</strong> 针对市场动态和公司表现的变化，分析师更新他们的建议。无论是 ‘维持’、‘上调’ 还是 ‘下调’ 立场，都表明他们对 Voya Financial 近期发展的反应。这为分析师对公司当前状态的看法提供了见解。</li>
<li><strong>评级：</strong> 通过获取见解，分析师提供定性评估，从 ‘超越大盘’ 到 ‘跑输大盘’。这些评级反映了对 Voya Financial 相对于更广泛市场表现的预期。</li>
<li><strong>价格目标：</strong> 深入分析，分析师提供对 Voya Financial 股票未来价值的估计。这一分析揭示了分析师预期随时间的变化。</li>
</ul>
</div><p>Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Voya Financial's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.</p>
<div class="lb-trans"><p>将这些分析师评估与相关财务指标结合分析，可以提供对 Voya Financial 市场地位的全面视角。保持信息灵通，并借助我们的评级表做出数据驱动的决策。</p>
</div><p>Stay up to date on Voya Financial analyst ratings.</p>
<div class="lb-trans"><p>随时了解 Voya Financial 分析师评级。</p>
</div><h2>All You Need to Know About Voya Financial</h2>
<div class="lb-trans"><h2>关于 Voya Financial 的所有信息</h2>
</div><p>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.</p>
<div class="lb-trans"><p>Voya Financial Inc 是一家金融服务公司，通过其子公司为美国的个人和机构客户提供各种投资、保险和退休解决方案。其产品和服务包括税收储蓄计划、个人退休账户、团体人寿保险计划和员工福利产品等。公司根据客户群体的需求量身定制每一款产品。它通过三个主要业务线运营：退休、投资管理和员工福利。大部分收入来自退休部门。</p>
</div><h3>Voya Financial's Economic Impact: An Analysis</h3>
<div class="lb-trans"><h3>Voya Financial 的经济影响：分析</h3>
</div><p><strong>Market Capitalization Analysis:</strong> The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.</p>
<div class="lb-trans"><p><strong>市值分析：</strong> 公司的市值低于行业平均水平，表明其相对于同行较小。这可能由于多种因素，包括被认为的增长潜力或运营规模。</p>
</div><p><strong>Decline in Revenue:</strong> Over the 3M period, Voya Financial faced challenges, resulting in a decline of approximately <strong>-0.48%</strong> in revenue growth as of 31 December, 2025. This signifies a reduction in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.</p>
<div class="lb-trans"><p><strong>收入下降：</strong> 在过去的 3 个月中，Voya Financial 面临挑战，导致截至 2025 年 12 月 31 日收入增长约下降 <strong>-0.48%</strong>。这表明公司顶线收益的减少。与同行相比，该公司的增长率高于金融行业的平均水平。</p>
</div><p><strong>Net Margin:</strong> Voya Financial's net margin is impressive, surpassing industry averages. With a net margin of <strong>6.59%,</strong> the company demonstrates strong profitability and effective cost management.</p>
<div class="lb-trans"><p><strong>净利润率：</strong> Voya Financial 的净利润率令人印象深刻，超过行业平均水平。净利润率为 <strong>6.59%</strong>，公司展现出强大的盈利能力和有效的成本管理。</p>
</div><p><strong>Return on Equity (ROE):</strong> Voya Financial's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of <strong>2.74%,</strong> the company may face hurdles in achieving optimal financial performance.</p>
<div class="lb-trans"><p><strong>股本回报率（ROE）：</strong> Voya Financial 的 ROE 低于行业平均水平，表明在最大化股本回报方面面临挑战。ROE 为 <strong>2.74%</strong>，公司可能在实现最佳财务表现方面面临困难。</p>
</div><p><strong>Return on Assets (ROA):</strong> Voya Financial's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of <strong>0.08%,</strong> the company may face hurdles in achieving optimal financial returns.</p>
<div class="lb-trans"><p><strong>资产回报率（ROA）：</strong> Voya Financial 的 ROA 低于行业平均水平，表明在有效利用资产方面可能面临挑战。ROA 为 <strong>0.08%</strong>，公司可能在实现最佳财务回报方面面临困难。</p>
</div><p><strong>Debt Management:</strong> With a below-average debt-to-equity ratio of <strong>0.42</strong>, Voya Financial adopts a prudent financial strategy, indicating a balanced approach to debt management.</p>
<div class="lb-trans"><p><strong>债务管理：</strong> Voya Financial 的债务与股本比率为 <strong>0.42</strong>，低于平均水平，表明其采取了谨慎的财务策略，显示出对债务管理的平衡方法。</p>
</div><h2>How Are Analyst Ratings Determined?</h2>
<div class="lb-trans"><h2>分析师评级是如何确定的？</h2>
</div><p>Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish &#34;analyst ratings&#34; for stocks. Analysts typically rate each stock once per quarter.</p>
<div class="lb-trans"><p>分析师在银行和金融系统工作，通常专注于股票或特定行业的报告。分析师可能会参加公司电话会议和会议，研究公司财务报表，并与内部人士沟通，以发布股票的 “分析师评级”。分析师通常每季度对每只股票进行一次评级。</p>
</div><p>In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.</p>
<div class="lb-trans"><p>除了他们的评估外，一些分析师还通过提供关键指标的预测，如收益、收入和增长预估，来扩展他们的见解。这些补充信息为交易者提供了进一步的指导。必须认识到，尽管他们是专家，分析师也是人，只能根据他们的信念提供预测。</p>
</div><p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>
<div class="lb-trans"><p>本文由 Benzinga 的自动内容引擎生成，并经过编辑审核。</p>
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解析 Voya Financial：五位分析师分享他们的看法