<p>過去一個季度，5 位分析師對 Voya Financial（紐約證券交易所代碼：VOYA）表達了多種觀點，提供了從看漲到看跌的多樣化意見。</p>
<p>下表提供了他們最近評級的快照，展示了過去 30 天情緒的演變，並與前幾個月進行了比較。</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>看漲</strong></th>
<th align="right"><strong>稍微看漲</strong></th>
<th align="right"><strong>無所謂</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>總評級</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>過去 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 個月前</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 個月前</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 個月前</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>在對 12 個月價格目標的評估中，分析師為 Voya Financial 揭示了見解，呈現出平均目標為$87.8，最高預估為$93.00，最低預估為$85.00。當前平均目標較之前的$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="價格目標圖表" width="700" height="500" original-src="https://imageproxy.pbkrs.com/https://www.benzinga.com/files/images/story/2026/1772056828_0.png"/></p>
<h2>理解分析師評級：全面解析</h2>
<p>通過最近的分析師行動，分析了金融專家對 Voya Financial 的看法。以下總結展示了關鍵分析師、他們的最新評估以及對評級和價格目標的調整。</p>
<table>
<thead>
<tr>
<th>分析師</th>
<th>分析師公司</th>
<th>採取的行動</th>
<th>評級</th>
<th>當前價格目標</th>
<th>之前價格目標</th>
</tr>
</thead>
<tbody>
<tr>
<td>Wesley Carmichael</td>
<td>Wells Fargo</td>
<td>下調</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>上調</td>
<td>超越大盤</td>
<td>$87.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Thomas Gallagher</td>
<td>Evercore ISI Group</td>
<td>下調</td>
<td>超越大盤</td>
<td>$88.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Elyse Greenspan</td>
<td>Wells Fargo</td>
<td>上調</td>
<td>持平</td>
<td>$86.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Barclays</td>
<td>上調</td>
<td>超配</td>
<td>$93.00</td>
<td>$83.00</td>
</tr>
</tbody>
</table>
<h3>關鍵見解：</h3>
<ul>
<li><strong>採取的行動：</strong> 針對市場動態和公司表現的變化，分析師更新他們的建議。無論是 ‘維持’、‘上調’ 還是 ‘下調’ 立場，都表明他們對 Voya Financial 近期發展的反應。這為分析師對公司當前狀態的看法提供了見解。</li>
<li><strong>評級：</strong> 通過獲取見解，分析師提供定性評估，從 ‘超越大盤’ 到 ‘跑輸大盤’。這些評級反映了對 Voya Financial 相對於更廣泛市場表現的預期。</li>
<li><strong>價格目標：</strong> 深入分析，分析師提供對 Voya Financial 股票未來價值的估計。這一分析揭示了分析師預期隨時間的變化。</li>
</ul>
<p>將這些分析師評估與相關財務指標結合分析，可以提供對 Voya Financial 市場地位的全面視角。保持信息靈通，並藉助我們的評級表做出數據驅動的決策。</p>
<p>隨時瞭解 Voya Financial 分析師評級。</p>
<h2>關於 Voya Financial 的所有信息</h2>
<p>Voya Financial Inc 是一家金融服務公司，通過其子公司為美國的個人和機構客户提供各種投資、保險和退休解決方案。其產品和服務包括税收儲蓄計劃、個人退休賬户、團體人壽保險計劃和員工福利產品等。公司根據客户羣體的需求量身定製每一款產品。它通過三個主要業務線運營：退休、投資管理和員工福利。大部分收入來自退休部門。</p>
<h3>Voya Financial 的經濟影響：分析</h3>
<p><strong>市值分析：</strong> 公司的市值低於行業平均水平，表明其相對於同行較小。這可能由於多種因素，包括被認為的增長潛力或運營規模。</p>
<p><strong>收入下降：</strong> 在過去的 3 個月中，Voya Financial 面臨挑戰，導致截至 2025 年 12 月 31 日收入增長約下降 <strong>-0.48%</strong>。這表明公司頂線收益的減少。與同行相比，該公司的增長率高於金融行業的平均水平。</p>
<p><strong>淨利潤率：</strong> Voya Financial 的淨利潤率令人印象深刻，超過行業平均水平。淨利潤率為 <strong>6.59%</strong>，公司展現出強大的盈利能力和有效的成本管理。</p>
<p><strong>股本回報率（ROE）：</strong> Voya Financial 的 ROE 低於行業平均水平，表明在最大化股本回報方面面臨挑戰。ROE 為 <strong>2.74%</strong>，公司可能在實現最佳財務表現方面面臨困難。</p>
<p><strong>資產回報率（ROA）：</strong> Voya Financial 的 ROA 低於行業平均水平，表明在有效利用資產方面可能面臨挑戰。ROA 為 <strong>0.08%</strong>，公司可能在實現最佳財務回報方面面臨困難。</p>
<p><strong>債務管理：</strong> Voya Financial 的債務與股本比率為 <strong>0.42</strong>，低於平均水平，表明其採取了謹慎的財務策略，顯示出對債務管理的平衡方法。</p>
<h2>分析師評級是如何確定的？</h2>
<p>分析師在銀行和金融系統工作，通常專注於股票或特定行業的報告。分析師可能會參加公司電話會議和會議，研究公司財務報表，並與內部人士溝通，以發佈股票的 “分析師評級”。分析師通常每季度對每隻股票進行一次評級。</p>
<p>除了他們的評估外，一些分析師還通過提供關鍵指標的預測，如收益、收入和增長預估，來擴展他們的見解。這些補充信息為交易者提供了進一步的指導。必須認識到，儘管他們是專家，分析師也是人，只能根據他們的信念提供預測。</p>
<p>本文由 Benzinga 的自動內容引擎生成，並經過編輯審核。</p>

VOYA

<p>5 位分析師對 Voya Financial (NYSE:VOYA) 表達了不同的看法，從看漲到看跌不等。12 個月的平均目標價為 87.8 美元，最高為 93.00 美元，最低為 85.00 美元，較之前的目標價上漲了 3.54%。分析師根據市場動態調整了他們的評級，有些提高了目標價，而另一些則降低了目標價。Voya Financial 主要專注於退休服務，儘管面臨輕微的收入下降，但仍保持 6.59% 的強勁淨利潤率。然而，其股本回報率和資產回報率低於行業平均水平，顯示出財務表現可能面臨挑戰</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>過去一個季度，5 位分析師對 Voya Financial（紐約證券交易所代碼：VOYA）表達了多種觀點，提供了從看漲到看跌的多樣化意見。</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>下表提供了他們最近評級的快照，展示了過去 30 天情緒的演變，並與前幾個月進行了比較。</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>看漲</strong></th>
<th align="right"><strong>稍微看漲</strong></th>
<th align="right"><strong>無所謂</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>總評級</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>過去 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 個月前</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 個月前</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 個月前</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>在對 12 個月價格目標的評估中，分析師為 Voya Financial 揭示了見解，呈現出平均目標為$87.8，最高預估為$93.00，最低預估為$85.00。當前平均目標較之前的$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>理解分析師評級：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>通過最近的分析師行動，分析了金融專家對 Voya Financial 的看法。以下總結展示了關鍵分析師、他們的最新評估以及對評級和價格目標的調整。</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>分析師</th>
<th>分析師公司</th>
<th>採取的行動</th>
<th>評級</th>
<th>當前價格目標</th>
<th>之前價格目標</th>
</tr>
</thead>
<tbody>
<tr>
<td>Wesley Carmichael</td>
<td>Wells Fargo</td>
<td>下調</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>上調</td>
<td>超越大盤</td>
<td>$87.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Thomas Gallagher</td>
<td>Evercore ISI Group</td>
<td>下調</td>
<td>超越大盤</td>
<td>$88.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Elyse Greenspan</td>
<td>Wells Fargo</td>
<td>上調</td>
<td>持平</td>
<td>$86.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Alex Scott</td>
<td>Barclays</td>
<td>上調</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>關鍵見解：</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>採取的行動：</strong> 針對市場動態和公司表現的變化，分析師更新他們的建議。無論是 ‘維持’、‘上調’ 還是 ‘下調’ 立場，都表明他們對 Voya Financial 近期發展的反應。這為分析師對公司當前狀態的看法提供了見解。</li>
<li><strong>評級：</strong> 通過獲取見解，分析師提供定性評估，從 ‘超越大盤’ 到 ‘跑輸大盤’。這些評級反映了對 Voya Financial 相對於更廣泛市場表現的預期。</li>
<li><strong>價格目標：</strong> 深入分析，分析師提供對 Voya Financial 股票未來價值的估計。這一分析揭示了分析師預期隨時間的變化。</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>將這些分析師評估與相關財務指標結合分析，可以提供對 Voya Financial 市場地位的全面視角。保持信息靈通，並藉助我們的評級表做出數據驅動的決策。</p>
</div><p>Stay up to date on Voya Financial analyst ratings.</p>
<div class="lb-trans"><p>隨時瞭解 Voya Financial 分析師評級。</p>
</div><h2>All You Need to Know About Voya Financial</h2>
<div class="lb-trans"><h2>關於 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 是一家金融服務公司，通過其子公司為美國的個人和機構客户提供各種投資、保險和退休解決方案。其產品和服務包括税收儲蓄計劃、個人退休賬户、團體人壽保險計劃和員工福利產品等。公司根據客户羣體的需求量身定製每一款產品。它通過三個主要業務線運營：退休、投資管理和員工福利。大部分收入來自退休部門。</p>
</div><h3>Voya Financial's Economic Impact: An Analysis</h3>
<div class="lb-trans"><h3>Voya Financial 的經濟影響：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> 公司的市值低於行業平均水平，表明其相對於同行較小。這可能由於多種因素，包括被認為的增長潛力或運營規模。</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> 在過去的 3 個月中，Voya Financial 面臨挑戰，導致截至 2025 年 12 月 31 日收入增長約下降 <strong>-0.48%</strong>。這表明公司頂線收益的減少。與同行相比，該公司的增長率高於金融行業的平均水平。</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>淨利潤率：</strong> Voya Financial 的淨利潤率令人印象深刻，超過行業平均水平。淨利潤率為 <strong>6.59%</strong>，公司展現出強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>股本回報率（ROE）：</strong> Voya Financial 的 ROE 低於行業平均水平，表明在最大化股本回報方面面臨挑戰。ROE 為 <strong>2.74%</strong>，公司可能在實現最佳財務表現方面面臨困難。</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>資產回報率（ROA）：</strong> Voya Financial 的 ROA 低於行業平均水平，表明在有效利用資產方面可能面臨挑戰。ROA 為 <strong>0.08%</strong>，公司可能在實現最佳財務回報方面面臨困難。</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>債務管理：</strong> Voya Financial 的債務與股本比率為 <strong>0.42</strong>，低於平均水平，表明其採取了謹慎的財務策略，顯示出對債務管理的平衡方法。</p>
</div><h2>How Are Analyst Ratings Determined?</h2>
<div class="lb-trans"><h2>分析師評級是如何確定的？</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>分析師在銀行和金融系統工作，通常專注於股票或特定行業的報告。分析師可能會參加公司電話會議和會議，研究公司財務報表，並與內部人士溝通，以發佈股票的 “分析師評級”。分析師通常每季度對每隻股票進行一次評級。</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>除了他們的評估外，一些分析師還通過提供關鍵指標的預測，如收益、收入和增長預估，來擴展他們的見解。這些補充信息為交易者提供了進一步的指導。必須認識到，儘管他們是專家，分析師也是人，只能根據他們的信念提供預測。</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 的自動內容引擎生成，並經過編輯審核。</p>
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解析 Voya Financial：五位分析師分享他們的看法